OpenCharities

This text was generated using OCR and may contain errors. Check the original PDF to see the document submitted to the regulator.

2024-03-31-accounts

Registration number: 03619629 Charity number: 1097218

CAMBRIDGE ONLINE (A Company Limited by Guarantee)

Report and Unaudited Financial Statements

For The Year Ended 31 March 2024

Mansell & Co Chartered Certified Accountants 5 Ducketts Wharf South Street Hertfordshire CM23 3AR

CAMBRIDGE ONLINE (A Company Limited by Guarantee)

Contents

Page
Reference and Administration Information 1
T
Annual Report
2-5
Independent Examiners Report 6-7
Statement of Financial Activities 8
Balance Sheet 9
Notes to the Unaudited Financial Statements 10-16

CAMBRIDGE ONLINE

(A Company Limited by Guarantee)

Reference and Administration Information

Trustees

Andrew Baird - Chair Gary Dew Jonathan Horden Anne Campbell

Company secretary

Rose Charlton-Peel (Resigned 12/07/2024)

Chief executive officer

Rose Charlton-Peel (Resigned 12/07/2024)

Company registration number 03619629

Charity registration number 1097218

Registered office

Allia Future Business Centre

Cambridge CB4 2HY

Website www.cambridgeonline.org.uk

Bankers

Metro Bank Plc Cambridge CB2 3BZ

Independent examiner

Wilton Lyndon Ltd T/A Mansell & Co. Chartered Certified Accountants 5 Ducketts Wharf South Street Herts CM23 3AR

Page 1

CAMBRIDGE ONLINE

(A Company Limited by Guarantee)

Annual Report for the Year Ended 31 March 2024

The Trustees, who are also directors of the charity for the purposes of the Companies Act, present their annual report together with the financial statements of the charity for the year 1 April 2023 to 31 March 2024. The Trustees confirm that the Annual Report and financial statements of the charitable company comply with the provisions of the Statement of Recommended Practice (SORP), applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2015) as amended by Update bulletin (effective 1 January 2015).

Since the charitable company qualifies as small under section 383, the strategic report required of medium and not required.

The Trustees, who are also the directors for the purpose of Company Law, and who served during the year were:

Andrew Baird - Chair Gary Dew Jonathan Horden Karen Hunt (resigned 05/04/2024) Ronald Moore (resigned 13/02/2024) Anne Campbell

Structure, governance and management

a. Constitution

The charity is controlled by its governing document, memorandum and articles of association, and constitutes a limited company, limited by guarantee, as defined by the Companies Act 2006.

b. Method of appointment or election of Trustees

The Board of Trustees carries out regular reviews to identify any gaps in the knowledge and experience of our Board needs to further Cambridge Online work. Potential new trustees are required to submit an application form, and if taken forward they are then invited to attend a Board meeting, following which they attend an interview, and if both parties are happy and willing to continue, their application is submitted to the next scheduled trustees meeting for confirmation of appointment. Induction involves a tour of the premises, attending meetings with beneficiaries, staff and other key stakeholders. New trustees are provided with access to relevant policy and procedure documents that are appropriate to the role they undertake as trustees.

c. Organisational structure

The charity has a board of trustees who meet monthly and are responsible for its strategic direction and policy. A chief executive is appointed by the trustees to manage the day-to-day operations of the charity.

d. Risk management

The trustees are conducting their own review of the major risks to which the charity is exposed, and as part of this process, they are implementing a risk management strategy comprising:

Page 2

CAMBRIDGE ONLINE

(A Company Limited by Guarantee)

Report for the Year Ended 31 March 2024

Objectives and Activities

a. Policies and objectives

Cambridge Online is an educational charity working across Cambridgeshire and the East of England helping disadvantaged (including disabled) people use computers and digital devices by providing education, training and advice to individuals and groups. Our aim is to broaden digital awareness and to raise levels of digital inclusion.

b. Public benefit

Cambridge Online will continue to take its responsibilities of ensuring that its charitable activities contribute a great deal to the lives of those within Cambridge and the overall area of benefit. With reference to the Charites Act 2006 all our charitable activities are directed towards having a lifelong impact on the local area and these activities are undertaken to further our charitable purposes for the public benefit. The Trustees confirm that they have referred to the guidance contained in the Charity Commi

Achievements and performance

The year ended 31 March 2024 continued the growth in numbers both within the training centre and out in the community with the provision of additional funding to undertake Digital Inclusion Projects for all age groups and social needs.

Throughout the year we continued our model of distributing data and devices to people in need throughout Cambridgeshire. We relied on special grants from Cambridge City Council and South Cambridgeshire District Council which allowed us to distribute new laptops, computer tablets and internet connections to their citizens. We also received donated equipment which we refurbished and distributed throughout Cambridgeshire and Peterborough.

We worked with the NHS and other funders to provide Digital health plans for those with health concerns and to those who are housebound, allowing our clients to have input managing their own health condition. We Homeless Charities, Timebanks and Schools and many more. Our philosophy is that by forging relationships with like-minded groups and working together we can create better awareness and support more people in need within our community.

Financial review

We were fortunate to receive continuing generous grant support from Cambridge City Council towards our core operating costs and activities with the community. In addition, we received grants from Cambridge City Council and South Cambridgeshire District Council to purchase and distribute digital devices and data to people in need. We also received a grant from the NHS for project-based community support and some donations from other generous funders enabling us to continue the trend of the last few years. We are happy to report that we end this year in a very healthy and stable financial position.

Reserves policy

Cambridge Online recognises that it has a a duty to ensure that sufficient reserves are maintained to cover its commitments. The commitments and reserves are reviewed annually with trustees agreeing an estimate of reserves needed to cover long term sick pay, redundancy, and items not covered by insurance. We ended the year with a deficit of £7,005 on unrestricted reserves.

Page 3

CAMBRIDGE ONLINE

(A Company Limited by Guarantee)

Report for the Year Ended 31 March 2024

Current year overview and plans for the future

Cambridge Online have been working hard towards developing a strong client base both within the Hester Adrian Centre as well as in the community. We have expanded our working partnerships and our collaboration base, working with the City Council, the County Council, NHS, Microsoft, Arm and other worthwhile charities and organisations, all working together to develop digital inclusion for those in need across Cambridgeshire and we thank them very much for their generosity.

providing free data to refugees and the homeless and others who require data in order to use their device. We have delivered workshops to support refugees, assisted people with CV writing and job application cover letters, interview skills and tips as well as job searching. We provided assistive workshops for those with disabilities to get online using various tools for support. We provided Puzzle Club for those just wanting social interaction and using devices for fun, supporting building friendships and developing positive mental health, reducing loneliness and isolation.

We have started working with children for the first time - running 3 youth projects, plus allowing young people to attend workshops within our centre. Our youngest client is 5 years old and our oldest is 97 years young all working towards improving their digital skills.

This past year has been particularly busy with regards to outreach work for Cambridge Online. Our NHS project involved hosting community-based sessions both at GP surgeries and in community centres, helping clients: download and use the NHS app, learn digital skills to help reduce social isolation and improve wellbeing in oneto-one sessions in their own homes, or assist clients in finding appropriate online resources for the self-care of their type 2 diabetes in community-based health hubs. Cambridge Online also attended the Diabetes UK day in

Other non-health events include the Tech Tea Roadshow (providing clients with basic digital skills alongside laptops for learning).

Elderly sessions started in several locations across the city and with the assistance of volunteers. Elderly residents have been provided with digital life skills, such as online banking, social media, online shopping, digital health, online safety and information specific to enquiries regarding using their own devices.

We started digital life skills session for people who are homeless or in emergency housing at Wintercomfort support hub followed up with sessions in the Huntingdon locality, from May.

Page 4

CAMBRIDGE ONLINE

(A Company Limited by Guarantee)

Report for the Year Ended 31 March 2024

The Trustees (who are also the directors of the charity for the purposes of company law) are responsible for Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law requires the Trustees to prepare financial statements for each financial year. Under company law, the Trustees must not approve the financial statements unless they are satisfied that they 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 enable them to ensure that the financial statements comply with the Companies Act 2006. 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 on and signed on their behalf by:

Andrew Baird

Andrew Baird (Dec 13, 2024 15:45 GMT)

Andrew Baird Chair

Page 5

CAMBRIDGE ONLINE

(A Company Limited by Guarantee)

Unqualified Report

for the Year Ended 31 March 2024

trustees of Cambridge Online

I report to the trustees (who are also Directors for the purpose of company law) on my examination of the financial statements of Cambridge Online 31 March 2024 which comprise the Statement of Financial Activities, the Balance Sheet and related notes.

state to them in this report and for no other purpose. To the fullest extent permitted by law, I do not accept or report, or for the opinions I have formed.

Responsibilities and basis of report

As the trustees of charitable company you are responsible for the preparation of the financial statements in

Having satisfied myself that the financial statements of the charitable company are not required to be audited under Part 16 of the Act and are eligible for independent examination, I report in respect of my examination of I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

An independent examination does not involve gathering all the evidence that would be required in an audit and consequently does not cover all the matters that an auditor considers in giving their opinion on the financial statements. The planning and conduct of an audit goes beyond the limited assurance that an independent pecific matters set ou

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

Page 6

CAMBRIDGE ONLINE (A Company Limited by Guarantee)

Report for the Year Ended 31 March 2024

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 financial statements to be reached.

Stephen Pinder Stephen Pinder (Dec 13, 2024 15:49 GMT)

Stephen Pinder FCCA MAAT Mansell & Co Chartered Certified Accountants 5 Ducketts Wharf South Street Bishop's Stortford Hertfordshire CM23 3AR

Date:

Page 7

CAMBRIDGE ONLINE (A Company Limited by Guarantee)

Statement of Financial Activities (including Income & Expenditure Account)

for the Year Ended 31 March 2024

Income from:
Donations
Grants
Total income
Expenditure on:
Charitable activities
Total expenditure
Net income / (expenditure)
Transfers between funds
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Total funds carried forward
31.03.24
31.03.23
Unrestricted
Restricted
Total
Total
funds
funds
funds
funds
Notes
£
£
£
£
2
14,311
-
14,311
3,098
3
-
_
72,681
_
72,681
_
77,949
_
14,311
_
72,681
_
86,992
_
81,047
_
4
(2,811)
_
(98,869)
_
(101,680)
_
(84,397)
_
(2,811)
_
(98,869)
_
(101,680)
_
(84,397)
_
11,500
(26,188)
(14,688)
(3,350)
9
(30,223)
_
30,223
_
-
_
-
_
(18,723)
4,035
(14,688)
(3,350)
11,718
_
6,894
_
18,612
_
21,962
_
(7,005)
======
10,929
======
3,924
======
18,612
======

The above results were derived from continuing operations.

The charity has no recognised gains or losses for the year other than the results above.

Page 8

CAMBRIDGE ONLINE

(A Company Limited by Guarantee)

(Registration Number 03619629) Balance Sheet as at 31 March 2024

Current assets
Debtors
Cash at bank and in hand
Creditors:Amounts falling due within one year
Net current assets
Net assets
Charity funds
Unrestricted funds
Restricted funds
Total funds
2024
2023
Notes
£
£
£
£
7
2,960
-
3,267
_
20,421
_
6,227
20,421
8
(2,303)
_
(1,809)
_
3,924
_
18,612
_
3,924
======
18,612
======
9
(7,005)
11,718
10,929
_
6,894
_
3,924
======
18,612
======

For the financial year ending 31 March 2024 the charitable company was entitled to exemption from audit under section 477 of the Companies Act 2006.

Trustees

These financial statements have been prepared in accordance with the special provisions relating to charitable companies subject to the small companies regime within Part 15 of the Companies Act 2006.

Approved and authorised by the Board of Trustees on and signed on its behalf by:

Andrew Baird

Andrew Baird (Dec 13, 2024 15:45 GMT)

Andrew Baird Chair

Page 9

CAMBRIDGE ONLINE (A Company Limited by Guarantee)

Notes to the Unaudited Financial Statements for the Year Ended 31 March 2024

1. Accounting policies

Summary of significant accounting policies and key accounting estimates

The principle accounting policies applied in the preparation of these financial statements are set out below. These policies have been consistently applied to all the years presented, unless otherwise stated.

Statement of compliance

The charity is a public benefit entity and these financial statements have been prepared in accordance with the Charities SORP (FRS 102) applicable to charities, the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006.

Basis of preparation

The financial statements have been prepared using the historic cost convention except that as disclosed in the accounting policies certain items are shown at fair value.

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. The following policies are applied to particular categories of income:

Grants are included in the Statement of Financial Activities on a receivable basis. The balance of income received for specific purposes but not expended during the period is shown in the relevant funds on the Balance Sheet. Where income is received in advance of entitlement of receipt, its recognition is deferred and included in creditors as deferred income. Where entitlement occurs before income is received, the income is accrued.

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 costs 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.

Irrecoverable VAT is charged as a cost against the activity for which the expenditure was incurred.

Office equipment

Expenditure on office equipment is written off in the year in which it is incurred. The trustees are of the opinion that such expenditure has no commercial resale value and that in view of this and the nature of the organisation, such costs should not be capitalised.

Operating leases

Rentals applicable to operating leases where substantially all of the benefits and risks of ownership remain with the lessor, are charged against income as incurred.

Tax

The charity is exempt from corporation tax on its charitable activities.

Debtors

Trade and other debtors are recognised at the settlement amount. Prepayments are valued at the amount prepaid.

Cash and cash equivalents

Cash and cash equivalents comprise cash on hand and call deposits, and other short-term highly liquid investments that are readily convertible to a known amount of cash and are subject to an insignificant risk of change in value.

Page 10

CAMBRIDGE ONLINE (A Company Limited by Guarantee)

Notes to the Unaudited Financial Statements for the Year Ended 31 March 2024

Creditors

Creditors are recognised where the charity has a present obligation resulting from a past event that will result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors are recognised at their settlement amount.

Going concern

The trustees consider that there are no material uncertainties about the charitable company's ability to continue as a going concern.

The trustees do not consider that there are any sources of estimation uncertainty at the reporting date that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next reporting period.

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees.

Restricted funds can only be used for particular purposes within the objectives of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

Defined contribution pension obligation

A defined contribution plan is a pension plan under which fixed contributions are paid into a pension fund and the company has no legal or constructive obligation to pay further contributions even if the fund does not hold sufficient assets to pay all employees the benefits relating to employee service in the current and prior periods.

Contributions to defined contribution plans are recognised as employee benefit expense when they are due. If contribution payments exceed the contribution due for service, the excess is recognised as a prepayment.

2. Donations

General Reserves
Others under £1,000
31.03.24
31.03.23
Unrestricted
Restricted
Total
Total
funds
funds
funds
funds
£
£
£
£
11,500
-
11,500
-
2,811
-
2,811
3,098
14,311
-
14,311
3,098

Page 11

CAMBRIDGE ONLINE (A Company Limited by Guarantee)

Notes to the Unaudited Financial Statements for the Year Ended 31 March 2024

3. Grants

.
Grants
31.03.24 31.03.23
Unrestricted Restricted Total Total
funds funds funds funds
£ £ £ £
Cambridge City Council
Digital Inclusion Hub - 40,000 40,000 35,000
Digital Inclusion Support - - - 5,000
Covid Vaccine Programme - - - 5,551
United With Ukraine - - - 2,000
Warm Spaces - - - 1,000
Capacity Grant - - - 4,000
Good Things Foundation Grant - 2,000 2,000 2,000
SCDC
Devices
- - - 2,000
Arbury Road Surgery - 15,208 15,208 21,398
Clothworks Furniture Grant - 4,000 4,000 -
CCF - Microsoft - 8,025 8,025
Places for people - 1,448 1,448
Evelyn trust - 2,000 2,000 -
- 72,681 72,681 77,949
.
Total Resources
Expended
31.03.24 31.03.23
Charitable Governance Total Charitable Governance Total
activities costs Resources activities costs Resources
£ £ £ £ £ £
Salaries (Note 6) 85,940 85,940 66,901 66,901
Other costs 15,020 720 15,740 16,776 720 17,496
100,960 720 101,680 83,677 720 84,397

4. Total Resources Expended

5. 31 March 2023.

March 2024 nor for the year ended

March 2024 nor for the year ended 31 March 2023.

Key management personnel

The charity considers its key management personnel to consist of the Trustees and Chief Executive Officer. Key personnel remuneration consisted of gross pay £41,731 (2023: £37,920) contribution £1,005 (2023: £1,491).

Page 12

CAMBRIDGE ONLINE

(A Company Limited by Guarantee)

Notes to the Unaudited Financial Statements for the Year Ended 31 March 2024

6. Staff costs

6. Staff costs
2024
2023
Wages and salaries 83,603
65,222
Social security costs 795
-
Other pension costs 1,542
1,679
85,940
66,901
The average monthly number of employees during the year was as follows:

2024
2023
Full-time equivalents 5
4
No employee received emoluments in excess of £60,000.
7.
Debtors
Debtors: amounts falling due within one year
2024
2023
Accrued income 2,000
-
Other debtors 960
-
2,960
-
8.
Creditors
Creditors: amounts falling due within one year
2024
2023
£
£
Due within one year
Taxation and social security 1,049
721
Other creditors 534
368
Accruals 720
720
2,303
1,809

Page 13

CAMBRIDGE ONLINE (A Company Limited by Guarantee)

Notes to the Unaudited Financial Statements for the Year Ended 31 March 2024

9. Movement in funds

9.
Movement in funds
Balance at
Net
movement
Transfers
between
Balance at
01.04.23
in funds
funds
31.03.24
£
£
£
£
Unrestricted funds
General reserves 11,718
11,500
(30,223)
(7,005)
Others under £1,000 -
-
-
-
11,718
11,500
(30,223)
(7,005)
Restricted funds
Cambridge City Council
Digital inclusion hub
-
(30,892)
30,892
-
Cambridge City Council
Digital inclusion support
-
-
-
-
Cambridge City Council
Covid vaccine programme
-
-
-
-
Cambridge City Council
United with Ukraine
-
-
-
-
Cambridge City Council
Warm spaces
-
-
-
-
Cambridge City Council
Capacity grants
3,167
(3,128)
(39)
-
Good Things Foundation grant 1,567
366
(1,933)
-
South Cambs District Council
Devices
2,000
(2,013)
13
-
South Cambs District Council
Summer support grant
160
-
(160)
-
Arbury road surgery -
(1,450)
1,450
-
Clothworks Furniture Grant -
4,000
-
4,000
CCF - Microsoft -
3,481
-
3,481
Places for people -
1,448
-
1,448
Evelyn trust -
2,000
-
2,000
6,894
(26,188)
30,223
10,929
Total funds 18,612
(14,688)
-
3,924

Page 14

CAMBRIDGE ONLINE (A Company Limited by Guarantee)

Notes to the Unaudited Financial Statements for the Year Ended 31 March 2024

9. Movement in funds continued

Net movement in funds, included in the above are as follows:

Net movement in funds, included in the above are as follows:
Incoming
Resources
Net
movement
resources
expended
in funds
£

£
£
Unrestricted funds
General reserves 11,500
-
11,500
Others under £1,000 2,811
(2,811)
-
14,311
(2,811)
11,500
Restricted funds
Cambridge City Council
Digital inclusion hub
40,000
(70,892)
(30,892)
Cambridge City Council
Digital inclusion support
-
-
-
Cambridge City Council
Covid vaccine programme
-
-
-
Cambridge City Council
United with Ukraine
-
-
-
Cambridge City Council
Warm spaces
-
-
-
Cambridge City Council
Capacity grants
-
(3,127)
(3,127)
Good Things Foundation grant 2,000
(1,634)
366
South Cambs District Council
Devices
-
(2,013)
(2,013)
South Cambs District Council
Summer support grant
-
-
-
Arbury road surgery 15,208
(16,659)
(1,451)
Clothworks Furniture Grant 4,000
-
4,000
CCF - Microsoft 8,025
(4,544)
3,481
Places for people 1,448
-
1,448
Evelyn trust 2,000
-
2,000
72,681
(98,869)
(26,188)
Total funds 86,992
(101,680)
(14,688)

Page 15

CAMBRIDGE ONLINE

(A Company Limited by Guarantee)

Notes to the Unaudited Financial Statements for the Year Ended 31 March 2024

9. Movement in funds continued

Comparatives for movement in funds

Comparatives for movement in funds
Balance at
Net
movement
Transfers
between
Balance at
01.04.22
in funds
funds
31.03.23
£
£
£
£
Unrestricted funds
General reserves 16,216
(720)
(3,778)
11,718
Others under £1,000 -
-
-
-
16,216
(720)
(3,778)
11,718
Restricted funds
Cambridge City Council
Digital inclusion hub
-
(447)
447
-
Cambridge City Council
Digital inclusion support
-
-
-
-
Cambridge City Council
Covid vaccine programme
-
-
-
-
Cambridge City Council
United with Ukraine
-
-
-
-
Cambridge City Council
Warm spaces
-
(169)
169
-
Cambridge City Council
Capacity grants
-
3,167
-
3,167
Good Things Foundation grant -
1,567
-
1,567
South Cambs District Council
Devices
-
2,000
-
2,000
South Cambs District Council
Summer support grant
5,746
(5,586)
-
160
Arburyroad surgery -
(3,162)
3,162
-
5,746
(2,630)
3,778
6,894
Total funds 21,962
(3,350)
-
18,612

Page 16

CAMBRIDGE ONLINE (A Company Limited by Guarantee)

Notes to the Unaudited Financial Statements for the Year Ended 31 March 2024

9. Movement in funds continued

Comparatives net movement in funds, included in the above are as follows:

Incoming
Resources
Net
movement
resources
expended
in funds
£

£
£
Unrestricted funds
General reserves -
(720)
(720)
Others under £1,000 3,098
(3,098)
-
3,098
(3,818)
(720)
Restricted funds
Cambridge City Council
Digital inclusion hub
35,000
(35,447)
(447)
Cambridge City Council
Digital inclusion support
5,000
(5,000)
-
Cambridge City Council
Covid vaccine programme
5,551
(5,551)
-
Cambridge City Council
United with Ukraine
2,000
(2,000)
-
Cambridge City Council
Warm spaces
1,000
(1,169)
(169)
Cambridge City Council
Capacity grants
4,000
(833)
3,167
Good Things Foundation grant 2,000
(433)
1,567
South Cambs District Council
Devices
2,000
-
2,000
South Cambs District Council
Summer support grant
-
(5,586)
(5,586)
Arburyroad surgery 21,398
(24,560)
(3,162)
77,949
(80,579)
(2,630)
Total funds 81,047
(84,397)
(3,350)

15. Related party transactions

There were no related party transactions for the year ended 31 March 2024.

Page 17

Cambridge Online - Full Accounts 31 March 2024

Final Audit Report

2024-12-13

Created: 2024-12-13 By: Darren White (DARREN@MANSELLANDCO.ORG) Status: Signed Transaction ID: CBJCHBCAABAAB6ATKy3JGKFtsCIYbUYYijV7k2ccobqv

"Cambridge Online - Full Accounts 31 March 2024" History

2024-12-13 - 15:38:56 GMT

Document emailed to andrew baird (aabaird@gmail.com) for signature 2024-12-13 - 15:40:18 GMT

Signature Date: 2024-12-13 - 15:45:40 GMT - Time Source: server

Agreement completed.

2024-12-13 - 15:49:17 GMT