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2024-04-05-accounts

Charity number: 1097209

THE CYRIL & EVE JUMBO CHARITABLE TRUST

UNAUDITED

TRUSTEES' REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 5 APRIL 2024

THE CYRIL & EVE JUMBO CHARITABLE TRUST

CONTENTS
Page
Reference and Administrative Details of the Charity, its Trustees and Advisers 1
Trustees' Report 2 - 4
Independent Examiner's Report 5
Statement of Financial Activities 6
Balance Sheet 7
Notes to the Financial Statements 8 - 18

THE CYRIL & EVE JUMBO CHARITABLE TRUST

REFERENCE AND ADMINISTRATIVE DETAILS OF THE CHARITY, ITS TRUSTEES AND ADVISERS FOR THE YEAR ENDED 5 APRIL 2024

Trustees G A Margolis, Chair
R A Hayat
L Margolis
E Engulu
Charity registered
number
1097209
Principal office
Third Floor
Julco House
26-28 Great Portland Street
London
W1W 8QT
Independent Examiner
Jake Lew FCA
BKL Audit LLP
35 Ballards Lane
London
N3 1XW
Bankers
Cannacord Genuity
88 Wood Street
London
EC2V 7QR
Natwest
1 Princess Street
London
EC2R 8BP

Page 1

THE CYRIL & EVE JUMBO CHARITABLE TRUST

TRUSTEES' REPORT FOR THE YEAR ENDED 5 APRIL 2024

The Trustees present their annual report together with the financial statements of the The Cyril & Eve Jumbo Charitable Trust for the 6 April 2023 to 5 April 2024. 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) (effective 1 January 2019).

Objectives and activities

a. Policies and objectives

In setting objectives and planning for activities, the Trustees have given due consideration to general guidance published by the Charity Commission relating to public benefit, including the guidance 'Public benefit: running a charity (PB2)'.

b. Activities undertaken to achieve objectives

The Charity undertakes to give grants in line with its governing document to any other charity as the Trustees see fit..

c. Main activities undertaken to further the Charity's purposes for the public benefit

The activity of grant making to other charitable entities as decided by the Trustees furthers the Charity's purposes for the public benefit.

d. Investment decisions

The Trustees make investment decisions which balance the protection of the Trust's capital and generating sufficient investment income. Risks are mitigated by the appointment of professional managing agents to manage the investment properties and professional wealth managers to advise and manage the investment of funds in bonds and other securities.

e. Grantmaking decisions

Grants are awarded to charities and causes which are known to the trustees or have been recommended to them by trusted colleagues. The trustees direct charitable awards and grants toward known causes and where outcomes are measurable. Feedback and follow-ups are always requested from the recipient Charities and where possible visits from the trustees are carried out to assess the outcomes and ensure awards are being used for the intended purpose.

f. Grant making policy

Applications can be submitted to the Trustees by charitable institutions and these applications are considered by the Trustees on a regular basis. Applications should be in writing and incorporate full details of the Charity and the cause for which funding is requested.

Achievements and performance

Page 2

THE CYRIL & EVE JUMBO CHARITABLE TRUST

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 5 APRIL 2024

Achievements and performance (continued)

a. Main achievements of the Charity

The Trustees have continued to support other charities as per it's Trust Deed and there are no immediate plans to alter the way in which the income is applied to charitable causes. Donations totaling £192,598 were made in the year (2023: £344,631).

Financial review

a. Going concern

After making appropriate enquiries, the Trustees have a reasonable expectation that the Charity has adequate resources to continue in operational existence for the foreseeable future. For this reason, they continue to adopt the going concern basis in preparing the financial statements. Further details regarding the adoption of the going concern basis can be found in the accounting policies.

b. Reserves policy

All of the charity's funds held at 5 April 2024 amounted to £1,696,527 (2023: £1,765,858) are general unrestricted funds which are expendable at the discretion of the Trustees in furtherance of the objectives of the charity.

As the charity does not currently seek funding but uses its resources to provide funding for the furtherance of its objectives, it is the Trustees' policy to maintain the charity's reserves at a sufficient level to enable it to continue to provide such funding in future years. This is monitored on a regular basis by the Trustees, who review the level of reserves in the light of future funding requirements.

The Trust's investment properties are managed by METRUS in consultation with the Trustees. The Trustees agreed that there had been no material change in the properties' values and therefore kept them at the values agreed at 5 April 2016 revaluation.

c. Future plans

The Trustees intend to continue providing grants in a similar way to the recent past but retaining flexibility as to the timing and scale of grant making.

Structure, governance and management

a. Constitution

The Cyril & Eve Jumbo Charitable Trust is a registered charity, number 1097209, and is constituted under a Trust deed.

b. Methods of appointment or election of Trustees

Trustees are recruited to ensure that there is an appropriate range of skills and experience on the board. When a new trustee is appointed they are referred to Charity Commission Guidance on becoming a trustee and are also introduced to the policies, procedures and systems within the charity.

Page 3

THE CYRIL & EVE JUMBO CHARITABLE TRUST

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 5 APRIL 2024

Statement of Trustees' responsibilities

The Trustees are responsible for preparing the Trustees' Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England & Wales requires the Trustees to prepare financial statements for each financial which give a true and fair view of the state of affairs of the Charity and of its incoming resources and application of resources, including its income and expenditure, for that period. In preparing these financial statements, the Trustees are required to:

The Trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the Charity's transactions and disclose with reasonable accuracy at any time the financial position of the Charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008 and the provisions of the Trust deed. They are also responsible for safeguarding the assets of the Charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Approved by order of the members of the board of Trustees and signed on their behalf by:

Rafiq Hayat

................................................

R A Hayat (Trustee) Date: 17/12/2024

Page 4

THE CYRIL & EVE JUMBO CHARITABLE TRUST

INDEPENDENT EXAMINER'S REPORT FOR THE YEAR ENDED 5 APRIL 2024

Independent Examiner's Report to the Trustees of The Cyril & Eve Jumbo Charitable Trust ('the Charity')

I report to the charity Trustees on my examination of the accounts of the Charity for the year ended 5 April 2024.

Responsibilities and Basis of Report

As the Trustees of the Charity you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the 2011 Act').

I report in respect of my examination of the Charity's accounts carried out under section 145 of the 2011 Act and in carrying out my examination I have followed the applicable Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

Independent Examiner's Statement

I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the Charity as required by section 130 of the 2011 Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a 'true and fair' view which is not a matter considered as part of an independent examination.

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

This report is made solely to the Charity's Trustees, as a body, in accordance with Part 4 of the Charities (Accounts and Reports) Regulations 2008. My work has been undertaken so that I might state to the Charity's Trustees those matters I am required to state to them in an Independent Examiner's Report and for no other purpose. To the fullest extent permitted by law, I do not accept or assume responsibility to anyone other than the Charity and the Charity's Trustees as a body, for my work or for this report.

Signed: Jake Lew Dated: 17/12/2024

Jake Lew FCA

BKL Audit LLP 35 Ballards Lane London N3 1XW

Page 5

THE CYRIL & EVE JUMBO CHARITABLE TRUST

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 5 APRIL 2024

Note
Income from:
Donations and legacies
3
Investments
4
Total income
Expenditure on:
Charitable activities
7
Total expenditure
Net expenditure before net gains/(losses) on
investments
Net gains/(losses) on investments
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Net movement in funds
Total funds carried forward
Unrestricted
funds
2024
£
73,679
79,732
153,411
226,763
226,763
(73,352)
4,021
(69,331)
1,765,858
(69,331)
1,696,527
Total
funds
2024
£
73,679
79,732
153,411
226,763
226,763
(73,352)
4,021
(69,331)
1,765,858
(69,331)
1,696,527
Total
funds
2023
£
161,851
84,769
246,620
351,422
351,422
(104,802)
(11,968)
(116,770)
1,882,628
(116,770)
1,765,858

The Statement of Financial Activities includes all gains and losses recognised in the year.

The notes on pages 8 to 18 form part of these financial statements.

Page 6

THE CYRIL & EVE JUMBO CHARITABLE TRUST

BALANCE SHEET AS AT 5 APRIL 2024

Note
Fixed assets
Investments
11
Investment property
12
Current assets
Debtors
13
Cash at bank and in hand
Creditors: amounts falling due within one
year
14
Net current liabilities
Total assets less current liabilities
Net assets excluding pension asset
Total net assets
Charity funds
Restricted funds
15
Unrestricted funds
15
Total funds
268,246
42,260
310,506
(711,489)
2024
£
627,285
1,470,225
2,097,510
(400,983)
1,696,527
1,696,527
1,696,527
-
1,696,527
1,696,527
309,466
55,005
364,471
(711,672)
2023
£
642,834
1,470,225
2,113,059
(347,201)
1,765,858
1,765,858
1,765,858
-
1,765,858
1,765,858

The financial statements were approved and authorised for issue by the Trustees and signed on their behalf by:

Rafiq Hayat

................................................ R A Hayat (Trustee) Date: 17/12/2024

The notes on pages 8 to 18 form part of these financial statements.

Page 7

THE CYRIL & EVE JUMBO CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 5 APRIL 2024

1. General information

The Cyril & Eve Jumbo Charitable Trust is an unincorporated charity that was registered with the charity commission on the 25th April 2003.

2. Accounting policies

2.1 Basis of preparation of financial statements

The financial statements 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 1 January 2019), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Charities Act 2011.

The Cyril & Eve Jumbo Charitable Trust meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy.

2.2 Income

All income is recognised once the Charity has entitlement to the income, it is probable that the income will be received and the amount of income receivable can be measured reliably.

2.3 Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Grants payable are charged in the year when the offer is made except in those cases where the offer is conditional, such grants being recognised as expenditure when the conditions attaching are fulfilled. Grants offered subject to conditions which have not been met at the year end are noted as a commitment, but not accrued as expenditure.

Grants offered subject to conditions which have not been met at the year end date are noted as a commitment but not accrued as expenditure.

2.4 Investments

Fixed asset investments are a form of financial instrument and are initially recognised at their transaction cost and subsequently measured at fair value at the Balance Sheet date, unless the value cannot be measured reliably in which case it is measured at cost less impairment. Investment gains and losses, whether realised or unrealised, are combined and presented as ‘Gains/(Losses) on investments’ in the Statement of Financial Activities.

2.5 Investment property

Investment property is shown at most recent valuation. Any aggregate surplus or deficit arising from changes in fair value is recognised in the Statement of Financial Activities.

Page 8

THE CYRIL & EVE JUMBO CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 5 APRIL 2024

2. Accounting policies (continued)

2.6 Debtors

Trade and other debtors are recognised at the settlement amount after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

2.7 Cash at bank and in hand

Cash at bank and in hand includes cash and short-term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the deposit or similar account.

2.8 Liabilities and provisions

Liabilities are recognised when there is an obligation at the Balance Sheet date as a result of a past event, it is probable that a transfer of economic benefit will be required in settlement, and the amount of the settlement can be estimated reliably.

Liabilities are recognised at the amount that the Charity anticipates it will pay to settle the debt or the amount it has received as advanced payments for the goods or services it must provide.

2.9 Financial instruments

The Charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value.

2.10 Fund accounting

General funds are unrestricted funds which are available for use at the discretion of the Trustees in furtherance of the general objectives of the Charity and which have not been designated for other purposes.

Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the Charity for particular purposes. The costs of raising and administering such funds are charged against the specific fund.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

Investment income, gains and losses are allocated to the appropriate fund.

3. Income from donations and legacies

Unrestricted Total
funds funds
2024 2024
£ £
Donations 73,679 73,679

Page 9

THE CYRIL & EVE JUMBO CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 5 APRIL 2024

3. Income from donations and legacies (continued)

Unrestricted Total
funds funds
2023 2023
£ £
Donations 161,851 161,851

4. Investment income

Unrestricted
funds
2024
£
Rents received
78,671
Interest
1,061
79,732
Unrestricted
funds
2023
£
Rents received
80,649
Interest
4,120
84,769
Analysis of grants
Grants to
Institutions
2024
£
Supporting good causes
192,598
Total
funds
2024
£
78,671
1,061
79,732
Total
funds
2023
£
80,649
4,120
84,769
Total
funds
2024
£
192,598

5. Analysis of grants

Page 10

THE CYRIL & EVE JUMBO CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 5 APRIL 2024

5. Analysis of grants (continued)

Grants to
Institutions
2023
£
Supporting good causes
344,631
The Charity has made the following material grants to institutions during the year:
2024
£
Name of institution
Action for Kids
-
ASPIRE
17,200
Literacy Pirates
22,500
Promise Works
32,500
Send a Cow
-
World Jewish Relief
7,500
Collage Arts
4,583
Finchley Jewish Primary School Trust
-
Forest School Camp
3,750
Jewish Care
-
MSF
15,000
St Mungo
10,125
TZEDEK
-
Lymphoma Action
-
ENT UK
-
JW3 Development
2,000
Scene & Heard
5,000
Ahmadiyya Muslim Association United Kingdom
-
Humanity First UK
5,000
Grief Encounter
11,213
136,371
Other grants to institutions
56,227
192,598
Total
funds
2023
£
344,631
2023
£
31,170
17,200
30,000
27,500
15,000
38,750
13,590
20,000
15,481
22,534
15,000
10,399
12,500
7,500
10,000
5,000
5,000
10,000
11,000
7,475
325,099
19,532
344,631

Page 11

THE CYRIL & EVE JUMBO CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 5 APRIL 2024

6. Other grants to institutions

Adele School for Special Children
Chabad Lubavitch Centre NE London and Essex Limited
Chabad Lubavitch UK
Food Bank Aid
Jackson’s Lane
Norwood Ravenswood
Pembroke Road Church
Prostate Cancer UK
St John Hospice Antigua
Target Ovarian Cancer
The Christie Charitable Fund
The Little Princess Trust
The Save The Children Fund
Victa Children Ltd
Kids
Chabad Lubavitch Bricket Wood & Districts
Ripple Effect International
March of The Living (UK) Limited
Camberwell After School Project
Chilterns Neuro Centre Ltd
Others
NALA Foundation Ltd
The Selby Trust
Fitzroy Support
Soukya Foundation Charitable Trust
2024
£
-
1,000
1,000
-
2,500
-
-
-
-
-
-
-
-
-
-
1,000
15,000
8,333
3,750
3,101
1,940
7,000
2,000
9,000
1,604
57,228
2023
£
3,120
1,000
1,000
1,000
2,500
4,233
200
500
3,150
1,000
200
129
500
500
500
-
-
-
-
-
-
-
-
-
-
19,532
7. Analysis of expenditure on charitable activities
Summary by fund type
Unrestricted
funds Total
2024 2024
£ £
Supporting good causes 226,763 226,763

Page 12

THE CYRIL & EVE JUMBO CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 5 APRIL 2024

7. Analysis of expenditure on charitable activities (continued)

Summary by fund type (continued)

Unrestricted
funds Total
2023 2023
£ £
Supporting good causes 351,422 351,422

8. Analysis of expenditure by activities

Supporting good causes
Supporting good causes
Grant
funding of
activities
2024
£
192,598
Grant
funding of
activities
2023
£
344,631
Support
costs
2024
£
34,165
Support
costs
2023
£
6,791
Total
funds
2024
£
226,763
Total
funds
2023
£
351,422

Page 13

THE CYRIL & EVE JUMBO CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 5 APRIL 2024

8. Analysis of expenditure by activities (continued)

Analysis of support costs

Insurance
Legal and professional fees
Governance costs
Bank Charges
Others
Supporting
good
causes
2024
£
712
2,758
1,650
124
28,921
34,165
Total
funds
2024
£
712
2,758
1,650
124
28,921
34,165

Governance costs are comprised entirely of the independent examination fee for the year.

9.

Legal and professional fees
Governance costs
Bank Charges
Others
Independent examiner's remuneration
Fees payable to the Charity's independent examiner for the preparation and
independent examination of the Charity's annual accounts
Supporting
good causes
2023
£
2,484
1,850
197
2,260
6,791
2024
£
1,650
Total
funds
2023
£
2,484
1,850
197
2,260
6,791
2023
£
1,850

Page 14

THE CYRIL & EVE JUMBO CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 5 APRIL 2024

10. Trustees' remuneration and expenses

During the year, no Trustees received any remuneration or other benefits (2023 - £NIL) .

During the year ended 5 April 2024, no Trustee expenses have been incurred (2023 - £NIL) .

11. Fixed asset investments

Cost or valuation
At 6 April 2023
Additions
Disposals
Revaluations
At 5 April 2024
Net book value
At 5 April 2024
At 5 April 2023
12.
Investment property
Valuation
At 6 April 2023
At 5 April 2024
Unlisted
investments
£
39,995
-
-
-
39,995
39,995
39,995
Listed
investments
£
602,839
22,605
(36,703)
(1,451)
587,290
587,290
602,839
Total
£
642,834
22,605
(36,703)
(1,451)
627,285
627,285
642,834
Freehold
investment
property
£
1,470,225
1,470,225

The property was valued in 2016 by a qualified professional and the Trustees deem that the value of the property has not materially changed since then.

Page 15

THE CYRIL & EVE JUMBO CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 5 APRIL 2024

13. Debtors

Due within one year
Amounts owed by group undertakings
Other debtors
Accrued income
VAT recoverable
2024
£
237,730
10,621
19,895
-
268,246
2023
£
247,877
12,716
19,851
29,022
309,466

14. Creditors: Amounts falling due within one year

Amounts owed to group undertakings
Other creditors
Accruals and deferred income
2024
£
707,195
312
3,982
711,489
2023
£
708,967
312
2,393
711,672

Amount owed to group undertaking is payable to JumboLand Properties Inc. in respect of loan taken during the year. This loan is unsecured, interest free and payable on demand.

Page 16

THE CYRIL & EVE JUMBO CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 5 APRIL 2024

15. Statement of funds

Statement of funds - current year

Balance at 6 Balance at 6 Gains/ Balance at 5
April 2023 Income Expenditure (Losses) April 2024
£ £ £ £ £
Unrestricted funds
General Funds - all funds 1,765,858 152,370 (226,763) 5,062 1,696,527
Statement of funds - prior year
Balance at Gains/ Balance at
1 April 2022 Income Expenditure (Losses) 5 April 2023
£ £ £ £ £
Unrestricted funds
General Funds - all funds 1,882,628 246,620 (351,422) (11,968) 1,765,858
Summary of funds
Summary of funds - current year
Balance at 6 Gains/ Balance at 5
April 2023 Income Expenditure (Losses) April 2024
£ £ £ £ £
General funds 1,765,858 152,370 (226,763) 5,062 1,696,527
Summary of funds - prior year
Balance at Gains/ Balance at
1 April 2022 Income Expenditure (Losses) 5 April 2023
£ £ £ £ £
General funds 1,882,628 246,620 (351,422) (11,968) 1,765,858

16. Summary of funds

Page 17

THE CYRIL & EVE JUMBO CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 5 APRIL 2024

17. Analysis of net assets between funds

Analysis of net assets between funds - current period

Unrestricted
funds
2024
£
Fixed asset investments
627,285
Investment property
1,470,225
Current assets
310,506
Creditors due within one year
(711,489)
Total
1,696,527
Total
funds
2024
£
627,285
1,470,225
310,506
(711,489)
1,696,527

Analysis of net assets between funds - prior period

Fixed asset investments
Investment property
Current assets
Creditors due within one year
Total
Unrestricted
funds
2023
£
642,834
1,470,225
364,471
(711,672)
1,765,858
Total
funds
2023
£
642,834
1,470,225
364,471
(711,672)
1,765,858

18. Related party transactions

JumboLand Properties Inc. and Seven Dunes Ltd. are related parties by virtue of the fact that they are subject to 100% direct and indirect ownership by The Cyril & Eve Jumbo Charitable Trust.

Included within creditors is an amount owed to JumboLand Properties Inc in respect of loan taken to the value of £707,195 (2023: £708,967). This loan is unsecured, interest free and payable on demand.

Included within debtors is £213,226 (2023: £232,781) owed from Jumbo Land Properties Inc.

Included within debtors is £24,504 (2023: 15,096) owed from Seven Dunes Ltd.

Page 18

2024 Accounts Pack - The Cyril & Eve Jumbo Charitable Trust

Final Audit Report

2024-12-17

Created: 2024-12-17 By: Cheryl Herbertson (Cheryl.Herbertson@bkl.co.uk) Status: Signed Transaction ID: CBJCHBCAABAAtbPZxMKz2f6ylIwZTEjdtl18udZPakBi

"2024 Accounts Pack - The Cyril & Eve Jumbo Charitable Trust" History

Document created by Cheryl Herbertson (Cheryl.Herbertson@bkl.co.uk)

2024-12-17 - 12:21:06 GMT- IP address: 31.121.171.20

Document emailed to Rafiq Hayat (rahayat@mjw13.com) for signature

2024-12-17 - 12:22:42 GMT

Email viewed by Rafiq Hayat (rahayat@mjw13.com)

2024-12-17 - 17:14:00 GMT- IP address: 51.52.153.106

Document e-signed by Rafiq Hayat (rahayat@mjw13.com)

Signature Date: 2024-12-17 - 17:17:06 GMT - Time Source: server- IP address: 51.52.153.106

Document emailed to Jake Lew (Jake.Lew@bkl.co.uk) for signature

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Email viewed by Jake Lew (Jake.Lew@bkl.co.uk)

2024-12-17 - 17:18:01 GMT- IP address: 104.47.11.62

Document e-signed by Jake Lew (Jake.Lew@bkl.co.uk)

Signature Date: 2024-12-17 - 17:18:09 GMT - Time Source: server- IP address: 31.121.171.20

Agreement completed.

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