2023-12-31-accounts

REGISTERED COMPANY NUMBEIL. 03411565 (EnglaDd and Wales) REGISTERED CHAIUTY NUMBER: 1065705 REPORT OF THE TRUSTEES AND AUDITED FINANCIAL sfATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2023 FOR SURVIVORS FUND (SURF) (A COMPANY LIMITED BY GUARAIYTEE) Preslons & Jacksons Partnership LLP Statutory Auditors 364 - 368 Cranbrook Road Ilford Essex IG2 6HY

SURVIVORS FUND (SURF) CONTENTS OF THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2023 Page Chairman's Report A note from the Chfief Executive Report of the Trustees 3 to 33 Report of the Independent AMdfitor8 34 to 36 Statement of FinaneiAI Activities 37 Statement of Flnanefial PosltfioD 38 to 39 StAtemeDt of Cash Flowj Notes to the Statement of Cash Flows 41 0ts8 to the Finaneial Statement8 42 to 52 Detafiled Statement of FiDancAal Actlvltles 53 to 54

SURVIVORS FUND (SURF) CHAIRMANIS REPORT FOR THE YEAR ENDED 31 DECEMBER 2023 As we enter the year of the 30th anniversary of the Genocide against the Tutsi in Rwand4 it is tim¢ly to reflect upon all that Survivors Fund (SURF) has achieved over the years to help survivors rebuild their shattered lives and to honour the innocent sou15 who PCTish¢d. SURF has worked tirelessfiy and achieved so much: Over 15,000 genocide widows have developed livelihoods through our eviden¢e-based wraparound support (including livelihoods training, access to finance, counselling, legal support). Over 5,000 student survivors have accessed entrepreneurship and work readiness training resulting in the establishment of over 1.500 new businesses. Over 2,500 women genocide SUTvivors, raped and infected with HIV, have been supported to access lifesaving antiretroviral treatment. Over 1,500 young survivors have been supported to access legal support through the AERG Legal and Counselling Helpline securing a return of assets of over $1 million for young survivors. Over 850 marginalised youlh born of rape to women survivors have graduated from school as a result of our education and counselling support. Over 400 houses have been built for vulnerabl¢ survivors still in need of secure shelter. Over 40 memorial sites have been constructed, providing decent burial for over 300.000 victims of the genocide. SURF has established 4 healthcare centres 5ervi¢ing more than 30,000 people every month. Over 1,000 SUTVIVOTS have been support¢d through university and many now hold prominent positions in Rwanda. And most recently, SURF h&8 been instrumental in opening the Philly's Place children's centre, providing free education programmes to nearly 1,000 children and serving as a vital community hub in Bugesera. None of this would have b¢¢n possible without the ongoing support of SURF'S many donors and benefactors. Your loyalty and support for our cause have been instrumental in enabling SURF to achieve all that it has. It is important also to recognise the dedication and commitment of the SURF staff who work so tirelessly* day in, day out. to make this world a better place. Working coll¢¢tiv¢ly, donors, trustees and staff have made SURF what it is and can be truly proud of all it has a¢hi¢v¢d. On this 30th anniversary, we honour the memory of the innocent Souls who perished in the genocide and acknowl¢dg¢ the courage of those who survived. We are humbled by your resilience and dignity and our thoughts are forever with you during this momentous year of commemoration. For those interested to learn more, and to support our work further, please do log on to our website at www.survivors-fund-or on which there are films which bring to life some of SURF'S projects, as well as infonnation on how to donate. Sam Hunt MBE, Chalr May 2024 Page I

SURVIVORS FUND (SURF) A NOTE FROM THE CHIEF EXECUTIVE FOR THE YEAR ENDED 31 DECEMBER 2023 As we reflect on the achievements of the past year, l am d¢cply honored to share with you the progress and resilience wilnessed among the Survivors of the Genocide against the Tutsi in Rwanda. Despite the immense challenges they continue to face, their unwavering strcngth and d¢t¢mination have been a source of inspiration to us all. In 2023, Survivors Fund (SURF} remained steadfast in its commitment to providing comprehensive support to survivors, empowering them to rebuild their lives and communities. Through our key projects, we have made significant strides in addressing the complex needs of survivors and promoting their long-terni well-being. One of our flagship projects, the Livelihoods Pro￿aMMe, has continued to empower survivors with economic opportunities and skills training. Through partnerships with the Charities Advisory Trust, Clifford Chance, Foundation Rwandffj INSPIRE!afri¢￿ Network for Afric4 Shooling Touch and Southall Trust. together we have helped survivors gain sustainable livelihoods, fostering self-reliance and economic independence. Furtherniore, our Psychosocial Support initiatives have played a crucial role in addressing the trauma and mental health challenges faced by survivors. By providing counselling services to individual survivors and community-based support groups, we have ensured that survivors receive the holistic care that they need to heal and thrive. None of this would have been possible wiihout the generous support of our donors and partners. I would like to extend my heartfelt gratitude to all individuals and organisations ¢ontributin8 to our cause. Your continued generosity and solidarity have made a tangible difference in th¢ lives of survivors, offering hope and dignity in the face of adversity. As we look to the future, we remain committed to our mission of empowering survivors and building a more inclusive and resilient society. Together, we will continue to stsnd with survivors amplifying their voices. Thank you for your unwavering Support. With gratitud¢ Samuel Munderere, Chfief Executlve May 2024 Page 2

SURVWORS YUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 The trustees who are also directors of the charity for the purpo%s of the Companies Act 2006, present their report with the financial statements of the charity for the year ended 31 December 2023. The trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effectiv¢ l January 2019). OBJECTIVES AND ACTIVITIES Publhe beneflt The trustees confirnl that they have complied with the duty in section 4(1) of the Charities Act 2011 to have due regard to public benefit guidance published by the Commission in deterniining the activities undertaken by the Charity. Page 3

SURVIVORS FUND (SURFI REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATECIC REPORT AcbievemeDI and performance SUMMARY OF THE YEAR Here we highlight some of our work in 2023 and flag up some of the work that w¢ plan to undertake in 2024. Th¢ external environment for fundraising has never been more competitive and difficult, so we're pleased to have sustained our work in this ¢hallenging environment. Counselling Enh#n¢ed Reach Project (CERP IID Survivors Fund (SURF) has developed and delivered an array of mental health projects to support survivors over the past 20 years. With funding from Clifford Chance through the Cornerstone programme, the Counselling Extension Response Project (CERP II) enabled SURF, in collaboration with its partners. to provide access lo phone-based counselling and supplementary support lo vulnerabl¢ survivors of the genocide, and related vulnerable persons, from April 2021 through to Oclober 2022. The need and demand for ¢ounselling services made accessible through CERP 11 are greater than ever. in part due to the reduction in government funding for dedicated counselling s¢rvices for survivors. The take-up and effectiveness of the helplines and peer counselling made possible by CERP II has prov¢n to be more impactful than ever due to ￿eater awar¢n¢ss of the support that is available and how to access it. The Counselling Enhanced Reach Project (CERP III) is realising the ambition and potential of the project to ensur¢ ihat survivors can continue to access the counselling support that they require, through to the 30th Anniversary of the Genocide against the Tutsi, and ihen embed the model so that such support continues to be available beyond the end of Clifford Chance funding. The project commenced on 1st December 2022 and will run through to 31 st October 2024. During ihe period of Year l of CERP Ill, the main focus of the interventions has been to continue providing phone-based and peer counselling support to survivors of the Genocide against the Tutsi in Rwanda across the country. Support also has been provided to related vulnerable persons, including the children born after the genocide and oiher members of the survivor's household who have menLal health issues affecting their well-being. The counselling support has been particularly important during the commemoralion of the Genocide against the Tutsi from April to July, as during this time many survivors experience acute trauma which can severely impact on their abilities to engage in any income generating activities. Those who have benefited most from the counselling services are members of the local survivors, organisations in partnership with Survivors Fund (SURF), which include AVEGA (National Association of Widows of the Genocide), GAERG ftJalional Survivoes Associalion of Graduate Students), AERG Oqational Studenvs Association of Genocide Survivors) and IBUKA (Nationa] Association of Survivo￿$ Organisations). The main objective of the project was to support all categories of survivors and related vulnerable persons who are facing mental health challenges across the country. But during the interventions, in particular the phone-based counsellin& we have received as well non-survivor5 requesting mental h¢alth supw)rt. The most significant number of call¢rs to th¢ helpline ￿e elderly widows who are experiencing extreme trauma. There are many r¢asons for the difficulties that they are experiencin& but these are exacerbated often by their poor physical health, as many are suffering from chronic discascs related to their experience during the genocide. Page 4

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 At the beginning of CERP III, we set targets that to achieve at both the output and outcome level, with sp¢cific indicators. We are happy to report that we are making good progress on many of these targets. &8 we prepare for the comrnemoration of the 30th Anniversary of the Genocide against the Tutsi in Rwanda from April 2024. Wc cxpect that there will a grcat demand for mental health support over this time, and as such w¢ will be concentrating efforts to ensure that we extend awareness of the mental health support available, by promoting the toll-free helplines to help survivors and non-survivors who are facing metal health challenges to access the support offered by counsellors. The partnership has enabled us to handle 11,373 calls to the helpline from l December 2022 to 30th November 2023. Those calling the helpline were facilitated by counsellors and peer support counsellors. For this reporting period, 5,923 have called Ihe helpline for the first time, and it is expected that this number will increase further as we approach the 30th Anniversary of the Genocide. Through funding made possible from the projecL our partners will be assisted to promote their helplines through radio advertising and social media. Our partner organisations have benefiled si￿lfICant1Y from the project. This project has enabled AVEGA to set up its own Agahozo Call Centre which is helping them to identify other challenges their members are facing through th¢ calls they are receiving from all over the county. This support from Clifford Chance has enabled partner5 to discuss and explores way5 of ¢ontinuing providing remote counselling after the project end. This is through discussions With other partners including the Rwanda National Police, Ministry of Health, and Rwanda Biomedical Centre. amongst others. Another change is the way professional counsellors hav¢ been supported to impTove their knowledge and aplitude to deliver more effective counselling through the training delivered. This has been achieved tl)rough the supervision sessions with a professional psychologist in quarterly meetings and trainings. Tn order to help the project to be sustainable, we have decided to increase the number of Peer Support Counsellors (PSCS) in different comrnunities. to enable them to work closely with Community Health Officers (CHOS) to identify people in that community who are facing mental health challenges. As per this reporting period, 384 peer support have been trained on the b&si¢s of mental health and how they will be reporting to ihe CHOS at the district level. The Irained PSCS have been able to provide a5515tance to 7,390 people in need during this reporting period. This project has enabled Survivors Fund (SURF) and our partners to train 188 CHOS from across three regions of the Country, who in turn are then able to inforni and educate the Community Health Workers {CHWs) that they work with about mental health issues affecting people, especially survivors of the 1994 Genocide against the Tutsi. As a result, 1,430 CHWS are now better inforn]eO and they are working with community health centr¢s to identify thos¢ who are facing issues of mental health for further support. Josephine "My name is Josephine, and I live in the Southern Province of Rwanda. My story is very long and I cannot narrate it now, but I want to give you a short testimony of how phone-based counselling has changed my life. During the genocide I lost all my family. including my 8 Children and husband, as well as my father and mother and siblings. I have suffered from severe Irauma ever since the end of the genocide up to now. People from my community knew that it was just a matter of time before I would die of this grief. I could not eat or lake time to talk lo others. "A friend of mine learned of the helpline. and the number to call, through an advert on radio. She wrote it down and came to me asking if we can call and ch¢ck if it is true. person￿ly, I could not make any call, but she helped and call the number. A counsellor responded and asked what the problem is that I hav¢. I could not t¢ll my story since it was the first time that I would have done so. But w¢ talked for about an hour and she told m¢ to call again the next day. Page 5

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 "We started that way and we talked every day for at least l O sessions. I started feeling something is changing into my life, even though I did not know the person who is helping me. The only knowledge I had is she w&8 working under AVEGA, which I know is for genocide widows. After several calls with the counsellor. I started dev¢loping some positive attitudes, and now I have started taking to others and thinking about my life. I believe that this is progress and I will continue to try think that way, more positively, about my future. "l am very grateful for the helpline, and my counsellor, for the support I have received." Youtb Eeonomic Empowement Projeet (YEEP) The Youth Economic Empowernient Programme (YEEP) is a partnership between SURF and AERG (National Student's Association of Genocide Survivors) and GAERG (National Survivor's Association of Gradwate Students) to deliver entrepreneurship, work readiness and vocational training, and access to finance and leaming resources. to empower vulnerable youth - specifically young survivors which dropped out of school and marginalised second-generalion survivors - and enable them to develop secure livelihoods and sustainable incomes. In so doin& this will alleviate their poverty and improve their well-being and enable them to better independently support th¢mselves and their hous¢holds. YEEP launched in July 2021, and wijl run for an initial three years, made possible through support from Clifford Chan¢¢. The key objective is to empower vulnerable young people in Rwanda through a programme of entrepren¢urship, work readiness and vocational training, and access to finance, and in so doing to alleviate their poverty and improve their well-bein& In so doing, the project will specifically address Target 2 of Sustainable Development Goal I: "By 2030. reduce at least by half the proportion of all men, women and children of all ages living in poverty,, and Target 4 of Global Goal 3: "promote mental health and well-being" We understand that young people have different ambitions for their professional Ilfe. Some wish to find training and capital to start a business, whilst 0lh¢rs would prefer to find steady employment either through a job or a trade. YEEP seeks to help principally vulnerable and marginalised young people to navigate their pathway into work - whether that is enlrepreneurism. employment or a vocation. We expect that at least 2,550 young people will be ¢nrolled in and Complete one of the four trainlng components of the programme: Entrepreneurship training (pathway into self4mploym¢nt) Work readiness training (pathway into employment) Internship training programme (pathway into employment) Vocational training (pathway into employment or self*mployment) Over the first year of the project implementation, YEEP focused on the three districts of Kigali City. The second year of the project focuses on Eastern Province across 10 sectors of the three districts, which are: - Buges¢rn District: Mayange, Ntarami and Nyamata - Kayonza District: Kabarondo, Mukarange, Nyamirama and Rukara - Rwamagana District., Fumbwe, Kigabiro and Mwurire. The support of Clifford Chance has enabled Survivors Fund (SURF) and GAERG to provide access to an array of opportunilies for young genocide survivors from the Eastern Province to enable them to access entr¢preneurship training and mi¢rofinan¢e through a Loan Guarantee Fund we have ¢stablished to support those that choose to PUTsue ventures which require capital to start-up, as well as through access to channels then enables acce5S to vocational training and internships. And as a result of the second year of the proj¢ct: Page 6

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 503 young survivors (130 male and 373 female) have been receiving entrepreneurship training. Whereby, after training they forn]ed 23 small savings ￿0uPS to enable them to start saving together in small groups, as well as to be able to access loans from our microfinance partner, Goshen. Cumulative savings across all ups to date amount to over FRW 35 million (around £25.000). An Income Generating Activilie5 (JGA) Officer is helping them to develop their business plans in order to submit them to Goshen for consideration for loans, further to a joint assessment by the Goshen and YEEP project team. Those who are illegible will be provided access to loans through the Loan Guarant¢¢ Fund. 50 young genocid¢ survivors have been enrolled in technical and vocational training education (TVET) across an array of different fields to help them to develop skills so that they are better positioned to secure a job in a trade after completing their training. The training they are receiving encompasses a variety of trades and crafts including hairdressing, car driving, ¢s)okin& bakin& filmmakin& as well as tailoring. The duration of the TVET training ranges from 3 to 12 months; tuition fees and scholastic materials are covered by SURF through funding from YEEP, 430 young survivors have participated in the work readin¢ss pro￿arnMe which helps them to wri1¢ application letters and Cvs and prepare for job interviews. And to date, 80 young survivors have a¢¢¢ssed internships and 20 have secured jobs this year with different institutions across the private sector and government, through networking and jobs infonnation sharing. Year 2 has also focused on ensuring continued follow-up and support to Year I participants in Kigali, in particular those who have accessed loans through the Loan Guarantee Fund. The YEEP project leam continues to provide advice, guidance, and help to them to ensure they repay back the loans. The total amount of loans disbursed to Year I participanls to date is 50,006,714 RWF (£36,140). Jean Claude ' "My name is Jean Claude Musabyeyezu, a 30-year￿Id young survivor of the Genocide against the Tutsi in 1994. Currently. I am running a business selling men's shoes and clothes in Nyamirambo Sector, Nyarugenge District. l am a participant in the Youth Ewnomic Empowernient Project (YEEP) of GAERG, supported by Survivors Fund (SURF). "Through this project, I received entrepreneurship training which opened my mind to creale an Income Generating Activity. Previously, I faced hopelessness due to lack of job opportunities and ¢ollat¢ral to access loans. However, after joining YEEP, I gained the necessary skills and developed the idea for my business. With the support of GAERG and SURF, I received a loan of Rwf 400,000 (£270) to start my business in July 2022. "After completing the payment of first loan, I have applied for the second loan equivalent to Rwf 900,000 (£605). Since then, my business has been growing steadily and is now valued at Rwt" 6 million (£4,050). 1 earn a monthly income ranging from Rwf 300.000 to Rwf 400,000 (£200 - £270), which covcrs my basic needs such as food. rent of house, and clothing and other social expcnses. I have also provided jobs to two other people, that are now earning Salaries valued around Rwf 80.000 (£55) per month. I thank so much GAERG and SURF for their support." Page 7

sUR￿VORs FUND (SURW) REPORT OF THE TRUSTEES FOR THE YEAR EIYDED 31 DECEMBER 2023 STRATEGIC REPORT Achievement 2nd performan¢e Summary of Financlal Revleiv Young Survivors Counselling Projeet Thousands of youthful survivors of the 1994 genocide are only now confronting the horror of seeing their families murdered. They struggle lo make ends meeL alone and vulnerable, prone to depression and hopelessness. Through support from our partner Network for Africa (N4A) we are working with AERG to train counsellors who in turn train local people to become counsellors. The counsellors are themselves survivors who have endured traum4 so they are familiar with the challeng¢s faced by people with depression and olher mental health issues. The counsellors are coordinated by SURF Senior Key Worker, Emilienne Kambibi. During 2023, 345 young survivors (132 male. 213 female) from the eastern and southern provinces were supported through 240 ￿0Up counselling sessions. 142 of ihese also received individual counselling from SURPS project counsellors. At the start of the year, 24 survivors were selected to become peer support counsellors (PSCS) and trained in trauma counselling, before leading the group couns¢lling sessions. They participated in 4 clinical supervision sessions during the year. All 345 counselling participants, and 749 community members, received psychoeducation on types of mentsl health issues e.g. trauma, depression, substanc¢ addictionlabuse. We also conducted 177 home visits during the year, providing family therapy, help to resolve family conflicts, and psycho-education. Our counsellors supported the participants lo prepare mentally for the 29th Commemoration of the Genocide against the Tutsi in Rwanda. This support meant that some people felt able to take part in genixide commemoration activities for the first lime. During the commemoration event, the counsellors &ssisted 55 survivors with post-traumatic stress disorder (PTSD), of whom I I needed to be transferred to health facililies - they have all since r¢cov¢r¢d and have been discharged. In 2024, SURF has started 12 new peer ¢ounselling groups in the east (Rwamagana District) and souih (Huye District), consisting of 300 people ( 110 male, 190 female). So far, the wups have had 3 or 4 sessions each. and a baseline study has been conducted with a sample of 60 participants. M* K.M is a young woman living in Gah¢ngeri sector of Rwamagana in the E&stern province. She is married and h&$ two children. She was born into a family of five children, including herself, where her parents were killed during the Genocide against the Tutsi in 1994. She survived with only one sister, who later passed away when K.M was I l years old. Due lo her difficultie4 she was unable to complete her studies and dropped out of school in the second ￿ade of secondary school. At the beginning of the counselling ￿0uP, K.M didn't talk or laugh. When asked how she feels, she only cried. During individual ¢ounselling, she was able to talk about her problems. She said, "If I see happy people laughing, it makes m¢ very sad. I feel like I don't have any reason to be happy. When I was ready to get married, I refused to have a wedding because I have no one to share that happiness with. J sleep less often becaus¢ I sp¢nd timc thinking about how someone lives without having a falnily. I hear voices telling me that l am nothing, l easily get angry, which makes me unabl¢ to soGialise with others. I have no friends, and I like being alone. I don't see my future. I feel less important in the community. I joined the group counselling because I was told that I can be helped and at least be able to raise my childr¢n." Page 8

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT Achievement and performance K.M is being &gsisted in individual and group ¢ounselling sessions to awaken positive resources within herself. For instance, She is reminded that she already has a family stemming from her, and she h&8 a husband whom she Cares for. Additionally. she has been encourag¢d to visit the health cenlre to obtain medication for depression. Youtb EDtrepreneurshlp Tr4lnlng Programme IYETP) 49 survivors who had participated in the Young Survivors Counselling Project during 2021 and recruited for the entrepreneurship programme in 2022, continued to be supported by SURF in 2023. N4A provided a loan guarantee fund of RWF 5,000,000 (approx. £3,115) through Goshen Microfinance. Of the 49 programme participants, 43 submitted business proposals, 19 have received loans from Goshen, of whom 4 have completed repayments. Goshen has disbursed RWF 6,500,000 (approx. £4,050) to date. Th¢ small number of loan recipients is not only because of the siz¢ of the guarante¢ fund, but also because the National Bank of Rwanda imposes penalties on institutions whose default rate is above a certain level, and Goshen requires & guarantor for loan applicants. Due lo these restrictions, the low number of loan recipients, plus ihe need to embed the programme and trainin& it was decided not to recruit new participants to the enlrepreneurship programme in 2023. To mitigate the low rate of microloan recipients, SURF successfully transferred 15 of these participants onto its Youth Economic Empowennent Project (YEEP), funded by Clifford Chance, which gave them access to microloans for their business plans - taking the total number who have received loans to 34. Meanwhile, all 49 participants received refresher trainin& during which loan recipients exchanged experiences with others and dis¢us5 the main challenges their businesses are facing. In addition to the entrepreneurship, in November 2023, 8 participants had short-teTm vocational training in driving. 4 successfully passed their test, while the remaining 4 will r¢tak¢ it in 2024. These training sessions will help them find job5. improve their livelihoods. and fight trauma associated with poverty and unemployment. Finally* 250 PSC project participants receAved work readiness training, of whom 240 received training in entrepreneurial skills, and 218 have started small businesses with their own savings. SURF has assisled peer counselling groups in starting savings, and in total group members saved RWF 1.853,000 in 2023 (approx. £1,155}. 9 project participants received business support from the Ministry of National Unity and Civic Engagement - RWF 500,000 (approx. £310) person to start a small business. Rachel * Rachel is 29 years old. She is an orphan, and a single mother, with a daughter who is four years old. She is on¢ of the Mwurile group couns¢lling mcmbcrs. Rachel dropped out of school in S.5 as a result of an unexp￿ted pregnancy. Du¢ to serious ¢motional ch￿lengeS resulting from her life experience she joined the counselling group. Pag¢ 9

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT Achievement and performance Before joining thc ￿0UP* Rachel was unemployed and had no source of income. She lives in Rwamagana District. Mwurile Sector, in the Eastern Province of Rwanda. She participated in our entrepreneurship skills trnining programme, where she learned about starting a business using either savings or taking a loan from the bank or microfinance institutions. After completing the trainin& she developed a business plan and secured a loan from G05hen Finance of 300,000 Rwf (£200) to implement her business idea of Setting up a boutique to sell clothes and shoes for women. Rachel is very happy that she has started her business, and it is going well despite the business challenges. 'l am very happy that today I have a business which is generating income for my family. After dropping out of ￿h0o1 I thought my life was fjnished unlil I started attending the ¢ounselltng groups with other young survivors. l always had in mind a business idea, bul I could not implement it due to lack of funds. After attending the entrepreneurship training and being given a chance to be selected for a loan, I was very happy. l am not worried about repaying the loan. My business is generating good revenue and I have hope in . the future that I will generate enough profit. My plan ahead is to work hard and expand my business in the future.. Rachel's business is promising. She is generating 120,000 Rwf (£80) per month as net profit after deducting all the expenses. She started repaying the loan, and she is on track to repay all her loan in good time. Her business is now valued at around 900,000 Rwf (£600). Sustaining the Empowerment of Vulnerable Genoeide Wldows In Western Rwanda to Alleviate Extreme Poverty (SEVWEP) In January 2023, Survivors Fund was awarded a grant from the Southall Trust for the Sustaining the Empowerment of Vulnerable Genocide Widows in Weslern Rwanda to Alleviate Extreme Poverty (SEVWEP) Volunteer Network Support Project. This support has enabled Survivors Fund (SURF) and our principal partner AVEGA Agahozo (Association of Widows of the Genocide) to keep helping our beneficiarie5 Ihrough the work of volunte¢TS. The volunt¢¢rs visit survivors who we have helped to start businesses, helping them to generate income and repay loans. They also follow up the work of counsellors to help those who are living with extreme trauma and provide advice on kitchen gardens to help improve food security, as well as reporting to the AVEGA Head Office on the status of genocide survivors in their communities. In the initial planning we intended to assist 200 genocide survivors across 33 sectors of two districts of the Western Province of Rwanda through home visits, to support their income-gen¢rating activities, assist with counselling as well as provide guidance on kitchen gardens. By th¢ conclusion of the project, we have managed to help over 350 beneficiaries from the areas where the project operates. The majority of b¢neficiaries are women survivors of genocide rape, many of them living with HIVIAIDS and living in extreme povety. This grant has enabled them to access support from volunteers for critical assistance. The highlights of the project as a whole, which this volunteer network has supported, include: 1,120 vulnerable genocide survivors trained on entrepreneurship, of which 350 ac¢¢ssed 102ns from Urwego Bank to enable them to start their small businesse5 and gen¢ratc incornc. Among the 1,120 trained on entrcprcn¢urship, 420 g¢nocide survivors have started small businesses using their own saving and borrowing from the saving groups. As such, collectively this ￿ant has enabled 770 individuals to start their small businesses to support their families. 460 beneficiaries benefited from ¢ouns¢lling sessions made by the counselling volunteers who were trained on trauma and mental health basics. Page 10

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT Aehievement and performanee 120 bcneficiaries have been visited to help them establish and improve their kitchen gardens to increase the nutrition in their diet. I beneficiary was awarded a home after a long time of being homeless through the advocacy of Community volunteers. 87 b¢neficiaTies who were suffering with mental health issues have been referred to hospitals for further support. Of them 80 are now doing better, while 7 are slill under treatment. There8e Theres¢ is one of the SEVWEP beneficiaries, living in the Western Province of Rwanda. She is 58 years old. Therese found hope and empowennent through enlrepreneurship training skills and access to finance. She is a member of the DuhoL4nye (Lets comfort each other) income generating activity group. She attended entrepreneurship and self41evelopment skills training, and together Therese and the other group members have pooled their resources together to start helping each other. Group members started saving, whtch helps them financially to slart small income generating activities and boosler their economic growth within the communities. Therese chose the business of making banana juice and banana beer. She started with a loan of 200,000 Rwf (£130) from Urwego BanK which she repaid back with interest, enabling her to secure a follow-on loan of 300,000 Rwf (£195). The business continues to grow and as such Therese has managed to buy livestocL 3 goals. The life of Therese and her family has changed sI￿Aficant1y. "I dony know how I can express my positive feelings. Before this project, I w&8 hopeless and ready to die any time. Getting food was very difficult for most of the genocide survivors in our community, but we thank God for the project. We attended training with no confidence of getting money to start something to generate income. But during the training our minds began changing on a daily basis, and we started saving small amounts as startup capital. We learnt a lot. like investment, savings, money management and conflicl management. I personally took a loan of 200,000 Rwf and started buying bananas from the local market and making juice and beer from them. This business g¢n¢rates a lot of income, and I have managed to buy livestock. l am now able to fully financially support my children who are attending school by providing them with all ihe school materials they need, as well a5 meeling all the basic needs of my family. Good Gifts Project Through funding from the Good Gifts Catalogue, an initiative of the Charities Advisory Trusl, we have extended our sUPPOrt to thousands of widows and orphans that are beneficiaries of our ongoing livelihoods program, enabling them to become more independent and self-sufficient. Survivors Fund (SURF) aims to alleviate the impact of poverty on vulnerable survivors by strengthening their families to secure viable livelihoods. The fijnding from Good Gifts helps to set up income generating projects which empower communities to fight poverty and take tnore active role in deterniining th¢ir liv¢s. Many survivors have b¢¢n supported, receiving livestocL agricultural materials, solar lights and cookers. meals for schoolchildren and much more. Th¢ sUPPOrt from Good Gift5 has played a significant role in enabling us to empower vulnerable survivors and their dependents. The livelihoods programme has helped beneficiaries to improve their lives. For example, those that have received solar lights and clean cookstoves are making savings for their households as they are no longer spending on kerosene. &8 well as saving time used to collect firewood. For that support they, and we, are greatly appreciativ¢. Pagell

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT Achievement and perfornianee Amongst the gifts we have donated this year are: Solar Li ts for Survivors Solar lights are important in Rwand4 as they play a crucial role in improving the lives of Rwandans and promoting sustainable developm¢nt. Rwanda like other many other developing countries faces challenges in providing reliable access to electricity for its entire population. Solar Lights provide an off-grid lighting solution that doesntt rely on a centralized power, making them accessible to people in remote areas. Rachel is one among hundreds of genocide survivors who received solar lights lasl year through the support of Good Gifts. "l am very cheerful to be among the beneficiaries to receive solar lighls from Survivors Fund (SURF). In our community we don't have electricity and there is no plan to have it soon due to the fact that we are living in a very remote area. This solar light will help me in many ways. I nornially use a lot of money to buy paraffin for lighting in the house. l also pay money for mobile phone charging, and I have to walk a long dislance to the shop where I can Charge my phone." The solar lights will improve the educational attainment of the children in the community through enabling students to study after school, which is particularly benefjcial in rural areas where many students do not have access to electricity so cannot study in ihe evenings. As a result, this will lead to better academic p¢rforn)ance and educational outcome5 for those living in the households of the beneficiaries. The solar lights will also be used as an income generating activity, through enabling the beneficiaries to harg¢ th¢ phones for other members of the community. This solar light will also help r¢duce health risks caused by using kerosene and paraffin which produces harn]ful fumes and pose fire hazards. This will reduce the eye and breathing complaints that often arise from those using those traditional lighting sour¢¢s. Agnes, another beneficiary of the pro￿amMe commented: "Sincerely speakin& we are very happy for this solar light which we have received today. We are poor and to get paraffln was not Possible to do for lighting every day. Sometimes we used to enter into the house when it was very dark without any lighting at all. It has not even been possible to get firewood, as it is so much more expensive these days. This solar light will help our children to study for their lessons freely and at any time into the evenin& whereas before this was not possible to do. Thank you for this precious gift.. Solar lights are important in Rwanda because they address critxcal issues related to energy access, educalio healtlL economic development and environmental sustainability. Mobile Health Education Clini¢ Bugesera District is a district in the Eastern Province which has many remote areas. Survivors Fund (SURF) has partnered with Ntarama Health Centre, one of the health centres run by our local partner AVEGA. to provide a Mobile Health Clinic, especially in areas that are difficult to reach. Page 12

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT Achievement and performance Th¢ Mobile Health Clinic is very important in improving health education access, delivery and outcomes in the remote parts of the county. Rwanda's geography includes many remote and hard to reach areas. which can make it difficult for people to access health education facilities. The Mobile Health Clinic can bridge this gap by bringing health education service5 directly to these underserved communities, especially in the rural areas. Demilrie Mukandashimye is the director of the Ntarama Health Centre. She confirnled that this Mobile Health Clinic is very important to them. They have many people that walk up to 20 kilometres to come to their health centre to attend education sessions on reproductive health/farnily planning* and many women that come to vaccinate their children. The mobile clini¢ will help take both the health education and the vaccination programme direct to the people that need it mosL and otherwise 8truggled the most to access it. "We are very happy today to receive Ihis Mobile Health Clinic, which is going to help us to deliver health support to more people than ever. This will help in particular those people who currently com¢ from far away to the Health Centre, as we are now in a position to take our work directly into their ¢ommunittes with all the materials needed to ensure that we can deliver the support that they need. "During our health education campaigns, Ihe Mobile Healih clinic will help u5 Wjth our outreach and to transport all the essential materials, We used to have to rent cars to bring medication to this Health Centre from the District Office, but now we will be using this electric vehicle which will save & lot of money that otherwise wc had to pay. "We have 88 community health workers who are helping people in the villages. We will be working with them to arrange field outreach activities together. Before receiving this support, we used to provide services to less than 10,000 people a month. But due to this support, we will be able to deliver help to more than 30,000 people per month providing an array of different services to a much ￿eater population, including those most in n¢ed of our health support in hard-to-reach rural communities." The Mobile Health Clinic is very essential because il addresses the unique healthcare challenge of accessing remote communities with limited healthcare infrastructure, and the need to improve access. This will play a big role in advancing healthcare access, improving h¢alth outcomes, and promoting the overall wellbeing of the population. Banana Beer Traditional beer, known as Urwagwa in Rwanda, is a popular and culturally significant alcoholic beverage in the countryside. It is made from ferniented bananas and has been consumed for centuries as part of Rwandan traditions and rituals. Through the support of Good Gifts, Habimfura Felicien who is 54 years old living in the Southern Province of Kamonyi district, has been supported to start a business of making and selling banana beer in the community. "I thank you very much for this SUPPOrt. I have a family of 8 children who I need to support to pay for their school fees and school materials to enable them attend school regularly. After receiving the support from Good Gifts to set up a small business producing and selling Urwagw4 I now make banana beer five times a week and can produce up to four jerry cans each round. l am very sure that my family life will be changed for the better, as l arn now able to generate income of Rwf 20,000 (£15} per week as net profit with which I am now able to meet the essential needs of my family." Page 13

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT Achievement aDd perfornjance Banana beer has a cultwal significance. especially in ceremonial use where it h&8 ritual significance in Rwanda. It is often used in Iraditional ceremonies. such as wedding59 birthday celebrations, and other important events. Sharing Urwagwa is a way for Rwandans to bond and build sooial connections. Not only at ceremonies, but also offering Urwagwa to elders is a SI￿ of respect to them. Traditional banana beer plays a central role in Rwanda culture. connecting people, preserving traditions and celebrating life's important moments. While the process may vary slightly from one region to another and among differenl Rwandan communities, the cultural significance of Urwagwa remains strong throughout the county. Universii onsorsh. The support from Good Gifts enables Survivors Fund (SURF) to sponsor students at inslitutions of high learning. Currently we are sponsoring seven Universiiy swdents. This year three students graduatrd and Claire is one of them. She graduated wilh a Bachelor's Degree in Finance. Claire used to work and study in order to pay her sch¢)ol fees and support her family. It was too much a responsibility that she dropped out of school in order to support her mother and young brothers. The support from Survivors Fund (SURF) mad¢ possible by Good Gifts has helped Claire to continue her education, to return to pursue her studies and ultimately to pursue her dream. 'The scholarship connected me with a vibrant and supportive community of fellow pKholars. I have been anted the privilege of interacting with fellow students and this ha5 enriched my social and intellectual life. J feel a strong sense of responsibility to make the most out this opportunity I have been given. I want to honour the faith that SURF has placed in m¢ by excelling academically and giving back to my community." Claire plans to continue her studies through Pursuing a Master's De￿e¢ in Public Health Policy and Planning. She is currently working as an office coordinator for one of the health facilities in Kigali. Foundation RJY4nda Programme Through funding from Foundation Rwand4 Survivors Fund (SURF) is currently addressing the education and counselling needs of young people conceived through rape during and under circumstances directly related to the 1994 genocide committed against Tutsi in Rwanda. The challenge for the affected mothers and children is that FARG, the government body that assists vulnerable survivors of the genocide, does not consider these young people eligible for support because they were bom after genocide and thus are not by definition survivors. However, they are recognised to be a particularly vulnerable and marginalised population. Since Foundation Rwanda's inceplion in 2007, Survivors Fund (SURF) has been the key Pa￿er in providing lifc-changing services to the Foundation Rwanda families, which h&s h¢lped more than 1,700 women and their offsprin& Unemployment is at a high rat¢ in Rw8nd4 especially among young peopl¢. Technical and Vocational Education and Training (TVET) has been a principal solution to address youth unemployment because graduates with a trade are more easily able to start their own businesses, create job opportunities 8nd sustain themselves and their families fmancially. In 2022, 80 new youth were supported to access TVET through funding for relevant courses and pro￿arnMe$. Page 14

sUR￿VORs FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR EIYDED 31 DECEMBER 2023 STRATEGIC REPORT Achievement and performance Even though Foundation Rwanda have supported many young people to attend TVET courses and over 400 of them have graduated with adequate knowledge and skills. many of those graduate's face unemployment challenge and do not have the capital to start their own business¢s. To address this challenge, Foundation Rwanda has set up a Small Business Innovation Fund programme to provide capital to youth who want to start small businesses. In 2023. 17 youth have been sponsored to start their own businesses and there is a plan to support more youth in the near future. The students who have grown into inspiring, hopeful young adults now face the challenge of securing jobs or attending university while ￿appling with the circumslances of their birth and the legacy of trauma. SURF remains committed to continue implementing Foundation Rwanda's prO￿aMS with our local partner organizAtions, Solace Ministries, Kanyarwand4 and AVEGA Agahozn. u.c "I grew up living with my mother, who was often sick without knowing the reasons for her chronic disease. When l tried to ask her about my father, her health status wors¢n¢d significantly. Sometimes she would cry, become verbally aggressiv¢, or even beat rn¢, which hurt m¢ d¢¢ply. "I was fortunate to receive support from Foundation Rwanda when I was in Grade 5 of primary school. l am grateful that, as a child born out of rape without a father to pay my school fees. Foundation Rwanda covered my primary and secondary education. During this time, I studied Literature, Swahili, and English. "During my secondary school studies, my mother joined a counselling group and began addressing me in a non-violent way. As a result, conflicts between us started to reduce. It was during this time that she sal down with me and told me about the circumstances of my birth; I was born from rape during the 1994 Genocide against the Tutsi. After I found out, it was hard to accept and live with. Subs¢quently> I started isolating myself, feeling hopeless, having difficulty sleepin& easily becoming angry, and feeling ashamed of being born from an unknown criminal, a perpetrator of genocide. He remains unknown because my mother lold me that she had been raped by many perpetrators and was unable to identify the one responsible. I reached a point of hating myself. losing the sense of life. "All of this came to an end, and l accepted whatever happened when I went to a youth camp and met with other youths with whom I shared a common life story. Then, I realised I was not alone. After ￿aduating from secondary school, I found myself in the devastating situation of being raped and becoming pregnant. Cohabiting with the man became necessary so thaL at the very least, my child would know his father and not be like me. '[ lived with my husband in a state of conflict and emotional abuse, feeling because I was born from a killer or perpetrator. This situation worsened when I received a university scholarship because he had not graduated from school. he wanted to prevent me from pursuing my studies. However, I refused to give up on my education, and as a result, we separated. l attended university and pursued a degree in hospitalily under a scholarship from CNLG (the Ministry of National Unity and Civics Engagement), leaving my child with my mother. I successfully ￿aduated and obiained an Advanced Diplom& Page 15

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT Achlevement and perforrnanee "After ¢ompleting my university studies, I struggled to find a job. However, due to my responsibilities of aring for my child and my mother, I decided to work as a housemaid for a Kenyan employer. Simultaneously, l undertook a one-year short course in driving and mechanics with the support of Foundation Rwand4 which I consider to be like a faiher figure to me, Now, I hold a Category B driving licens¢, l am a mother to a 5-yeaT-old boy? and l am employed at a 3-star hotel. My role involves working as a waitress during the day, and because l also have a driving license, l am able to work as a driver at nighL transporttng Customers who are unable to drive themselves due to alcohol consumption. 'All of this is possible due to the support of Foundation Rwanda. I live independently, paying rent and school fees for my child. From the depths of my heart, I want to express my sincere gratitude to Foundation Rwanda for helping us build our resilience through education, paving the way for a brighter future. Thank you so much." Communlty Counselllng Infitlatfive (CCD Through counselling for women victims of genocide rape, Survivors Fund (SURF) and Foundation Rwanda have provided counselling in a well-structured peer support approach to over 800 mothers through our Community Counselling Initiative. Of these, a further 50 received counselling during 2023. The project includes in-depth monitoring and evaluation, surveying the women before, during and after working in the counselling groups. This provides the ability to track the changes in their circumstances and monitor their wellness, whilst also providing feedback to ensure that the counselling groups are having a positiv¢ impact and ar¢ helpful to the women. These women, who were previousty marginalised, stigmatised and alone in th¢ir trauma, can build their ¢onfiden¢e and self-esteem, increase their knowledge, enhance POSAtive emotions and reduce shame. The counselling ￿0up$ also helped to improve relationships with their children and family. Since 2016, we have extended the approach of group counselling to develop community counselling foT the children of the women survivors too, as youth born of rape face great challenges related to trauma and social stigma as well. They are described as carriers of "deviant genes" and are often marginalised in their families and communities. In instances occurring during wartime, many societies have adopted hateful labels such as "¢hildren of shame" or "children of bad memory" Many mothers are starting to speak out against the negative perceptions and stiwa associated with children of rape and disclosing to their children the circumstances leading to their birth. Many moth¢rs attest that after disclosure the children now youth, need psychological support. The youth retreats in 2023 brought together 30 youth to receive group counselling, reproductive health training and carecr guidancc. This has provided vitsl support and assistance otherwise unavailable to them. LC* M.C is a 29-yearvold woman living in Gasabo district. Kigali City. She is the firstborn in a family of 5 Children. She has shar¢d with others during the youlh camp that her recovery journey began with online counsellin& continued with individua] counsellin& and pro￿esSed through Phases I and Il of the Youth Camp in 2023. Page 16

SURVIVORS FUND (SURFI REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT Aehievement and performanee She said, "l am the mother of a 7-year-old child. I was legally married, but after 3 year5, 15eparaled from my husband due to his drunkennes5 and inability to effectively fulfil his family responsibilities as a man. On the other hand, l used to experience headaches, anger, difficulty sleepin& isolation, and a feeling of being tired with life, E¢ading to three suicide attempts. "After the separation, I went back to live wilh my mother and her husband. The situation worsened in our family, with persistent conflicts often resulting from my anger to the point where blood emerged from my ears at times. This continued to the extent that I was on the verge of madness, and it was then that I started calling the SURF/Foundation Rwanda Counsellor who helped me online. Thereafter, I continued to have individual face-to-face counselling sessions with her. Through her help, I came to realise the causes of the conflicts and the reasons our marriage failed, which were due to my own wounds, but also because my husband was carrying wounds as a survivor of the 1994 Genocide against the Tutsi. I was advised that both my husband and I needed more psychological support. which is why I wa5 referred to a psychialrist. even though we wer¢ already separated. 'The support I received through individual ¢ounselling enabled me to approach my husband and ask him to seek medical care for a better life. I attended the Youth Camp after I had 5taTted receiving treatment from a psychiatrist. Initially, l thought I was lh¢ only one separated from my husband. but I found others with similar cases, "Meeting With others who shared similar problems and life experience5 and learning about the roles of each partner in creating a happy and safe family> helped me accept what had happened and decide to reunite with my husband once again. My husband appreciated the counselling services I received, which indirectly affected him. He now sometimes advises his alcoholic friends to seek help from mental health professionals to prevent the harniful effects of alcohol. L*gal and Coullselllng Helplllle TheLe al and Counsellin i Hel line (Helpline) was established in August 2013 as a partnership between Survivors Fund (SURF) and AERG to fill the gap in support for young survivors of the genocide against th¢ Tutsi with legal and mental health challenges, and other relaled vulnerable young persons, so that they can access support regardless of where they ar¢ located in Rwanda. Funding for the Helpline has been contributed principally by ￿SPIRE!afriCa. By providing legal and counselling sUPPOrt services countrywide. the Helpline filled a necessary gap in support for vulnerable young people with outstanding legal disputes or suffering from trauma. This is one of the only free and accessible services for those unable to afford to take their legal Cases to court or lacking the confidence or abiEity to find someone to talk to about a mental health issue. In addition to providing telephone-based support, the helpline also has field staff who conduct outreach and provide support to clients through legal education and orientation, advocacy and representation in court. The Helpline was launched with the intention of primarily providing telephone-based support. However, due to the demand for legal and a counselling support. the helpline has ￿Own from a small pilot telephone-based service to an innovative, all-encompassing legal and counselling support service, which includes outreach visits to schools and universities to raise awareness of legal rights. &8 well as the services available through the helpline, to young p¢opl¢ acros5 Rwanda. Since its13unch in 2013, the service h&5 SUPPOrted over 3,000 young people to reclaim assets with a value of over Rwf I billion (around £750,000). Page 17

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT Acbfievement and performance Shooling Touch Shooting Touch, in collaboration with SurvivoT5 Fund (SURF) and Uyisenga n'manzi, is using the power of sport (basketball) to improve Rwandan individuals, knowledge and management of mental health illn¢sse4 while striving to reduce the existing stigmas. on an individual, family. and community level. around the understanding and treatment of such illnesses. Funded by Comic Relief, the three-year projecl, which launched in 2021, will deliver the following: l. Women. boys. and girls suffering from mental illness(es) report a great¢r awareness of their mental health status. 2. Increased access to and utili7ation of mental health services for at-risk (defined as an individual with a mental health concern) women, boys, and girls. 3. Increased knowledge surrounding mental health illnesses, coping strategies, and available services for staff, participants. families, community members, and health workers, 4. Decreased social stigmas surrounding mental health illnesses and treatment amongst participants, families, and fellow community mcmbers. 5. Increased sense of self-worth, acceptance, and knowl¢dge lo live healthier and happier lives amongst at-risk participants. The project focuses on Kayonza Districl in the Eastern Province of Rwanda. The partnership slrategically combines sports-based approaches with quality mental health support. It provides mental health education, physical activity, and expanded access to counselling services. The approach is to move into a new village ea¢h year, while also sustaining existing participants, enabling us to serve as many as 520 at-rlsk Rwandan women and youth in each village, engage over 100 healthcare professionals with up to 4 coaches, and educate approximately 4,000 community members. Cbantal * For many years, Chantal's life was very difficult. Employed as a houseworker, Chantal was the sole ¢arner in her family, whilst also being expected to cook, clean and look after three children. This marital dynamic is quite common in rural Rwanda. Chantal's husband offered no support at home whilst retaining complete fmancial control - often spending Chantal's wages without consulting her. To add to these pressures. her husband's family, who did not approve of their marriage, would opeTJly insult her in the village. Now, she is a leader with an inspiring message to share. Back then, Chantal was in a lot of pain and unable to see a way out: "My husband's family didn't love me. They would call me bad names, whatever they wanted. Even my neighbours hated me because of them. Because of the way K was treated, I felt helpless." But then Shooting Touch arrived in Chantal's village. It uses the power of sport to help whole communities tackle the effects of povety. health and gender inequ￿lty. A basketball court was set up and Chanlal, excited to play* signed up immediately - continuing ¢v¢n as some people harassed her for it. Page 18

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YL4R ENDED 31 DECEMBER 2023 STRATEGIC REPORT AehievemeDt aDd performance Over the course of the programme, Chantal learnt about her rights as a woman, and about how gender norn]s were negatively impacting the community. Finding her voice, Chantal decided to speak up for herself and challenged her husband's behaviour. "I went home and I asked my husband 'Why don't you help? I'm tired. I do everirthing. If you don't help me, I will go., He listened., Although resistant at first, Chantal's husband began to appreciate what she was saying. And one day she came home from work to find a clean hom¢ and a cooked dinner. Long-terni, their partnership has now improved significantly, and the pair have expanded theAr fanning business, benefitin8 the enlire farnily. Chantal h&s gone from slrength to strength and was recently elected to be a Community Health Worker for the village. Her role includes distributing mosquito nets, educating others about health and working with children under five. She also played a huge role during the Covid-19 pandemic. informing her community about the virus and administering the vaccine. "I was elect¢d to b¢ a Gommunity health Worker. They saw that I have potential., Chantal is now more motivated than ever and describes her family as happy and thriving. "My plan is to work hard for my family and for my children to study well and make a livin& and for me to move forward. I want to keep movin8 forward every day." 'The message I would give to other women is that they should be bold., Reacbing RwAnda Sandhurst School has been running its ground-breaking Reaching Rwanda project in partnership with Survivors Fund (SURF) since 2008. Pioneered by the Sandhurst School Deputy Head Samantha Hunt, who is also Chair of SURF, the Reaching Rwanda project has worked extensively in Rwanda by linking UK school students with sU￿1VOrS. The proje¢t has three main aims: To inforni students about the Genocide against th¢ Tutsi in Rwanda and of the continued plight of survivors today. To COTfftect student5 With genocide survivor5 and enable them to become friends. To enable smdents to become actively involved in improving the life chances of genocide survivors and to see the dlfference their efforts make. The young people of Sandhurst School are highly engaged in supporting survivors of the 1994 Rwandan genocide thanks to the efforts of Samantha and its dedicated teachers. Sandhurst School Sixth Form students and local community volunteers have made eight visits to Rwanda through the project. An enduring relationship for survivors and the school is now in place with regular skype calls between the students and the survivors. Studenls have been so moved through their exp¢ri¢n¢¢ and have supported the project raising approaching £300.000 for genocide orphans. Devoted to improving education and livelihoods across Rwanda the project has in particular supported Ntsrama Survivors Village, in Bugeser4 Eastern Province. Page 19

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT Acbievement and performance In July 2023, the 8th Reaching Rwanda visjt arrived in Kigali. SURF Chair. Sam Hunt MBE, who developed the educational prO￿amMe and led the first visit in 2010 in her professional role as Deputy Headteacher of Sandhurst School, w&$ accompanied by I I supporters from the UK and the USA who have long-supported SURF and the Reaching Rwanda project. Each person brought with them gifts donated by themselves and well-wishers, including toys, educational materials, and toiletries which were dislributed to hundreds of children that the project supports. As well, the group visited Philly's Place. a unique children's Cenlre which opened in 2020 through the funding and support of donors to Reaching Rwanda, The Centre is equipp¢d with 2.5 tonnes of the best educational equipment from the United Kingdom, including 4,300 books, donated through the Reaching Rwanda project. It is currently operating from temporary rented premises in Nyamats whilst awaiting completion of ihe construction of the pernianent site in Ntarama. Philly's Place offers free tuition in Kinyarwanda, English, maths and science, technology, art, music, dram sport and dance, as well as teaching valuabl¢ skills lik¢ sewin& knitting and bead¢Taft to approximately 600 local children of all ages. The aim is to provide fun, leaTning experience5 for children in th¢ Bug¢s¢ra ar¢a in after school prO￿ammeS as well as every Saturday and throughout school holidays in order to support children's learning by providing excitin& enriching experiences to children of all ages. All services are provided to the children free of charge. The Centre is over run every week and As becoming an important community hub. Work is underway to complete th¢ Construction of a new pennanent centre for Philly's Place. which hopefully will be open by 2025. Edueatlon Education is a fundamental right that enables people to break the cycle of deprivation and poverty. Survivors Fund (SURF) sUPPOrts acces5 lo university education to 5 students. and funding for school materials for a further 40 student5, being brought up by genocide widows through funding by lNSPIRE!africa and the Reaching Rwanda project. In addition, through funding principally from Foundation Rwanda we are providing 87 young people with acces5 to Technical and Vocational Education and Training (TVET). Thxs relieves the burden of widows. who struggle to bring up and provide financial support to the young people in their care. Also, many young heads-of-households have dropped out of school to look after their younger siblings and w¢ give them a chance to attend school. Many students have no school or university materials, most of them have to wall( long distances to attend their places of study, sometimes hungry because they cannot afford rent near university and meajs. It is important to provide allowances for transport and meals for such students. Education remains the most important route out of poverty. Foundation Rwanda is providing support for accommodation and meals to 10 stud¢nts in need. Shelter A home is a safe place to b¢ for most peopl¢. Many survivors lost their homes during the genocide, many received houses from government and NGOS after the genocide. Nearly 30 years after the genocide, many of the houses are now dilapidated and in dire need of renovation. Page 20

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT Acbievement and perform2nte In order to rebuild a sense of dignily and to provide a peaceful environment that enable5 survivors to deal with their day-to-day needs, during the year Survivors Fund (SURF) Tenovated 2 houses for widows and youth-headed households with support from INSPIRE!africa and Foundation Rwanda. Group Analy$is Tralnlng Over the ¢ourse of 2022, a group of professional counsellors in Rwanda had the opportunity to participate in a special international course delivered by the Institute of Group Analysis (IGA). Convened by Anne Morgan, with the support of Justin Phipps, MJ Maher, Krisna Cat5aras and Frederic Brooks, all of whom are experienced Group Analysts, the course has developed the skills and capacity of the local counsellors to us¢ group analysis in their mental health interventions. The participants ar¢ all mental health professionals from 9 different organisations including ARCT-Ruhuk Sociotherapy and SURF'S local partner organisation, AVEGA Agahozo. The training will help the participants to use groups to help people with mental health and emotional concerns across different parts of the country where these organisations are operating. Participants are now able to: - Re¢ognise the effect of group dynamics upon self and others Have increased self-awareness and self-reflexivity - Understand group dynamics from a Group Analytic perspective Recognise how group dynamics relate to the context of the setting Recognise and use theoretical language and concepts specific to Group Analysi5 - Understand the meaning of fundamental Group AnaJyli¢ tern] - Understand psychoanalytic theory in relation to group development Understand how context impacts upon group dynamics in clinical and organisational settings Link Group Analytic theory with practice Group Analysis is a powerful therapeutic medium that fo¢us¢s on the relationship between th¢ individual and the group, emphasising the essentially social nature of the human experience. As a method of treatment, group analysis offers an approach that recognizes how emotional, behavioural and psychological phenomena emerge in the context of our social groups. Carefully constituted analytic groups have a long record of helping people with personal problems and in promoting personal development, The for ￿p￿rt in Rwand Ic is ￿eat as a result of the genocide and yet there is a limited number of qualified and experienced psychologists. This training has enabled the counsellors to acquire skills that will improve their mental healih support services to the people of Rwanda. and in particular survivors of the genocide. This is one of a number of courses that the IGA has delivered in Rwanda since our partnership began in November 2014 after it was identified that psychologists and professionals workRnE in mental health would benefit from training in therapeutic groups. To date, 73 participants have completed the IGA Foundation Cours¢, of which 20 have subsequently completed the Intennediate Course and 4 are doing the qualify cours¢. Page 21

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT Financial review Summary Despite the continuing challenges of fundraisin& 2023 proved the financial Tesilien¢e of Survivors Fund (SURF), as we ensured to control our expenditure in light of falling income, whilst stilE delivering the same level of support through our network of local survivor's organisations with which we partner. In¢ome Our income in 2023 was £535.742. The major sources of income were: 0 £45,899 from the Charities Advisory Trusl, through its Good Gifts Catalogue, which has proved critical in providing livelihood projects and scholarships in Rwanda. 0 £221,198 from Clifford Chance for our Counselling Enhanced Reach Project (CERP 111) and Youth Economic Empowem]ent Project (YEEP), which supported phone-based counselling for vulnerable survivors across Rwand& as well as employment and entrepreneurial opportunities for young survivors. 0 £33,952 from Foundation Rwanda for our education programme supporting young people born of g¢nocide rape, as well as community counselling and youth camp5. £30,759 from INSPIRE!africa for our Youth Entrepreneurship Training PrO￿arnMe, Legal and Counselling Helpline &5 well as various educational and sheller projects for survivors. 0 £46.004 from Network for Africa for our Young Survivors Counselling Programme as well as a new cohort for our Youth Entrepreneurship Training Programme (YETP). 0 £36,426 from Shooting Touch through funding from Comic Relief to support the mental health through sports project in Kayonze District. 0 £3,000 from the Southall Trust to fund the Sustaining ihe Empowemient of Vulnerable Genocide Widows in Western Rwanda to Alleviate Extreme Poverty (SEVWEP). Expendlture We maintained our expenditure on key projects proportionate to the income received for them, as well as controlled our expenditure on our core costs to £98,411. This in part was due to continuing strong exchange rate gains which we accrued over the year. FuDdrai$ing Effe¢tivene*J We do not have any fundraising spend, as we undertake no marketin& paid-for advertising or direct mail. This is quite exceptional for a charity thal generates over £500,000 in in¢ome. Though we do receive a Google Grant. which provides us with free adv¢rtising on Google with an equivalent monetary value of $866 in 2023. Financial Foreeast The year ahead 15 promising to be equivalent to the past eyar for SURF. We begin the year again with a very low-cost b&se, and good reserves. We will continue to receive funding from major donors over the year ahead: Charities Advisory Trust, Clifford Chan¢e. Foundation Rwand4 INSPlRE!africa and Network for Africa. In addition. we have been awarded a BBC Radio 4 Appeal which will generate extra funds. Future Income We had secured approximately £265,000 of income at the start of the year, including £150,000 from Clifford Chance, £25,000 from Foundation Rwand4 £30,000 from tNSPIRE!afri¢a, £30,000 from Ndwork for Afric4 and £30,000 from an anonymous trust. Page 22

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT We continue to seek to identify independently additional funding opportunities with trusts and foundations in the UK, and in the USA in partnership with Foundation Rwanda. Continued emphasis will be placed on supporting our partner organisations to develop and secure funding for projects directly, which will result in less income being channelled through SURF over time. Future Expenditure We are committed to keeping our costs as low &8 possible in and outside of Rwanda in 2024. SURF now only retains a part-time consultant in Ihe UK, with no overheads. We have no plans to recruit any more staff in the UK, and the number of staff in Rwanda will be directly related to project funding. Following a salary review of staff in Rwanda, we awarded an increase of 5 % for Staff, around the level of inflation in Rwanda, in January and June 2023. We plan to ¢ontinue to maintain the level of grant expenditure in 2024 as our income allows, ensuring that w¢ ty to maintain a small surplus despite the challenging financtal environment. Reserves pollcy The policy agreed by the trustees is that the minimum amount to be held as reserve is now sel at 5 month's operating expenditure. By the end of 2023, our reserves amounted to £79.351, of which £25,652 was designated as free reserves (equivalent to three month's operating expenditure, which has been built back up above the five month level of free reserves with income s¢¢ured in the first quarter of 2024). Page 23

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRATEGIC REPORT FUTURE PLANS Every three years, the partners, trustees and Staff of Survivors Fund (SURF) undertake a review of our work to date, and develop a slrategic plan for our work ahead. We dis¢uss what are the priorities for survivors now and likely in the three-year period ahead, and what resources we have as an organisation to help address them. Our Strategic Plan accounts for the emerging changes affecting survivors of the genocide against the Tutsi in Rwand￿ and the changing environment in which SURF works. We developed a new five-year Strategic Plan at the end of 2023 which sets out the aims, targets and actions for SURF and its parlners work from 2024 to 2028. and which forn) the basis for operational priorities. It explains how SURF intends to assist partners to achieve their own plans and priorities. It sets out a demanding but exciting agenda of support to our partners. It will d¢liver greater impact for those we are seeking to help. By balancing our programmes, advo¢a¢y work and capacity building with our fundraisin& monitoring and evaluation we will in¢r¢as¢ our reach and build greater support for our work. The Strategic Plan will be continuously monitored to inforni the future direction and development of Survivors Fund (SURF). Our key themes and targets for 2024 - 2028 are: Direct support for rehabilitation Secure sustainabl¢ livelihoods for survivors and related vulnerable persons through a focus on income generating activilies, entrepreneurship and employment. Improve the well-being and resilience of survivors and related vulnerabl¢ groups through a focus on mental health provision. physical health inforniation and commetnoralion. Reduce the vulnerability of survivors and related vulnerable perJons through a focus on decent housing, food security, renewable energy sources and elderly care. OrgaDlY4tional Support for regeneratlon - Empower survivor organisations in Rwanda to advocate for justice and security for survivors and related vulnerable persons. - Enable survivor organisations in Rwanda to be more sustainable over the long-tern]. We look forward to reporting on our progress ahead. STRucfuRE, GOVERNANCE AF4D MANAGEMENT Governing dorumenl The charity is controlled by its govcrning documenL a deed of trust, and ¢onstitutes a limited wmpany. limited by guarantee. as defmed by the Companies Act 2006. Page 24

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRucfuRE, GOVERNANCE AND MANAGEMENT HOW SURF IS RUN Survivors Fund (SURF) is a charitable company• registered in England and Wales with both the Charity Commission {1065705) and Companies House (04311565). This stTUCture, which is used by many charilies, allows us to have all the advantages of charitable status, and simultaneously to limit the trustees, liability through the company's 'limited' status. As a charity and a company limited by guarantee, Survivors Fund (SURF) h&$ no Share capital and therefore cannol be owned by anyone. The charily is governed by its Memorandum and Articles of Association, dated 30 July 1997. SURF is headed by a Board of Trustees. For company-law purpose4 the trustees are also the directors of Survivors Fund (SURF) Ltd. Day-lo￿aY managernent of the organisation is undertaken by the Chief Executive in Rwanda. THE BOARD OF TRUSTEES The Board of Trustees has authority over and responsibility for the organisation and acts as its legal guarantors. The effectiv¢ involvement of the Board of Trustees is considered crucial to the success of SURF and is dependent on shared goals. the development of sound and creative working practices and significant time commitments. The Board meets ai least four times a year. to asses5 the charity's progress since the previous meeting, and to set milestones to be achieved by the next meeting. The Chief Executive attends each Board meeting either in person, or virtually from Rwanda, and provides an update to the Trustees on the Charity's progress and assists in the setting of goals. Trustees also provide valuable assistance to th¢ Chief Executive and other members of staff when necessary. TRUSTEE ELECTION. INDUCTION AND R￿ELECTIONs Trustees ar¢ elected at the Annual General Meeting (AGM) by the members of Survivor5 Fund (SURF). Th¢ members include all the trustees. In b¢tw¢en AGMS, Trustees may be appointed temporarily by the general agreement of the existing trustees. However, such appointh]ents are only valid until the next AGM. After appointment, Trustees are presented with a copy of our most recent annual report: the charity's governing documents, and the minutes of the two most recent Board meetings. They are also &sked to study the principles of the Charity Commission's Essential Trustee booklet and are invited to speak with the Chief Executive and Chair to discuss the charity's position and operation. At every AGM, one-third of the Board of Trustees is required to resign, though they can then be re*lected for a further three-year tern). There are no tenn limits, with the orggnisation recognising the value of institutional knowledge held by long-serving trustees. Page 25

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRUCTURE, GOVERNANCE AND MANAGEMENT CURRENT TRUSTEES Eight trustees served the entire year. They are: Sam Hunt MBE (Chair) - Sam is Deputy Headteacher at Sandhurst School. She is a winner of the Secondary School Teacher of the Year award, the Anne Frank Award for Inspirational Educator of the Year and has been reCO￿lSed as a Sue Ryder "Woman of Achievement" the "Pride of Bracknell" and an honorary fellow of the University of Winchester. She is a volunteer educator for the Holocaust Educational Trust and an academic advisor for Remembering Srebrenica. She has been a truste¢ since 2008. elected as Chair in 2013, and was awarded an MBE in 2020 in recognition of her voluntsry work with SURF. Josephine Uwamariya (Vice-chair) - Josephine served as County Director of ActionAid International Rwanda from 2010. before retiring in 2022. She is a social worker by profession and has an MBA from the M&2stricht School of Management, specialising in Project Management. David Chaney (Vi¢e-Chair) - David owns and runs a full-service public accounting practice, representing over 200 clients including a number of charities. He regularly visits Rwanda and has worked to strengthen the financial management of SURF partners. He lives in Houston, Texas. Adrian Veale (Treasurer) - Adrian is an accountant and has worked in the field for over 30 years. He also has experience as an auditor of charitable organisation5. He has supported th¢ work of Survivors Fund (SURF) since 2011 through volunteering with Project Umubano. Jeanette Kagabo - Jeanette has been a trustee since 2004. She is a survivor of th¢ genocide and moved to the IJK in 2002. She is an advocate for the cause of survivors. speaking at an array of national and regional events since 2003. Will Goodhand - Will is Chief Innovation Officer and Founder at Goodmore Global, an int¢rnational research agency. He was a Conservative Party Parliamentary Candidate in 2015 and has support¢d the work of Survivors Fund (SURF) since 2009 through numerous visits with Project Umubano. Samantha Lakin - Samantha is an advanced PhD student at The Strassler Cent¢r for Holocaust and Genocide Studies, Clark University and a Graduate Research Fellow at Harvard Law School. She was fornierly a Fulbrighl Scholar in Rwanda. Her research focuses on human security in post-conflict societies, memoriali7Ation prYÉCtices initiated by states and survivors. Philomene Uwamaliya - Philomene has been a registered nurse since 2006 and specialises in mental health nursing for those with complex problems, refugees and &8ylum seekers. She is a Senior Lecturer in Mental Health Nursing at John Moores University in Liverpool. After serving ten years on the board. Alphonsine Kabagabo retired as a trustee at our September AGM. Alphonsine served a number of years as our Vice-chair and continues to advocate for the cause of survivors. We thank h¢r dearly for her dedication and commitment over that time. After serving for more than 15 years, Liliane Umubyeyi also retired as a trustee in 2023. Liliane served a number of years also as our Vice-chair and continues to champion the work of SURF. We also thank her for all the tireless work she has undertak¢n to assisl SURF over the years. In 2024, w¢ have welcomed to the board four new member5: Page 26

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRucfuRE, GOVERNANCE AND IVIANAGEMENT Pam Goddard - Pam is a Citizcn's AdviseT, a CoTnmunity first Rcsponder, a voluntary driver/tre&8urer for Good Neighbours and a volunteer for Debra. the buttertly skin charity. She last visited Rwanda in 2023 and is an active supporter of Philly's Place. Norn)a Hewins - Nornia is currently a Head TeacheT (NPQHT) of a primary school in North London. She be¢n the head foT 10 years at her current school and has been in education foT over 30 years in lotal. She last visited Rwanda in 2023 and is an active supporter of Philly's Place. Jean Bosco Ngabonzima- Bosco is a forn)er Chair of the West Midlands Rwandese Community Association and a long-terni champion and spokesperson for the cause of survivors of the Genocide againsi the Tutsi in Rwanda. Stephanie Kayirangwa - Stephanie is a fonner Chair of the Rwandan Community Portsmouth and Advisor to the National Association for Rwandese Communities in the UK (NARC-UK). She speaks to raise awareness of the situation of survivors of the Genocide againsi ihe Tutsi in Rwanda. VOLUIYTEERS AND KEY SUPPORTERS Our work is helped by the Contribution of many indAvidual volunteers, who mak¢ up the SURF Projects Team. Their work is vital in extending the reach of SURF. We would like to record special mention of SURF Chair, Sam Hunt MBE, who works lirelessly to help SURF raise funds through the Reaching Rwanda project which she established to raise funds through schools and community groups. As well as Dr Noam Schimmel, who works tirelessly to advocate for the cause of survivors, in particular through his academic research, publications and teaching. We also want to thank Joy Childs for her unstinting support of Survivors Fund (SURF) and the funding that she has raised through teaching art and organising fundraising events among her network, and Kathy Shanklin and Rebecca Tinsley who support many students and vulnerable survivors in Rwanda. PARTNERS SURF is fortunate to have a number of partners that support our work and make it possible both in the UK and Rwanda. Our work is supported by an array of funders whose support is invaluable. In 2023 our funders included the Charitie5 Advisory Trust, Clifford Chance, Foundation Rwand￿ INSPIRE!africa, Network for Afric Shooting Touch and the Southall Trust. We would like also to thank an array of anonymous donors. SURF h&8 received guidance and advice from individuals and 0rgantsatio￿S too numerous to mention, but we would like to acknowledge the contribution of them all. SURF has worked with the following survivors, organisations in Rwanda during 2023: AVEGA A hozo - Association of Widows of the Genocide | ￿AER - Survivors, Association of Sludents and Pupils | GAERG - Survivors, Association of Graduate Students | La N'manzi - Association of Isen HIV+ Orphan-headed Households | Solace Ministries Christian Association of Genocid¢ Survivors | Kan arwanda - Genocide Survivors Association defending human rights Page 27

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR KNDED 31 DECEMBER 2023 STRUCTURE, GOVERNAI¥4CE AND MANACEMENT STAFF The CEO of Survivors Fund (SURF), Samuej Munderere, is th¢ primary point of contact between the tn￿tee5 of SURF, and the SURF team in Rwanda, as well as with the partner organisations and donors. Sam directs and coordinates all activities of SURF supported by David Russell, who serves as the UK Coordinator and Company Secretary. Sam is supported in Rwanda by a core team which includes Emilienne Kambibi, Raban Havugimana and Vincent Nyauma, with advisory from Dr Jemma Hogwood, all of which play Vit￿ roles in ensuring our work progresses as well as it has done to date. Samuel Munderere, CEO - Sam h&$ worked with SURF since 2004, and has experience in managing counselling and education projects. helping to set up our Foundation Rwanda project in 2008. Sam holds a MA in International Development Management from the University of Westminster and a BA degree in Social Worker and Social Administration frorn Bugema Universily, and a Msc in Global Mental Health from Kings College London and the London School of Hygiene & Tropical Medicine, Emilienne Kambibi, Senior Key Worker - Emilienne is a trained counsellor and social worker and has led our Community Counselling Initiative to support women survivors with children born of rape since 2011. She has a PGCert in counselling from the College of Medicine and Health Sciences and a BA in Sociology. Before joining SURF, she worked with AVEGA Agahozo and African Rights. Raban Havugimana, l¥ogramm¢ Manager Raban joined SURF in 2012 and helped lo set up our entrepreneurship projects with AERCT, wher¢ h¢ was fornierly a member, and helps to lead on the monitoring and evaluation of our livelihood development programmes. He has an MA in Development Studies from Mount Kenya University. Vincent Nyauma, Accountant - Vincent joined SURF in 2009 to manage our accounts and supervises the audit of the financial reporting of partner's programmes funded through SURF. He is a Certified Public Accountant in Rwanda and Kenya, He holds degrees from UNISA. Strathmore and Moi Universities. Dr Jemma Hogwood, Clinical Psychologist Advisor - Jemma has a Doctorate in Clini¢al Psychology from University College London and is registered to practice as a Clinical Psychologist in th¢ UK and Rwanda. She has been Working with SURF since 2010, helping to set up many of our counselling proj¢¢ts, and continues to provide supervision to our counsellors on a consultancy basis. The office team in Rwanda is supported by the following staff: - Claudine Mukakalisa, Office Assistant - Gilbert Dusabirnana, Security Guard In the UK. our office is managed by: David Russell, UK Coordinator - David has been working with SURF since 2004, first as a consultant, and then served as the CEO from 2009 to 2013. He continues to help manage the finances and as Company Secretary also the governance of the organisation, supporting the team in Rwanda on communications and programme development. He has an MA from New York University and Cambridge University. Our team is supported internationally by Liam Dempsey of Ibdesign (online) and Drew Sutton and Rachel Collingwood of eco2 (film and photography), and we are that￿1 for their continuing support. Page 28

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRUCTURE, COVERNANCE AND MANAGEMENT Risk maDagemeDt We have ¢xamined the major risks to which the charity is exposed and review them at each Board meetin Systems and procedures have been put in place to manage those risks. The Risk Register is maintained by the Chief Executive and UK Coordinator, under the supervision of the Board. Below is an overview of the major financial and operational risks we were facing at the time of our most recent board meeting (March 2024). elof Impact Likelihoo Ctttegory Risk Title (1-5) d(1-5) Potentlal Impact Steps to mfitlgate rtsk External Climactic risks Events such as Ensure that the risks are hea￿ rains, id¢ntifi¢d, and where volocanic urgently required advocacy eruptions in is undertaken with Rubavu and stakeholders who could earthquakes could potentially address them. have a major impact on housing of beneficiaries. Financial Inflation in Rwanda Some costs on Continue to monilor and fixed budgets will increase projected Costs in increase (such as new budgets. Monitor fix¢d transport and budgets to ensur¢ that we food) and thus will have additional funding to require additional maintain activities as Contribution to planned. Cover - unless grants increase. Operational Loss of key staff Potential threat to delivery of projects beuuse of a deficit of institutional knowledge Ensure that staff are properly supported, and that there are sufficient development opportunities. Ensure that there are appropriate ¢onsullants to add support if and when necessary. Page 29

SURVIVORS FUIW {SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRUCTURE, GOVERNANCE AND MANAGEMENT Operational Safeguarding Harn) to beneficiaries and reputational damage to SURF Ensure thal our safeguarding policies are included in our partner reporting requircm¢nts and that beneficiaries know about whistle blowing policies so that they know who they can report abuse to. External RwandalDR C conflict Fear among survivors of Interahamwe from DRC killing op1¢ especially those in Gisenyi and Musanze near the Goma border post. Work with survivors, organisations to extend our mental health work in the districts near the border with DRC. External Genocidal Ideology/ Denial Potential threat to vulnerable survivors, in particular from released perpetrators. Downplaying the importance of the Genocide against the Tutsi. Monitor the situation, and where required advocale to the Government of Rwanda to take action (through Ibuka). Financial Lack of fundlng opportunities Lo&$ of income Regularly review and ability to programmes to ensure support area/are&s they're relevant to current of work which donor focus while particularly may mitigating against "mission result as a result of drift keep abreast of donor the reduction of and development trends: UK Aid Budget include full cost recovery budgets when opportunilies do arise. Page 30

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 STRUCTURE, GOVERTrIANCE AND MANAGEMEIYT REFERENCE AND ADMINISTRATIVE DETAILS Registered Company number 03411565 (England and Wales) Registered Charity number 1065705 Registered offi¢e 4 Heathfield Road Bushey WD23 2LJ Trustees Sam Hunt MBE (Chair) Josephine Uwamariya (Vice•Chair) David Chaney (ViceQhair) Adrian Veale (Treasurer) Alphonsine Kabagabo - Resigned on 24th Sept 2023 Liliane Umubyeyi - Resigned on 26th April 2023 Jeanette Kagabo Will Goodhand Samantha Lakin Philomene Uwamaliya Noma Hewins - Appointed 22nd January 2024 Pam Goddard - Appointed 22nd January 2024 Stephanle Kayirangwa- Appointed 22nd June 2024 Jean Bos¢o Ngabonzima - Appoint¢d 22nd June 2024 Company Secretary David Russell Chlef Executlye Samuel Munderere Founder Mary Kayitesi Blewitt OBE Bankers Co-operative Bank l Balloon Street Manchester M60 4EP Page 31

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR EISDED 31 DECEMBER 2023 REFERENCE AND ADMINISTRATJVE DETAILS Auditors Prestons & Jacksons Partnership LLP ststutory Auditors 364 - 368 Cranbrook Road Ilford Essex IG2 6HY STATEMENT OF TRUSTEES, RESPONSIBILITIES The trustees (who are also the directors of Survivors Fund (SURF) for the purposes of company law) are responsible for Preparing the Annual Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice) including Financial Reporting Standard 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland Company law requires the trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charitable ¢ompany and of the incorning resources and application of resour¢es. including the income and expenditure, of the charitable company for that period. In preparing those financial statements, the trustees are required to select suitable accounting policies and then apply them consistentlyi observe the method5 and principles in the Charity SORP; make judgements and estimates that are reasonable and prudent; state whether applicable accounting standards have been followed, subject to any material departure5 disclosed and explained in the financial statements. prepare the financial statements on the going con¢ern basis unless it is inappropriate to presume that the charitable company will continue in business. The trustees are responsible for keeping proper accounting records which disclose with reasonable ￿¢Ur&CY at any titne the financial position of the charitable company and to enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charitable company and hence for taking reasonable steps for ihe prevention and detection of fraud and other irregularities. In so far as the tnistees are aware.. there is no relevant audit infomation of which the charitable company's auditors are unaware. and the trustees have taken all steps that they ought to have taken to make themselves aware of any relevant audit inforniation and to establish that the audilors are aware of that inforniation. AUDITORS The auditors, Prestons & Jacksons Partnership LLP. will be proposed for re-appointment at the forthcoming Annual General Meeting. Page 32

SURVIVORS FUND (SURF) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2023 Report of the truslees, incorporating a stralegic T¢pofL approved by order of th¢ board of inJste¢s. a5 the company directors, on l.k..ks¢.knl.*V ..￿.￿+. and signed on the board's behalf by: Trustee kWJ 5YaHfifiJTrtA HKJ Difoc&rg Page 33

REPORT OF THE INDEPEIYDENT AUDITORS TO THE TRUSTEES OF SURVIVORS FUND (SURF) Oplnlon We have audited the flnancial statements of Survivors Fund (SURF) (the '¢haritable company) for the year ended 31 December 2023 which comprise the Statement of Financial A￿1VItieS. the Statement of Financial Position. the Statement of Cash Flows and notes lo the financial statements, including a summary of significant accounting ￿?]IcIes. The financial Teporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including Financial Reporting Standard 102 The Financial Reporting Standard applicabl¢ in the UK and Republic of Ireland,. In our opinion the financial ststements: give a true and fair view of the state of the charitable cOmpan￿S affairs as at 31 December 2023 and of its incoming resources and application of resources. including its income and expenditure, for the year then have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice, including Financial Reporting Slandard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland,; and have been prepared in accordance with the requirements of the Companies A¢1 2006. Basfis for oplDlon We conducted our audit in accordance with International Standards on Auditing (UK) (ISAS (UK)) and applicable law. Our r¢sponsibilities under those standards are further described in the Auditors, responsibilities for the audil of the financial statements section of our report. We are independent of the charitable Company in a¢¢ordance with the ethical requirernents that are relevant to our audit of the financial statsments in the UK, including the FRC'S Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. Conclu8lon• relating to golng CODcern In auditing the financial statemenls, we have concluded that the trustees, use of the going concern basis of accounting in the preparation of the financial slatements is appropriate. Based on the work we have perfomed, we have not identified any material uncertainties relating to evenls or conditions that, individually or ¢ollectively> May cast significant doubt on the charitable company's ability to continue as a going concern for a period of at least tw¢lve m4)nths from when the financial stat¢m¢nts are authorised for issue. Our responsibilities and the responsibilities of the trustees with respect to going concern are described in the relevant sections of this report. Olber IDform4tion Th¢ trustees are Tesponsible for the other infonnation. The other infonnation comprises the inforniation included in the Annual Report, oiher than the fjnanctal statements and our R¢port of the Independent Auditors thereon. Our opinion on the financial statements does not cover the other inforn)ation and, except to the exlent otherwise explicitly stated in our reporL we do nol express any forni of assurance conclusion thereon. In connection with our audit of the financial statements, our responsibility is to read the other inforn)ation and. in doing so, consider whether the other infornlation is materially inronsistent with the financial statements or our knowledge obtained in the audit or otherwise appears to be materially misstated. If we identify such material inconsistenci¢s or apparent material misstatements, we are r¢quired to detern)in¢ wh¢theT this gives rise to a material misstatement in the financial statements therns¢lves. If, b&scd on the work we have perfonned, we conclude that there is a material misslatement of this other inforn]ation, we are required to report that fact. We have nothing to report in this regard. Page 34

REPORT OF THE INDEPENDENT AUDITORS TO THE TRUSTEES OF SURVIVORS FUND (SURF) Use of our report This report is made solely to the charitable company's trustees, as a body, in accordance with Part 4 of the Charities (Accounts and Reports) Regulalions 2008. Our audit work has been undertaken so that we might state to the charitable company's trustees those matters we are required to state to them in an auditor5, report and for no other purpose. To the fullest extent perniitted by law, we do not accept or assume responsibility to anyone other than the charitable company and the charitable company's trustees a5 a body> for our audit work, for this report, or for the opinions we have fornied. for and on behalf of Prestons & Jacksons Partnership LLP Statutory Auditors Eligible to act as an auditor in ternis of Section 1212 of the CL)mpanies Act 2006 364 - 368 Cranbrook Road Ilford Essex IG2 6HY Dat¢: ..... Page 36

REPORT OF THE INDEPENDENf AUDITORS TO THE TRUSTEES OF SURVIVORS FUND (SURF) Matters on which we are required to report by exeeption We have nothing to report in respcct of the following matters where the Charities (Accounts and Reports) Regulations 2008 requI￿S us to report to you if, in our opinion: the Inforn￿tiOn given in the Report of the Trustecs is inconsistent in any material respect with the financial statements; or the charitable company has not kept adequate accounting records. or the financial statements are not in agreement with the accounling records and returns. OT we have not received all the infonnation and explanations we require for OUT audit, The Trustees were not entitled to prepare the financial statements in accordance with the small companies regime and take advantage of the small companies, exemptions in preparing the trustees, report from the requirement to prepare a strategic report. Re8ponsfibilitie8 of truytees As explained more fully in the Statement of Trustees, Responsibilities, the trustees (who are also the directors of the charitable company for the Purposes of company law) are responsible for the preparation of the financial statements and for being satisfied that Ihey give a true and fair view, and for such internal control as the trustees detcrn]ine is necessary to enable the preparation of financial Statements that are free from material misstatement, whether due to fraud OT e￿Or. In preparing the financial statements, the trustees are responsible for a55e5sing the charitable company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the charitable company or to cease operations. OT have no realistic alternative but to do so. Our responsibilitles for tbe audit of the finanei%l statements We have been appointed as auditors under Section 144 of the Charities Act 201 l and report in accordance with the Act and relevant regulations mad¢ or having effect thereunder. Our objectives are to obtain reasonable assurance about whether th¢ financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue a Report of the Independent Auditors that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAS (UK} will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of user5 taken on the basis of these financial statements. The extent to which our procedures are capable of detecling irregularilies, including fraud 15 detailed below: We obtsined an understanding of the legal and regulatory framework applicable to the entity and how the entity is complying with that framework by discussing with management and checking compliance with regulators. A further dcscription of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at www.frc.org.uklauditOTsT¢sponsibilities. This description fornis part of our Report of the Independent Auditors. Page 35

SURVIVORS FUND (SURF) STATEMENT OF FINANCIAL ACTIVITIES (INCORPORATING AN ll¥COME AND EXPEL¥DITURE ACCOUNT) FOR THE YEAR ENDED 31 DECEMBER 2023 31.12.23 TotAI funds 31.12.22 Total funds Unrestricted Restricted fund fund Notes INCOME AND ENDOWMENTS FROM Donations 31?21 55,942 87263 91,973 Charltable actlvltiej Charitable Activity 3,000 444,672 447,672 571,677 Other Incoming Resources 938 558 1,496 67,261 Total 35,259 501,172 536,431 730,911 EXPETqDITURE ON Charllable actlvltles Charitable Activity 109JOI 521299 630,600 797,055 NET INCOMEI(EXPENDITURE) (74,042) (20,127) (94,169) (66,144) RECONCILIATION OF FUNDS Total funds brought forward 99,694 73,826 173,520 239,664 TOTAL FUNDS CARRIED FORWARD 25,652 53,699 79,351 173,520 The notes forni part of these financÈal statements Page 37

SURVIVORS FUND (SURF) STATEMENT OF FINANCIAL POSITION 31 DECEMBER 2023 31.12.23 31.12.22 Notes FIXED ASSETS Tangible assets 13 27,129 41,548 CURRENT ASSETS Debtors Cash at bank and in hand 14 23,126 57J09 21,726 138,921 80,435 160,647 CREDITORS Amounts falling due within one year 15 {2&213) (28,675) NET CURRENT ASSETS 52222 131,972 TOTAL ASSETS LESS CURRENT LIABILITIES 79J51 173,520 NET ASSETS 79J51 173,520 FUNDS Unrestricted funds: General fund Restricted funds.. Restricted Funds 17 25,652 99,694 53.699 73,826 TOTAL FUNDS 79J51 173,520 The charilable company is entitled to exemption from audit under Sedion 477 of the Companies Act 2006 for the year ended 31 December 2023. The members have not deposited notice. pursuant to Section 476 of the Companies Act 2006 requiring an audit of these financial statements. The trustees acknowledge their responsibilities for (a) ensuring that the charitable company keeps accounting records that comply with Sections 386 and 387 of the Companies Act 2006 and (b) preparing financial statement5 which give a true and fair view of th¢ state of affair5 of the charitable company as at the end of each financial year and of its surplus or defjcit for each financial year in accordance with the requirements of Sections 394 and 395 and which otherwise comply with the requirements of the Companies Act 2006 relating to financial statements, so far as applicable to the charitable company. These financial statements have been audi*d under the requirements of Section 145 of the Charities Act 2011. The notes forni part of these financial statements Page 38 continued...

SURVIVORS FUND {SURF) STATEMENT OF FINANCIAL POSITION- CODtinued 31 DECEMBER 2023 The financial statements were approved by the Board of Truslees and authorised for issue on were si8ned on its behalf by: &+Etv Truste¢ 'B IroLEGr= f114nrwftlA Truslee ,￿lfoL&Y* The notes form part of these financial statements Page 39

SURVIVORS FUND {SURF) STATEMENT OF CASH FLOWS FOR THE YEAR EIYDED 31 DECEMBER 2023 31.12.23 31.1222 Notes Casb flows from operatlng activitie# C&%h generated from operations {81,612) (61,821) Net cash used in operating activities <81,612) (61,821) CA8h flows from InvestlDg actlvltles Purchase of iangible fixed assets (10,695) Net cash provided byl(used in) investing activities (10,695) Ch¥4nge ID cash and eash equlvaleDts ID the reporting perlod Cash and cash equlvalents at tbe begSDnlng of the reporting period (81,612) (72,516) 138,921 211,437 CA8h and cgsh equival¢ntJ at the end of Ihe reportlllg period 57a09 138,921 The notes form part of these financial ststements Page 40

SURVIVORS FUND (SURF) NOTES TO THE STATEMENT OF CASH FLOWS FOR THE YEAR ENDED 31 DECEMBER 2023 RECONCILIATION OF NET EXPENDITURE TO NET CASH FLOW FROM OPERATING ACTIVITIES 31.12.23 31.12.22 Net expenditure for the reporting period (as per tbe Staternent of FinAnclal Activiti¢8) Adjuslments for: Depreciation charges Losses on FA Increase in debtors (De¢rease)/increase in creditors (94.169) (66,144) 8,680 5,739 (1,400) (462) 10,998 (1,603) (7.344) 2272 Net Cash uyed in operationj (81,612) (61,821) ANALYSIS OF CHANCES IN NET FUNDS At 111123 Cash flow At 31112123 Net cish Cash at bank and in hand 138,921 (81,612) 57009 138,921 (81,612) 57 J09 Tot41 138,921 (81,612) 57J09 The notes forn] part of these financial statements Page 41

SURVWORS FUND (SURF) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2023 ACCOUNTING POLICIES Basis of preparing the flnaneial statements The financial statemcnts of the charitable ¢ompany, which is a public benefit entity under FRS 102. have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective l January 2019),, Financial Reporting Slandard 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland, and the Companies Act 2006. The financial statements have been prepared under the historical cost convention. The charity constitutes a public benefit entity as defIned by FRSI 02. Gofing Concern The organisation further secured sufficient fundings to operate for the next twelve months. As such, the Bo&rd of truste¢s are confident that they would be in a position to carry out their charitable activities in th¢ Coming year. As a result of this, the trustees consider that there are no material uncertainties about the charity's ability to continue as a going concern. IDeome All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, il is probable that the income will be received and the amount can be mea5UTed reliably. Donations are recognised when the charity has been notified in writing of both the amount and settlement date. In the event ihal a donation is subject to conditions that require a level of perfornlance before the charity is entitled to ihe fijnds, the income is deferred and not recognised until either those conditions are fully met, or the fulfilment of those condition is wholly within the control of the charity and is probable that those conditions will be fulfilled in the reporting period. Income from government and other grants, whether 'capiial" gants or "revenue" grants is recognised when the charity has entitlement to the fund5, any perforniance ¢ondilions attached to the grants have been met, it is probable that the Ancome will be received and the amount can be measured reliably and is not deferred. Donated services recognised in Ihe financial statements would include those provided by an individual or entity as part oftheir trade or profession for free. An equivalent amount is included as expenditure. ExpeDditure and irrecoverable vat Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation Committing the charity to that expenditure. it is probable ihat a transfer of economic benefits will be required in settlement and the amount of the obligation Can bc m¢asured reliably. Expenditure is accounted for on an accruals basis and ha5 be¢n classified und¢r headings that aggregale all cost relaled to the category. Where costs cannot be directly attributed to particular headings they have been allocal¢d to activities on a basis consistent with the use of resources. trr¢cov¢rabl¢ VAT is Charged as a cost against the activity for which the expenditure was incurred. Grants offered subject to conditions which have not been met at the year end date ar¢ noted as a mmitment but not accrued as expenditure. Page 42 continued...

SURVIVORS FUND (SURF) NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR EIWED 31 DECEMBER 2023 ACCOUNTING POLICIES - Continued Tangible fixed a￿ets Depreciation is provided at the following annual rates in order to write off each asset over its eslimated useful life. Leasehold Land Plant and machinery Motor vehicles not provided 250/0 on cost 250/0 on cost Tangible fixed assets are stated at historical Cost less accumulated depreciation and any accumulated impairnient losses. Historical Cost includes expenditure that is directly attributable to bringing the asset to the location and condilion necessary for it to be capable of operating in the manner intended by managemtnt. No depreciation is ¢harg¢d on the value of land but any improvement costs are depreciated. Taxgtfion The charity is exempt from corporation t&x on its eharitable activities. FuDd accounting Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trust¢¢s. Restricted funds can only be used for particular reslricled purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are ratsed for particular restricted purposes. Further explanalion of the nature and purpose of ¢a¢h fund is included in the notes to the financial statements. Forelgn currencies Assets and liabilities in foreign currencies are translated into sterling at the rates of exchange ruling at the statement of financial position date. Transactions in foreign currencies are translaled into sterling at the rate of exchange ruling at the date of transaction. Exchange differences are taken into account in arriving at the operating result. Debtors Basic financial assets, including trade and other debtors, are initially recognised at transaction price, unless th¢ aTrangernent constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest. Such assets are subsequently carried al amortised cost using the effective interest Method, less any impairnient. Creditors Page 43 continued..

SURVIVORS FUND (SURF) NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2023 ACCOUNTING POLICIES - Continued B&8ic financial liabilities, including trade and other creditors, loan5 from third parties and loans from related parties, are initially recognised at transaction price, unless the arrangement constitutes a fmancing transaction, wher¢ the debt instrument is measured at the present value of the future payments discounted al a market rate of interest. Such instruments are subsequently carried at amortised Cost using the ¢ff¢ctive interest method, less any impaimi¢nt. FIDaDclal Instruments The charity only has financial assets and financial liabililies of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured ai their settl¢m¢nt value. DONATIONS 31.12.23 31.12.22 Donations Gift aid Donated services and facilities 74,056 12,518 689 80.225 9,137 2,611 87363 91,973 OTHER INCOMING RESOIIRCES 31.12.23 31.12.22 Agency Income Interest income 558 938 62,468 4,793 J,496 67,261 Page 44 continued...

SURVIVORS FUND (SURF) NOTES TO THE FIIYANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2023 INCOME FROM CHARITABLE ACTIVITIES 31.12.23 31.12.22 Activity Charitable Activity Grants 447,672 571,677 Grants received, included in the above, are as follows: 31.12.23 31.12.22 Foundation Rwanda INSPIRE!afri¢a Anonymous Charities Advisory Trust (Good Gifts) Comic Relief (Shooting Touch) Charities Aid Foundation (CAF) America Network for Africa Allan & Ne5ta Ferguson Charitable Trust Add￿ & Oryx Foundation Clifford Chance Southall Trust 33.952 30,759 30,000 45,899 36,426 434 46,004 110,911 30,634 71,929 70,807 30,041 8,420 37,426 20,290 37,859 153.360 221,198 3,000 447,672 571.677 CHARITABLE ACTIVITIES COSTS Grant funding of activities (see note Support costs (see not¢ 7) Direct Costs 6) Totals Charitable Activity 58,All 473J89 99.100 630,600 GRANTS PAYABLE 31.12.23 31.12.22 Charitable Activity 473,389 637,861 Page 45 ontinued...

SURVIVORS FUND (SURF) NOTES TO THE FINANCIAL STATEMENTS - Continued FOR THE YEAR ENDED 31 DECEMBER 2023 CRANTS PAYABLE - continued The total ￿antS paid to institutions during th¢ year was as follows: 31.12.23 31.12.22 Community Projects (Shelter) Foundation Rwanda Youth Entrepreneurship Training PrO￿amMe (YETP) Community Counselling Initiative (CCI) Good Gifts Project Reaching Rwanda Project University Student Support Programme Network for Africa Entrepreneurship Project Empowering Vulnerable Genocide Widows in Western Rwanda to Alleviat¢ Extreme Poverty (EVWEP) project. Empowering Vulnerable Genocide Widow5 in Karongi and Rutsiro District to Alleviate Extreme Poverty (EVKREP) project. Other Agency Costs Counselling Extension Response Project (CERP III) Youth Economic Empowerment Project (YEEP) 6,962 49,128 4,946 62,448 2,958 122,853 102,871 57,699 3,232 13,714 112,340 83,159 69,092 7,533 7.138 39,184 63,816 57,527 99,475 217 74,107 70,851 473,389 637,861 SUPPORT COSTS Premises Costs Management Finance Charitable Activity 18,266 19,112 Other Overheads Governance costs Totsls Charitable Activity 5,280 99,100 Page 46 ontinued...

SURVIVORS FUIYD (SURF) NOTES TO THE FINANCIAL STATEMENTS - eontinued FOR THE YEAR EIYDED 31 DECEMBER 2023 NET INCOMEI(EXPENDITURE) Net income/(expenditure) is stated after chargingl(crediting): 31.12,23 31.12.22 Auditors, remuneration Depreciation - owi]ed assets 5,280 8,680 5,021 10,997 TRUSTEES, REMUPIERATION AND BENEFITS There were no Irustees, remuneration or other benefits for the year ended 31 December 2023 nor for the year ended 31 December 2022. Trustees, expenses There were no trustees, expenses paid for the year ended 31 De¢emb¢r 2023 nor for the year ended 31 December 2022. 10. STAFF COSTS 31.12.23 31.12.22 Wages and salaries Social security Costs 42,986 5,141 58,088 5,983 48,127 64.071 The average monthly number of employees during the y¢aT was as follows". 31.12.23 31.12.22 Charitable Activities Management and Administration No employees received emoluments in excess of £60,000. Page 47 continued..

SURVIVORS FUIYD (SURF) NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2023 11. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES 31.12.2022 Unrestricted Restricted Total fund fund funds INCOME AND ENDOWMENTS FROM Donations 33,720 58,253 91,973 Charltable actfvl¢fjes Charitable Activity 41,494 530,183 571,677 Other Incoming Resources 4,793 62,468 67,261 Total 80,007 650,904 730,911 EXPENDITURE ON Charltable aetivities Charitable Activity 66,549 730,506 797.055 NET INCOMEI(EXPENDITURE) 13,458 (79,602) (66,144) RECONCILIATION OF FUNDS Total funds brought forward 86,236 153,428 239,664 TOTAL FUNDS CARRIED FORWARD 99,694 73,826 173,520 12. KEY MANAGEMENT PERSONNEL The Key Management Personnel comprised of the Board of Trustees. Page 48 continued...

SURVIVORS FUND (SURF) IYOTES TO THE FIIYANCIAL STATEMENTS - continued FOR THE YEAR EI¥DED 31 DECEMBER 2023 13. TANGIBLE FIXED ASSETS Leasehold Plant and Land rnachin¢ry Motor vehicles Totals COST At l January 2023 Exchange differences 14032 (2,781) 75,798 (1,869) 12,730 (1,089) 103J60 (5,739) At 31 December 2023 12,051 73,929 11,641 97,621 DEPRECIATION At l January 2023 Charge for year 963 53,803 6,049 7,046 2,631 61,812 8,680 At 31 December 2023 963 59,852 9,677 70,492 NET BOOKVALUE At 31 December 2023 11,088 14,077 1,964 27,129 At 31 December 2022 13,869 21,995 5.684 41,548 14. DEBTORS: AMOUNTS FALLING DUE WITHJN ONE YEAR 31.1223 31.12.22 Trad¢ debtors Other debtors 9,110 12,616 23,126 23,126 21,726 15. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR 31.12.23 31.12.22 Social se¢urity and other taxes Other creditors 5,008 23,205 3,086 25,589 28,213 28,675 Page 49 continued...

SURVIVORS FUND (SURF) NOTES TO THE FINANCIAL STATEMEIYTS - continued FOR THE YEAR EIYDED 31 DECEMBER 2023 16. ANALYSTS OF NET ASSETS BETWEEN FUIIDS 31.12.23 Total funds 31.12.22 Total funds Unrestricted Restricted fund fund Fixed assets Current assets Current liabilities 13,052 40,813 (28,213) 14,077 39,622 27,129 80,435 (28,213) 41,548 160,647 (28,675} 25,652 53,699 79J51 173,520 17. MOVEMENT IN FUNDS Net movement in funds At 31112123 At 111123 Unrejtrlcted funds General fund 99,694 (74,IM2) 25.652 Restricted fund8 Restricted Funds 73,826 (20,127) 53,699 TOTAL FUNDS 173,520 (94,169) 79J51 Net movement in funds, included in the above are as follows: Incoming R¢sources Movernent r¢sources expended in funds Unrejtrieted fuDds General fund 35,259 (109JOI) (74,042) Restricted funds Restricted Funds 501,172 (521,299} (20,127) TOTAL FUNDS 536,431 (630,61)0) (94,169) Page 50 continued...

sUR￿VORs FUND (SURF) NOTES TO THE FINANCIAL STATEMENTS - Continued FOR THE YEAR ENDED 31 DECEMBER 2023 17. MOVEMENT IN FUNDS - continued ComparAtlves for movement ID funds Net movement in funds At 31112122 At 111122 Unrestricted fundg General fund 86,236 13,458 99,694 Restrleted funds Restricted Funds 153,428 (79,602) 73,826 TOTAL FUTIDS 239,664 (66,144) 173,520 Comparative net movement in fLfftds, included in the above a￿ as follows: Incoming Resources Movement resources expended in funds Unrestricted funds General fund 80,007 (66,549) 13,458 Rejlricted funds Restricled Funds 650.904 (730,506) (79,602) TOTAL FUNDS 730,911 (797,055) (66,144) Anatysis of Restrieted Reservej 31.12.2023 31.12.2022 Youth Economic Empowernient Project (YEEP) 53,699 73,826 53,699 73,826 Page 51 continued...

SURVIVORS FUND (SURFI NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2023 18. RELATED PARTY DISCLOSURES David Russell who is the Company Secretary of SURF, is also the Chair of Nthork for Africa and Charitie5 Advisory Trust. I)uring the year donations totalling £46,004 (2022.. £37,426) were received from Network for Africa and £45,899 (2022: £70,807) from Charities Advisory Trust. During the year, the Trustee5 donated £12,416 (2022: £2,335) to the organisation. During the year. SURF donated £20,8(M) {2022: £12,307) towards the construction of Philly's Place Children's Centre in Rwanda. The building is currently owned by a member of the board of trustees, with a deed of trust that on her deaih th¢ lan<L property and all assets in the building will b¢ transferred to Survivors Fund (SURF). 19. LEGAL STATUS OF THE TRUST The charity is a company limited by guarantee and has no share capital. 20. WINDING UP OR DISSOLUTION OF THE CHARITY If upon winding up or dissolulion of the charity. there remain any assets, after the satisfaction of all debts and liabilities, the assets represented by the accumulated fund shall be transferred to some other charitable body or bodies having similar objects to the charity. Page 52