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2022-04-30-accounts

Rwjlsttted C4Mnpany Number 02759359 Chaiity Number 1015519 THE WORSHIPFUL COMPANY OF FURNrnIRE MAKERS. CHARrrABLE FUNDS INCORPORATING THE FURNISHING TrADES BENEVOLEKf ASSOCIATION (A (•mpany Ilmlted ty gurntee) TRusfEES' REPORT AND FINANCIAL sfATEMENTS FOR THE YEAR ENDED 30 APRIL 2022

THE WORSHIPFUL COMPANY OF FURNtruRE MAKERS. CHARITABLE FUNDS INCORPORATING THE FURNISHING TRADES BENEVOLEIU ASSOCIATION ¢Jwity Inf0M￿tI)n Trustees, Re￿rt Audbtorg Rep)rt co￿￿k18t￿￿ Babr￿ Sheet Coryjany Bakn(* io ConsolbJatbJ Cash Fkn¥ Slaterr￿t Notts to AtoyJnts 12-20

THE WORSHIPFUL COMPANY OF FURNrnIRE MAKERS CHARThABLE FUNDS INCORPORATING THE FURNISHING TRADES BENEVOLENT ASSOCIATION REFERENCE AND ADMINisfRATniE DETAILS OF COMPANY, ITS TRusfEES AND ADVISERS FOR THE YEAR ENDED 30 APRIL 2022 TrusrEES Pajl Charman Eth¥wd Talros Hu9h Garfortt￿BheS Pder Heaj cha￿ VerrK)n BeTh Burt ]wthan Hindle DavKI W¢yward (from May 2020) Tony Attard (from May 2022) Se￿r Warckn.. Tory (from May 2020) Arn￿￿Ja WariThJ Ifrcrfn May 2022} Jw)ThWarfen.' Amanda w￿n9 Ifmm May 2020) Bnan Ahwn (From May 2022) knir (from Mry 20221 CHIEF EXEciwrrvE CHARITY MVMBER 1015519 REGISTERED OFFICE Fumiture Mak&g Hal 12 Austin Friars Lonth)n EC2N 2HE AUDrroRS Hilier FkjpkW￿ LLP Raji￿ House Sl Cl¥eThS)n Ro•J W&ford WD17 IHP BANKERS Irsh Bank, 202 Ro>J, NW3 68X NatK)nd Westminsier Bank, St Pau& Churchyard, Lonth)n EC4M 8BV CAF BanL knrwJ5 Hill. West malli￿, Kent ME19 4PY INVESTMENT MANAGER R&htx IrNthnl Ltd. I Curzcffi Strrt iorthn WIJ 5FB

ThEWORSHIPFULCOMPAIIY OF FURNifu8E WAKE￿ CIIARThA8LE FUIIDS IIICORPORATINGThE AIRIIISHZNGTRIDES 8ENEVOLEIIT AssoaATION TRu5rE￿ REPOAT FOR THE YEAR ENDED 30 APAII 2022 Truees Iwho are also Direcitys oftstharty forthe rfthe C￿n￿¢S rtlhyr D>Jether the audt finandal statements of thÈ Worthipful Compwy of the FUrTh￿re Makers. Chaitatde Furwts Incorr￿￿￿) the Fumtslifyj Trades Ben￿￿nt A8SQtiaiK)n (the Chartyl forthe year e￿l#j 30 Aprl 2022. Tr TrL&e£s that Tntheg Rewxt aThJ FinaThl Stst&n￿ts ofthe arity cornpty with the curnt tr wt¢wwEmeJts ofts (hartysgory ¢x￿￿t aThl prffviyvs ofthe FRS 102 SORP ISt&aTent of RecrMiend&f pr￿). Or￿til￿￿On The Charity ts o tharW company 27 1992 and rMereY as a thartyon l De￿t￿ 1992. The company y4as esY&itsW under a M￿rand￿m orAsXoa￿, 4￿h the rtpas aThJ ofthe Charrty, and Is nder rts Artts of In the oftr ctyywny rrombty5 are wred to cvntrbfft an arrount rnt eK(Eediw £1. The Chaiity ￿ ex2mpted fr￿n usirg the linite¢r￿ its On 26 January 2004 the (harty aptKJwited Twe ofthe ma￿ TW ty Of￿ tjwity Commbyw5' %therre 14lsl D4. The map￿ Rayner Trvg ￿ form￿1 bythe rrwer ofthe Fund and the Htroby Rtyner Trux frrfms port oftrt Chatity for the pU￿Se5 of re9i5trKffi * ￿￿j[￿). Method of AppolThibiieiit•lTnisi•es The TrLJStee5 are Dyectoys ofthe (harty. fia¥TNtt5 we by the Clxrt ￿ the Wtythipfvl Cc¥npany of FunytLre Makets (the Livry) fftn ￿urt￿. to maintsin an dskn15 and to ensure th& the rr￿nY settor5 of the Ind￿ are farty repre$￿ted. Ithdu(tiDn èrbd trninin9 oITnNteos ((Cagonal speoaltst training a￿￿e5. ThuE anThu￿ ItvJe￿￿ r￿t from In¥EYY￿ Manw ass61S uThknandI￿ of the invesbnwt market 50 the Owity's funds are 4)wopr• manw. Th(6e TrLsiees vhj We bew ID FQSt a whle Lw)th gJPWrt ttr indLetKJn of Truee5 aThJ to rw tvek¥wts thnknrKJ. OryanlsatkMI Stnthre and Oec19iM M•kfjvJ In to the Truaees. sjb c(¥Ymittees ¥e ￿Jre￿I] i59Jes ￿ as beDEfits fundra￿￿. A ch￿ Exry)rtht by the Court ofthe Lryery and has dele4￿ for IT￿ iKJdiThJ fiwce and rewLyfy upJes tre Trustees on the plèn5 and ￿rfO￿￿nce ofthe Ch•ty. The Chf Executst Nis a nwrter Co￿%￿h0 gJPWrt rasno offuThJ5 ihe defvery ofvrt¥are and sukwt finKial The tharity. in 4sswatb)n h¥ith the th￿party. l¥¥e o CLYrwQtee vjhmh bth (Dn5th the ofstsff and the r￿nda[￿Tr$ thelr fvtyn ￿ cWe¥eoJtNe. The (hiefexeath¥ remL¥￿ation s a)￿dered by the R￿n￿nerat￿ Cm)iti, ¥)thi(h cor&sts of 04irty ￿ the regard to perfmntr and rI￿r market fartor5. Risk Marbagemefit The Trustees are futhe detai￿ ￿s￿le1thn markW)￿t ofrT*s the tharty. Thry ￿￿u(t annual rev￿5￿ ofthe tnai)r ￿ks(strateg￿, bugne55 ￿rat￿A￿lI to the (Jtyity s exposed, ￿ of the s￿n5 set in pL¥e ro nytyie t r￿ks. Internal fina￿l31 rsks we rdnimsoj ty of ￿￿ethre5 tsthe of ￿ tran￿￿ aid wohts. These

ThE WORSNIPFVLCOHPANY OF FuRiimiRE IIAXEPS CIIARITABLE FUNDS IIICORPORAIIMG TIIE FURNJSH114G TRADES BEIIE¥OLEiif ASSOCIATION TRUSfES REPORT FOR THE YEAA EIIDED 30 APRIL 2022 InduWI,' Publlc Benefft Grant Makbng Pvlities pd. Capitol and ￿cO[ne frr)) be LWJ ot ￿Y c the c￿￿5 orn TIE ger￿￿ th￿tiVeS of the InweStr(￿r are to ensL¥e the ueatM 0f￿r ￿((1) ar¥1 ty) enabk Charty to carry wt ts purw ton r wth dL and proper Cth)S¥J￿atirffi f￿ luiure mèiiteNarKe ofand. rf ￿￿￿ble, ofthe of 1ft￿t funds, we retawj. Reger4es Polkv The Trustee5 rec(rfJnEe thatthe Chth ha5a tom straegt F4n JKI tw the fwn(iab arKI S￿01 enviroTrment ￿ (￿S￿nity thanolThJ. These can have ￿n￿tsnr ihe abw to raF* aThJ ￿ the thetd gyxxt. Wthi) the pkiD tse are Obj￿￿5 to deveknp thaiitable intsatNe5 whKh wil ne8J nd for the benefit ofthose n na.

THEWORSHIPRILCQMPAKY OF FURMTfuRE IIAKERS. CHRThABLE FUNDS IIICORPORATIIIG ThE PJRIIISHIIIGTRADES BENEVOLENT ASSOCtATION TRusfEES' REPORT FOR TIIE YEAR EIIDED 30APRIL 1021 Futwe Developmw The of the CoYhJ pwdemt has ¥Jh the C￿cho￿)n ofthE 2017.2021 pkryn. m¢wrtty. d￿rUpted bjt the thariy grdSPEd the opwtwty b) subanbal ￿pp)rtt0 its The Tnts have then ￿g￿)e￿ a shrrt T￿1￿ plai to suppyr pe£ later part ar￿ Of￿ wel ￿are of Iingerng effects as Y1 as those v40hJ affays ore up the Yoeayr4J of¥wJrity The CLntwiuknn of subthtRI Y￿rare grarrts kn those A reinvryoratw of our svpprrt for mJry a¥￿tts ofour sectty The Creat￿￿ ofa swjnllknnt 5hJnp05bry SW¥Ke vth) IDY￿ sJpk￿ thrwh edLUtiJn tThJ The ins￿r￿nal (thbrat￿ ofeXCel￿ gu￿ nkirks and viti year ha5 induded the second aid Oft￿ We fr￿nats that our was rw)t UThhYsa￿ damw f(. We WÉYY ab to Pttréide furtI￿r wb&antil ofaivrt tM.(U) #i gBnts èThJ amuths to tslose in ther burdEns. A5 a consequertt of the ¥¥eifare d8rwvJs. hal to tL¥)titWE ourstay of ¥endifKJ ￿ trjucath tmrt are pd fvt s r￿ being reknvbjorated not ￿8St with ￿ exlskn of studen1¥ outaxkrMJ wcvk atthe Hal In AutLwnn 2022. Weware on￿ again of hew ory4￿￿¥4 a55tw has be￿ 3 drfFKJth t￿￿. The (Jarity provhs to peop￿ %Yho work or have the lurntwe ••J tum&Mry trth. We to SUPPOrt a number ofannutsnts hO￿h thts ts seen to be a deue3sThJty vnportart part of our clknNJ they nLwber s dednir4J. Our one off gr￿[$ h& m a drffrts to 61 indMthw15 rinjndjl and Fundroisiny Rv4iew hvethnents. Titrj inc(re for tyywto 30Awl 2022 VAS É793.))I crrnpknj vmth £409,897 in tr ywtD 30 Apr• 2021. Fundrai9ng irKorne for 2022 was £492.89B 12021.. É103,gJ4 wxxxne frrffl events tr4etyv W an £110,49) 12021.. £142.8751 frorn fflesr&ershp. to express &)J rLYd th￿r D) ￿ nk)rry pè who p￿t￿$ è part n arrawing ts to rèEe and hb to gJpryt ow Owity. Inbtstsnert in(xThe wa5 th3,451120ZI.. £93.4521. the )sses an thedry￿ [￿￿43th)n5 E216.12712021: Gair of £911,235). ChaitaO attr4th5 in(kned direct gr￿t to tekn of £101.356 12021". ￿42,9?8) gmts kn &u(onal and oth IrtstitLtK￿S totallbig 111,gX)12021". £3.634l In furwJKJ ¢¥rtab thibes its EIO.512 12DZI.' £4.(*1 The totsl funds a nd Ottrease of £399,898 I￿(rease Ni 2U21'. EI58.0151 after C4her tectyns8J gains wl The value of invethents helj at the yearthl dtsyeased fnxn £5.419,765 at l Mty 2021 to £4.865.110 at M) WI 2022. Totsl funds at )] April 2022 anxyJnW b) E6.926.15812021.. £7,325.8151 of7hlKh ENI1202I: £27.375) ￿ helj as restrthd lund5.

THEWORSHIPFUL COMPAIIYOF FURNIfuRE MAKEAS CIiIRITABLE FUIID5 INCORPOPATTNGThE FURNISNIIIG TPADES BEIIE¥OLENT ASSOCLTION TRiisfEEg REPORT FOR THE YEAR ÈNDÈD 30 APRIL 21112 The DlrKknrs, vjho are akn Truste4 are rew5i1& wepariw ￿TT￿gee¥ rewt thE fAwK¥￿ in amrdantr ppkcabk and AcctyJntsi9 Sarthrds iuntyj rirykni A(trp￿ Praixel. Company Liw requ1￿ the Direaots to prep￿ fffla7o￿ Staten￿l￿ ror ￿r. ￿re￿I￿5 must aPPto%t trt finantial atements un5s therf are satisw that tw tsr Tr￿¥V ofts 5t&e of ofthe thartab aThparry athj ofthe r￿urCeS a￿1 (x)ntinue in The ￿rect￿5 ￿ reS￿n￿b￿ for kttpMv4 Jtr4L4te rfford5that are to kn and explain the tliarit3L (tmparf5 tran￿(￿n$ and ¥Yth rea￿￿ab any flnwojl ofthe tharts￿ (￿panY to en9Jre that the finantsèl statwts ¢rMp￿ ith ￿ Compan￿5 Art 2￿>. art re¥￿￿￿b fDr saf￿L￿d1Th9 the ￿softhe thartab￿ ctrry)arry I for tsking reag)iab steps for the armj offrwj )d utegukkn. DIHlosure of Infomwtion to A￿lI1•r So far as that Truee È aware, Ih¥e i% no reknfant grtyJp's al￿￿Or i4 ￿￿e, and thTrL&ee ha5 tskeTh all the steps that 0￿htt0 Bs a TrLth io be 0f￿Y to ests￿th that the chwitable group's audtr ts awa￿ d that Inft#Tnw. of the Cornpanies Art 2(Kffj. This rewrt was apyoved ty tsTTh&ee5rAb Y4 .11. 9]￿d an Ilr beWty'. Paul w)n der trIW. Chaman

IIIDEPENDElffAUDfroRY REPORT ]OAwl 2022 Group ileGtt￿par￿ parent tha￿tab￿ company InOurr4l￿￿ gfvt a far ve•J d tre si of tre group's afKI paient (lt a5 a YJ Awl 2022 ard ststenAts rewrt. we a￿ group Pa￿11 a)Y4Yry in XC£¥dartt with tt ownK)n. ￿L￿e5 LS to teytLvpJiI. n¢y1¥￿'.

be Chartered Attowrtants si RWJ Walfotd. Hwts WDI7 IHP 23. (.tsL3 HllIEr Hopki￿ LLP are tts a(t X(&

70ts1 furnls Totsl fuThls Z021 INCQMf 20 2022 v￿ntary incts f113.347 83.451 J06.9J3 F4J3,347 83,451 106,503 246,783 93.452 69.662 TOTIL It￿￿$￿AND ENOOWMEpirs 793.Y)J RESOURC￿ EXPENOED Expwolbjre on raisin9 fur￿5 276,913 671552 276.￿3 699.927 25L73B 910,379 7&9.10 27?75 TOTALRESOLYI(ts UPEND 9•9.455 27.375 976.830 l.J63,117 NET INfOMWIEXPENDnRQ A￿> IN FLNDS BEFORE LOSSES ON 1156.1541 127.3751 1183.5291 I7￿320) Gains ar¥J losses on dWisal ¢f Irprtrwas% 214.511 1430.6 214.511 1430.638 147,476 7S3,759 NEf INCOMEIIEXMDTfuRO 372,281 27.1 ,656 158,015 Fur￿5 baLante bruughtfrnY¥d 7,M.439 27.375 7.325,8J4 7.16?,ry3 FUN0$ BALA1￿ CARRIED FOIIWARD 4916,158 6,91A158 7 3?5￿14

THE WORSHIPFUL COMPANY OF FURNITURE MAKERS' CHARITABLE FUNDS INCORPORATING THE FURNISHING TRADES BENEVOLENT ASSOCIATION

CONSOLIDATED BALANCE SHEET FOR THE YEAR ENDED 30 APRIL 2022

Nots
FIXED ASSETS
Tanible fixed asset
16
Investment
17
CURRENT ASSETS
Stok
Debtors
18
Cash at bank and in hand
CURRENT LIABILITIES
Creditors
19
NET CURRENT ASSES
TOTAL ASSETS LESS
CURRENT LIABILITIES
Creditors Amount falling due after more
20
than one year
TOTAL NET ASSETS
CAPITAL AND RESERVES
21
Unrestricted funds:
Unrestricted income funds
Revaluation reserve
Total unrestricted funds
Restricte funds
20
E
2,750
291,686
375,503
669,939
310,235
4,906,895
2,019,264
22 202
E
E
3,109,499
4,865,110
2,750
156,517
294,470
453,737
280,726
359,704
8,334,312
1,408,154
6,926,158
4,848,538
2,449,902
6,926,158
6,926,158
1 E
3,214,042
5,419,765
173,011
8,806,817
1,481,002
7,325,815
7,298,440
27,375
7,325,815

For the year ending 30 April 2022 the company was entitled to exemption from audit under section 477 of the Companies Act 2006. The members have not required the company to obtain an audit for the year in question in accordance with section 476 of the Companies Act 2006. However an audit is required in accordance with section 144 of the Charities Act 2011.

Trustees' responsibilities:

The Trustees acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and preparation of financial statements.

The financial statements have been prepared in accordance with the provisions applicable to entities subject to the small companies' regime.

These financial statements were approved and authorised for issue by the Trustees on behalf of the board.

'"""' Paul van der Heyde �' " ' "'

Chairman of the Trustees Date: b •I 'L•'L>-i...

The accompanying notes form part of these financial statements

9

THE WORSHIPFUL COMPANY OF FURNITURE MAKERS' CHARITABLE FUNDS INCORPORATING THE FURNISHING TRADES BENEVOLENT ASSOCIATION

PARENT CHARITY BALANCE SHEET FOR THE YEAR ENDED 30 APRIL 2022

Notes
FIXED ASSETS
Tangible fixed assets
16
Investments
17
NON CURRENT ASSES
Debtors:
Amount falling due after more
18
than one year
CURRENT ASSETS
Stock
Debtors
18
Cash at bank and in hand
CURRENT LIABILITES
Creditors
19
NE CURRENT ASSETS
TOTAL ASSETS LESS
CURRENT LIABILITES
Creditors:Amount falling due after more
20
than one year
TOTAL NET ASSETS
CAPITAL AND RESERVES
21
Unrestricted funds:
Unrestricted income funds
Revaluation reserve
Total unrestricted funds
Restricted funds
20
£
2,750
288,271
219,410
510,431
190,933
4,360,631
1,571,100
22
£
175,475
4,865,110
571,648
319,498
5,931,731
5,931,731
5,931,731
5,931,731
202
E
2,750
191,116
156,196
350,062
180,516
4,308,184
2,001,738
1
E
186,499
5,419,765
561,487
169,546
6,337,297
6,337,297
6,309,922
27,375
6,337,297

For the year ending 30 April 2022 the company was entitled to exemption from audit under section 477 of the Companies Act 2006. The members have not required the company to obtain an audit for the year in question in accordance with section 476 of the Companies Act 2006. However an audit is required in accordance with section 144 of the Charities Act 2011.

Trustees' responsibilities:

The Trustees acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and preparation of financial statements.

The financial statements have been prepared in accordance with the provisions applicable to entities subject to the small companies' regime.

These financial statements were approved and authorised for issue by the Trustees on behalf of the board.

Paul van der Heyde Chaim1an of the trustees

The accompanying notes form part of these financial statements

140 Decrease (IKreasel In Drn {Irts&isel In thbtors 83,255 [30￿74) 135.084 (147.476) (91452) I6.￿5 s3,￿9) 85.734 113,426 (83.45l} 25.119 (156A5n) [S46h38) (1,128) (346,?￿J) 701.9YJ 147.476 93.452 17 17 (419.634) 543,651 83.451 3•7,977 (69h41) 169,6441 1150J12) [155.2201 13 71 81JJ34 (64,W) 69A¥ (71,384) (n,1721 (1.481.ts)i) nfft7 (1.4W.1541

ACCOUIITIMG POUCIES L.1 Basis of Preparatio bertfit entty FRS 101 apli¢aWe ID the UK at¥J Repthr of Irda￿ {FK$ 102) leffetht l J>wry 20191. ttt hiarMi¥ RermThJ a[rAira￿ In th2 UK and Re￿bI￿ of IrelarKI IFRS 1021 tk C￿￿￿%￿&2￿. Trt haroal ststewts tre (Yepar&l 2019 aThl FR$ 101 FUTh pLth￿ng fixed a55. The asset rtseV$ In baLlTKEatO￿ of wrd5e at¥J s tJt 1T¥jLQ￿ in tt 9)FA rthjnationsand Fundraising 07 an ba￿ a5 a Ttsarotysed as fol￿. tre aLKIt fee 1.5 ￿xed Asyeb Imm%ttEnts b) ptore re% fiwng% equwut stra¥htlne YJèwJt¢lr Nl Tr¢Dhs l.• Flh••dal irwtrunr Pensioths

FOA THE YEAVI ENDK•30 APRIL 202Z X)22 20# 1021 I￿,171 49J 2(VJ.171 Toiallur 22 20 2022 22 2022 102Z 2021 ioq, 104. 65,822 i( 2022 Z022 20 2021 44.413 44,413 207 371 4,748 pwrtc Tol•l ILH 2021 2022 2022 22 2022 VIeW￿e Gt•lts 73,981I 27.37S i0iJ56 337.978 ioi

22 2022 2022 2021 (knisio Ir&*wr 7,1 7.19) 1,433

)22 22 2021 OireLt costs Ll 10512 iW4.722 10,512 IW4,722 4,081 3J2.e82 operty eApen 2022 2022 2022 1021 Oire£i tosis Llffi50 11.4x) 12 122 11. DIMCt C(Ats Tvw fvr 21 2022 J22 2022 ￿￿ner4X 11fi9J 10,512 ii, 4,081 417 105 Corwrate mmbeJthpttysts Py￿ra$￿j everts 2022 22 2022 2021 if.S42 55J 35,435 3S4.345 47, 21.597 7,798 44.181 8.576 PR p[rA￿ty)[ 9,287 Otrr dep￿a￿Th 20F.3n 471 819 staff CL%ts InCWcrAsofre£t￿y￿ trar*¥J r￿10 LrffjdE45AI)(DJ21.' £27m))

20 22 22 2021 Premes 153, .138 153 1(,126 103,821 13& 14K Pl•t I￿6v4 110￿￿) Th5 ￿ staled afterdwgry". 2022 2021 uftswwefixeda 113,42S 125,614 IZ 2021 WtyeS￿d salarE5 Temporary 315.262 9lS 31371 5,339 33,2[ 340 45,W) 338,267 318 426 gaff tr7mn9 127,L 386.(L 20ZZ 2021 22 2021 th2 £&I￿E￿Jx erybwsNI ¢(￿h￿

FWThEYW EtIDED30 APRII 2011 Grnup At 1st 3219lO 429.l¥J 375.388 AtIOAw 2021 4￿170 32.1 6.166 41.n 172,959 38.492 At 2022 V at 30P at 30 2021 At 1st 4,19L248 At30 1022 31 4 201 131 At k5tM 202L 113.426 30 NBV At15tb 2D21 kn,29S 6,254 At30WI 2D22 31 Al Lst Nay 6718 i?J 31384 1(.786 17,288 on dwxal Atyofvwl 2022 85.170 at 3D￿l 2D22 at 30￿1 2D21 127

FOR ThEYEAREIIOED 30APRIL 2022 At 1st 5,419.765 419￿y 1543hS11 304 ID22 2022 2021 S qL9765 Ati 5.419.765 419.634 1513,6511 4 865 110 XOZ? 2011 4 86$ 110 yj 2021 2012 135,418 72M4 91,485 Si.534 T2,624 51,534 Iniwe# £4 77 517 .797 VAT 418 156 19. CM11to zo 3021 22 73.ln 17Y L734 IiS29 11,661 Q3 9,937 9.345 Ll.%l .123 9.937 IOJ30 L078 VAT 6%583 14BIW2 (IEIJiPAI QL¢troW*￿￿20ii1xeL." 17

2022 2022 zz 22 20U 2022 4.M5 793￿1 214.511 791 2022 X*22 114511 4X)ts31 20 X12L 2021 ¥) L47.4 91 IJJF.9M 27J75 27

2021 zi li 20U 2021 2021 351.955 165P 133F.9ni 27.175 IZ 22 20U 3.JL4•)3 4.knSIIO 3.109.*9 I￿5.110 669.9J9 131023 I955.5 453.r 12w.n61

s¥w 1,731

t 1021". I￿.?96). At ￿ April 2021 £11597(￿21." E115.420}.a 15 wlttrrAIB W5 1 TO￿ ￿[a$S¥S 992.596 328,e TO￿ EIF￿ 324,BC 4,0