citizens advice Hull & East Riding Annual Report 2024-25 Cftizens ', Advlce helped me r..'51 find away Contents Foreword byjames Doyle. Chair of Trustee Board Board of Trustees and Senior Management Team About Citizens Advice Hull & East Riding In the community Research and campaigns Ourvalues 10 Our impart Our perfomiance in 2024-25 Our teams and projects Our volunteers Structure. governan￿ & manageff*nt Finanaal review Report of the IndependentAuditors to the Members of Hull and East Riding Citizens Advice Bureau Limited 15 17 26 28 Citizens the Hull & East TldingAnnual ReFJ)rt 202425 Foreword James Doyle, Chair of Trustee Board We are proud to Dresent this yearfs impact repor. for Cit17ens Advice Hull and laSL Ridiiig. It refleils the oxtiaordinary coiirp,iiment of our alf, volunteers, trusiees, aid pa￿￿er5 ourirng a per od of continued cyallenge for the communities we serve. Tne c051-of- ivirig crisis h35 continued to impact kioLsehold5 acro55 Hull and Ihc East Rioing iviin many people facing iTh0055ible choices abour hoatirg cai and keep ng d ruol over ili.cir head5. Agaiisi this backd rop, dema-',d for our services has growp, more complex a nd urgent. Our arjvisers .£upporiejr 24.349 clients and resolved over 112.000 issues--ie equivalep.i of one issue ￿ery 4. 1 minutes. Mo,, e than half of t￿.P people we helpec wiere I,iring wi-n a d1&3biiity or ong-term hcalih condrion. Oiir generalist advice service remains the front door to support. i er'sures peoJlo can dcoess limc.Iy, ITD8fLia,' adv.ce, often al mLiments of crisis, ano it provides a gaitsway10 specialisL casework where needed. Alop,gside this, we delivered targeted proiccts in hospitali, Wlth ArrnFd Forc.e5 communities, through schcols ar.d VC5F. patners, and IT Pclrtnership w,Ih our local councils, Nlorthem Powerorio, a-. o Ihc NHS. These projects dery.onstraie ourability to innovate, collaborate, aid rcack people where tnoy are. Demand for our services has grown more complex and urgent. Our advisers supported 24.349 clients and resolved over 112.000 issues-the equivalent of one Issue every4.7 minute More than half of the people we helped were living with a disability or long-terni health condition The financial valijp. of our work is reinarkable. ID. 202L.,'25 we dolivered £41.8 million in value to local people and the wider economy, equating 10 £1.7 million every fotnight. tror eve-y £1 irive5fe.d li CAklFR, INe re-urn £2.39 in f15cal £awiigs, £20.61 in byider PUDlic valuo, and Ll 4.?0 directly to th.e peoplo we ktslp. This year a150 marked important iniernal progress. We err,bedded oJr riew organiSc]tiorial value< of Collaboration. Innovation and Accountability, iiivesled in digiidl 5y5Lems and expandeo VolunL￿r oppoitunitiei, eiisuring our organ.￿tiGn is equioped lor the fuiure. Looking ahead, our strategic Business Plan 2025-?_8 fjets ambitlOUS airrs.. 10 romair. agile and respogsive, to grow our influep,ce locally and nationalw, to deepen collaboration, and to innovate Wi[n our peop'e and technology Wilh the coniinued support o--our lunders, partners, and volurteers, we arc conficeni Ive Cun meei those aims ar',d rerrairi a tfUStcd chdrnpioii for our communitses. On behalf of the Board of Trustee5 and Senior ￿la￿a￿eme￿i Team, th3ik you to everyone who has SUPPOrted Citizen< Adwce Hull and East Ridiig this year. Together, we are making a real difierence in the lives of thousands of Ioc31 people. Ciliz?n% AcJvice Hi Ill & Ea￿ Qieing Annual Repon ?o24-,-5 Trustees Report Senior Management Team Tracy Wharvell Chief Executive John Connelly Head of Busine55 Operations & Planning J DoVe. Chair D ￿Thth A Ledger Kirsty Connor Head of Specialist Advice Services A Se￿ffl L Flley nted nlay MIY 2025 2025 Katherine Nickolds Head of Generali5tAdwce SeNices L Milner Reggned (kt2024 P FO￿er Resigned Oct2024 D Waxman ReognedN￿2024 M Gohghtley Re￿gnedmc￿2025 K Schmidt Re￿ned Sept2025 Stacey Ullyott Head of Business Development Companysecretary T Wharvell Registered office The Wilson Centre, Alfred Gelder Street, Hull, HU12AG Registered company number 05141612 (England and Wales) Registered charity number1106453 Independent auditors Smalles Goldie, Chartered Accountants, Ststutory Auditor, Regents Court, Princess StreeL Hull, HU2 8BA Bank Lloyds Bank Plc, 1 Grand Buildings, Jameson Street, Hull, HU13JX C,tizen5Adw:e. Hi.11 & Easl RidirigAnYua' ReForr 202425 About Citizens Advice Hull & East Riding CILi£ens Advice Hull and lasi Riding is an independent IoG31 cha."ity that has supportecl our communities for over 86 years. We provide free, confidential and imp3rt,al advice primarily to residents of Hull and the East R dins he.lping people fiid a way forward wtth Ineir problems. As one of 235 socal Ciiizens Advice senAces, we s,iare natioial goa,s'. to provide advice for all, campaign on the isSUCS thai matter, and diampion equality and diversity. Our charitable object is 'the relief ofpovery, Sickness, and di5tre55 b/ the CJLknncement oleducoiion, the proiettion andpreservoiion of heglth, and Ihe promoLion of eqknoi opportLJnities" We achieve thi5 by providing a free, independent, confiéentiai, impartial information, advice, caseworl and repre5entaiion service helping people reS0￿e Their legal, rr,oney and oiher problems. We strivc to reach people ear￿ before problems dcvelop, empower soll-help, and respond flexibly to emerging needs through innovatThie approaches and 10 adopt beib.'e semce for all. Cifi7en£ Ildvice qu,1 & East licilo AiniJal lew.ff 202425 We have four FErmaneni offices where we help clients with appointments and drop-in sessions in Hull, Beverley, Bridlington and Goole. We also have advisers working at more than 30 outreach locations across the area. In addition to our general adwce serwce, we work closely with IcKal councils, housing providers, foodbanlG, NH5 services, and corrmunity organisations to make sure people get the support they need across a range of ieams and projects. Q Hull GeneralEt Athi Commurvty FoodAid P Easl Rh￿ng Genefalisl Serw Q Hosimlal Outreach Sewvice Eller￿1 Speoth'si Dr(y In ou￿n9 SpecialislAthice Drop In ExF4oring Opportunthès Beverley Hull Goole ¥ D￿n￿apTI*5 @ Openslieetmao conlnbuiNs Hull Ci¢izer.s Athco. 4Jil & F.art RidinEAnnual ReporL 2024-25 In the community Events and media What Citi Citszéns Advice do? During 2024125 ll.'e bvere rep"esegLed at rargp o, publio evenLS arrangeo by partners in=ludirg IN,e NHJ, Hull Qily Council, Lail Riding of YOrKS￿1r0 Cou nci I, loca, parish COUPicils, [￿e Ilg versity of HLIII and Lhe Jepartment for Vlorrf ar,d Pensions. INe provice information aboui our serwcei and recruit new volunieers. iti?en vice st We continued to work witn partnerK i)fG (up.cers 10 find innovaiive iliays of D>DJuly2024 We coniacted all candidates in the general elertion to prowde them wtth a snapshot of their COP.5tttuency As part of this, we raised issues about the current System for Personal Independence Payment (PIP) and provided insights into the cost of living and the impact on their constituents. D>D>D September2024 After the election, we provided all MPS with an invttation to our office, and proirided them witri a briefing atrKiutthe work of Citizens Advice, and local data relevart to their constttueng. D>D>D October 2024 We lobbied MPS duringthe Budget, calling on them to UFxlate Local HousingAtlowanie in line with 30th percentile of local market rate, reduce the amount deducted from Universal Credit payments and to provide targeted energy bill support. As part of this, local MPS Karl Tumer (Kingston upon Hull East) and Emma Hardy (Hull West and Haltempricel both wrote to the Chancellor. The reduction of Unwersal Credit debt recovery was included in the budget- a win for Cttizens Advice. Cidzens Acknce Hul & Fa£r RidingAnnual Rewrt 2024-25 Ourvalues The commitment to working together. intsmalty and externally. by Iwilding partherships sharing knowledge, and f05tering trust to achieve common goals. The capacltyto think creatlvely, develop. and introduce groundbreaking solutions to improve services and respond to current and emerging challenges. -ol,Ib.":r3.-' ior Innovation AriOLis: The responsibhityto uphold the highest standards of ethics, transparency. and fairness in all our artions and decision& Do what we say we ill do and take responsibility for all our artlons. Ourvision In order to fight poverty and injustice, be ai the forefront of advice, innovation, ap,d infldence at local, regional, and national levels. Our misslon We help people, families, and communities by. Providing advice thai helps people overcome their prob5ems Campaigning to ensure tnat peoples, voices are heard We are the People's ChampiorL Citizen£ Adv ce HLJ'I & Fast R,:ding AinJal Re.kT)r ?0?425 Our impart Ourvalue to society £41.8m 24.349 112,189 financial value delivered across Hull and East Riding- equivalent to £1.7m every fortnighL clients supported. equating to one in every 13 households in the area. issues resolved - roughly one every 4.7 minutes across the year. For every £1 invested in Citizens Advice Hull & East Riding £2.39 fiscal value retLJmed to government and public seNices. Total £8.463.161 £20.67 public value generated in wider economic and social benefits. Total £73,24I.011 £1430 dirert value delivered to the people we help Total £50,685,515 10 Citizens Advicc -lul, & Fast Rlcing Annual Qeport 202L25 Our impart 2024-25. our work in numbers Savings fir £2.783.272 '. .': preventing evictions. forthe NHS by reducing the 0 £1.697.812 ,,, services and keeping people in work. The big issues 82% 29% 14% Crisis loans Charitable support Housing From our surveys Top advice issues 21 % Debt 20 % Universal Credit 180h Beneffts and Tax Credit 97% Clients would use our seNice again. 1in2 96% Clients would recommend our service to others. clients have a long-term health condition or disability. 10 % Finanaal seNices & capability C I1¥￿Tr5￿￿vIce Hi.118 thst 4id ngAnnual ReporT 202Q" 11 Binta's Story oer rol i• Wedon'tjust advise our clients - we stand by them every step of the way until their issue is resolved. Here, one of our clients tells howwe helped herwin a difficult court case againsta company selling solar panels that wanted thousands from her despite having provided no services. izens & East Ridi .Hull . 12 Cifi7en£ Adwce Hul. & Ecjsr Rieing Arinual Report 202£L25 I don't know what I would have done without Citizens Advice When sho bought her house in Hull after many years of renting Bintajust wan-ed to invesi in green energy and save money on bills. But her interest in hawng solar panols instslled went disastrously wrong when she was pressurised into signing a G.ontrart she couldn't afford by a co.,mpany whici then took her to court demanding more than £5.0(K). on a solar panel pacthge worth rrore than £8,000. However, she was unable 10 fiD,d an affordab e finance p137 due to an unpa,.d ener￿ bill for her house, dating to before skie tK)ught it, be ng wrongly placed on her record. Unable 10 affard a solicitorand with ￿0Where else to turn, Binta came to Citizens Adwce Hull & l-a% Riding, where an ainazing team offort from several of our dedicaLed advisers cnded with the Cdse being thrown out ofcourt. When 5h.e tried to carcel, the firm claimed she had sioned a waivcr agreeirig to pay 60 per ceni ofihe coitracl and began court proceedings 10 force her to pay more iilan £5,500, all while pressuring her to give them money d￿pIte hawng provided no services. Binta told our Debi C35eworkerJon Wilson, who provides outreach 5UPPOrt at klull County Court"'You took the time to listen 10 me, provide advice and your willingne55 to Felp without asking for a penry amazed me, from the first lime I metyou. English is a second language for Binta, is orginally from Gambia, and she foun.d the documeniaiion provided by the firm confusing. Butthe phor,ecalls were worse. "l appreciate your patience, professionalism and kindness. You made Ihejourriey so ca5y for me, releasing the stress, pressure, coricerns and worries for me and ry fami￿." She exploined."Elifferent people were callirig me every day with threats - I have to pay this,1 have to pay thai, I have. to do this, I have to do that, srxveral times a day. I wasn't sleeping... it was affecting my health. Binta's o,"deal started when she &4w an advert on the internet about a Government grant for solar power. She wanted to improve her home ana, save morley on her energy bills for years to corre, so she made enquiries and was contacied by a firm which arranged for someone 10 vislt her ai h,ome. "I wasnt sleeping my famiw wasn't sleeping- it was affecting my nealtb, my family and my work. It was traumatising It vJas a horrible experience. Theywere calling me asking me to pay money and I said 'l'm not paying the money. They said h)u need to ialK to us, we need to come to a mutual agreemeny." Keen to press ahead wiLh her green dream, she agreed 10 lake oui a five-year finance deal Continued on page 14 CiliZPP£ &,*vice qull & East I',d:n8 Arnual Rewrr. ?g?£P?.5 13 Continued from page 13 Jon and S.'nta Lieri attended a court hearing lasting two noijfs and 45 minuics, wih,, resulteo in the D'sLficiJu.dge orderipg -hat even/ dSGect o- tie claim madc aga nst hor e disTt:ssed in full. But Bin=a, who works as a housing a(fviser in Hull, SLood frie. ground."I sa d you a"e r',ot ooing to go'l tl.e botter of me k.ecaJse YOLJ d.d not proviae me wilh sny sepiioe, YOJ d,,dill serid driyo?e to do a su'rvcy at rp.y property." She coniacted some ioI',Cliors, speiycing £1 bo on one 20-m nute consultaiion. She Was unable 10 pay more, JO a sol.'ciior su&gested she Con-act C'- zens Adv ce. Bint3 S3'.d. 'We wafjted to have ou: own Iouse so we coild iTiprob'e Il, ayd save morEy on our bills with so ar pai',els, but I dontthink I wjuld do awiing liA: this again tEcause they have C￿Sed me ana ryfami JO rr,ucki Ifauffla. .1 don't know what I would have done. "I'm glad iys over because li was a o'ifficuli tiTe ano I w3s spepcing rroney ayo, tak qg time Jlf work. When you've goiyoLf OlAin p dCC' YOU war,= 10 develoo '[ you Kiant to change it and protect it. l jusr. Vv'antod to make IL beLier fcif 'ny family aric pvoDohing wenL so wruig 'p)lÈ lik.e ITie L'oplc '.v KJ don't hcive niuch, vtho ¥M)rk hard'Lr Iheir families are SLrfterirng atthe hands of these Ilch people. Th re taking advantage o, people like m and oeiiir-g av￿'aY v.lirh It They would have taken me ro co'ar, put me oy Ihe bldcklist and they vould h,ave rTiade me rJayth.ous3-, ,05 o-, pour,cs vJhich l ttoyt kave. Binta Was 5UDJOrted a. our Gepcrali5-Advice Oriil CJL our off co at The Vdil key worke," 311d our caceworker. Togeiher, they 5uppoffed him"hrough a Yew P1P applicatioq a'.Id ;he compleiion of a Urwersal Credil health asses5rrent form. T￿e key worker sai with Jame) during telephone apJoiniments, help ng 10 reassuro him and request brea￿ when neeced, while our caseworKer guideo him Llirougn =he proce5S. Jameb£ PIP applic.aiiofj could Increase. his income by f101.35 per Vb'eek {f.4,270 por year), while the IJC knealth e,emeni coulo acd a further.:416.". 9 per month. (£4,994 per yea"). James's annual income could rise by more than £10.000 Iri OLal, h s annual income could rise by more tlar £10,000, giwr£ him tlie Tieans to Poy for Cdrers or SLJppofL wili Ihe uJes ris￿ to the organisafion dnd the sewices we promde. We app management disciplines to manage and mitigate these riskJ, have established back-up 91Stems, a dis3£1er recove,y in the evcr,i of failure. Service delivery uolltinuing public sottor funding prcssure5 Poie risks to sernice dolwery Our capaoty to promde ￿rytal senT£es may be reduced or Commiss0￿r5 rnay 5￿k value for money by seeking to FxcTride more services dElta1￿ andlor remotety. We continue to develop ancl enhance our cotnplementary phone and dwtal channe& to ensure access to our seNces but remain very consctOLS of those trk3t fa￿ barrier5 to accessirE seNices remotety. Protection of our data: We tske the prixection of our clients, dats extreme￿ seriously and are partÈcularty alert to external threats and also to the dianging regulatory environment We r&Niew our information goverrkance wlioes and practices on an annual ￿￿515 and undertake data prwacy impact assessments for new andlor chang.ng *Nces. We appty a ￿¢>factOr authentication for ac￿55 to our client and organisatior￿1 dats. We trkive also achievEd Cfftr Essentkals Plus accrediG3tion, demonstrating that we that we operate to the hghest levels of security and resilience with regaids to our cliong data and our sysiems. Relationships with other charities. organi5ations and individuals We enjoy support from a wide range of funders and lake great care to ensure that we obtain the maximum valiie for every poijnd we sperT.d. Principal funding sources The principal funding sources du-ing the year ￿me Irorr East Riding of Yorie the Statement of (the'charitable compann for the year ended 31, March 2025 which comp,, - Financial ActDJ,lies, the Bcalance Sheet, the Cash How Statement and notes to the firiancial ¥catements, induding signtFicant accounting policies. The fifjancial reporting framework IhaL has been applied in their preparation is applicable law and Un,'ted Kingdoffl Accounting Standards, ncluding Financia Reporting Standard 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland IUniLed lQngdom GeneraltyAccepted Accouniing Practice). In our opinion the financial staiements. give a true and tair view of the state of the charit3ble companys affairs a5 at 31" March 2025, and o". its incoming resources and application of resources, includin(T income and expenditure, for the year Ihen ended,. have been property p"epared in accordance with Untted Kingdom General￿AcCepted Accounting Practice,. and have been prepared in accordance wti the requirements of the Companies Act 2006. Basis for opinion we conducted our audii In accordance Wilh Iniemaiionai 5L3ndards on Audiiirg (um (TSAS IUK)) and applicable law. Our responsibilities under ￿ose standards are further describod in the auditor responsibilities for the audil O". the financial statements section of our report. Wje are independent of the charitable company in accordance with the ethical requirement5 that are elevant to our audit of the financial ￿atements in the UK incluo.ng the FRC'S Ethical Standard, and we have lulfilled our other ethical responsibilityes in accordance these requirerrents. We believe that the audit evidence we have obiaineu is sufficient and appropriate to provide a basis Tor ouropinion. Conclusions relating to going concern In auditing the financial statements, we have conclJded tha:, the trustees, use of the going cor)cerr basis OT accounting in the prewraiion of the financial statements is appropriate. Based on Ihe workwe have performeu, we have p,ot identified any material uncertainties relating to evenE or conditions that, indrvidualw or collectively, may casi sign,:ficant doubi on the charitable companls ability to conLinue as a going concern for a period of at least twelve rr.onths from when the financial staiemenis are authorised for issue. Our respon_£ibilities and the responsibilities of the tru%ees wtth respect 10 going concem are described in the relevant sections of Ihis reporL Ciiizens Ac￿ce rlull & EaJl Rciig Annu31 Report 202425 Other information The oiher information comprises the infoYn3tiop included in Iho trustees, annual report, oiher than the financial stc)tements and our audiLofs reoort th,eroon. The Irustees are responsible ror the other information. Our opinioii on the financial statements does noi cover the other informa.ion and, except to the extent otherNise expl.cIt￿ staled in our retx)rt, we do not express any form of assurance conclusion thereon. Our responsibilty is to read tie other information and, li do n8 SO, Lorisider whether rhe other iYlorrr.aiion 16 materialw inconsistent ￿11th tkie financial siaiements or our knowledge obtained in the course of the audit 01 otherwise appears to be materially misstated. Ilwe identify such maier al inconsistencics or apparent material misstatements, we are required to determine whether Ikiis gives rise to a materia1 mis) atement in the financial staierrents Ihemselves. If, Jased on the work we Yave performed, we conclude thaL there 15 a maierial misstatemen- of this other informaLion, we are requirec to report that fact. We have natning 10 re.porr in this regard. Opinions on other matters prescribed by the Companies Act 2006 In our opinion, based on the wor'& undertaken in the courso of the audir. the information given in the trus:ees' report, which nclude) the direG.org report prepared foi the purposos of company law, for th,e financial year for which the financial Statemen￿ are prepared is consistent with the finanaal 5LaLements, and the directors, report inclu,ded within Ihe Irusiees, report has been prepared in accordance with dpplicable legal requireirients. Matters on which we are required to report by exception In the light of the knowledge and undersianding OT the charitable company and its enwronment ODiaired in the course olihe aud t, we have not ideniified material misstatements in the [strategic repoFt or the] directors, repoFt included wthin the Irus=ees' report. We have nothintT 10 report in respect o,. th.e following matters in relation to vfv. ch the Companies Act 2006 requires us to report 10 YOLJ rf, in our op:nion" adequate accounting records have not been kept, or retums adequaie for our audit have not been iecewed from brariches noi visited by us,. or the financial statemegts are no- in agreement wth Ihe accounting record5 31d returns; or cert3in oisclosures of trustces, remuneration specified by law are noL made,. or we have not rocer￿Qd c]11 thc) irilormaiion and explanaiioiis we requirc for our audit," or the Irustees were not enliiled LO take advantage of small companies, exempi.on from Ihe requirerrent to prepare a irate8 c report Responsibilities of trustees explained more fulty in the trustees, responsibilities staterr,ent set on page 27, th,e trnjstees {vvho are also the directors of the charitable companyfor the purtK)se5 of comJany law) are responsible lor the preparaiion of the financial stalements and for being cal volunteers to a Level 2 3dvice. qualific.atior,. Your Consortium Part of the Building BeLtÈr OpportJnities pro8r2mme, this tuTrd provides Keywor%er support deliveis advice lo re51dent5 In the East Riding. Restricted Transfer of Funds f iO,?18 transfer of fuads oJt of restrittèd Telaie5 to è PToJect where perforrn3nce obli8ations have been met and so 5urplLs funds are eligtble for tr8n5fer to General furds. E489 transfer of funds out ot re5tiicted relate5 lo a project where performankne obligations have been met and so surplus funds are eliEible for transfer to General fund5. 48 Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 16. Analysis of net assets between funds Designated funds Restricted funds General funds Tolal Current reporting period Tangible fix&d assets Current assets 165,695 1,3thO,195 167.5871 2.506 284.969 194.8241 168.201 1,785,164 1162,4111 140.000 Total 1.458.303 140.000 192,651 1,790.954 Designaled funds ReslTlCted funds General funds Total Previous reporting perlod Tangible fixed asset5 lurrenl assets 12.883 1,241.765 18.0411 3,873 396.622 {178,6841 16,756 1.778.387 (186.725) 140.000 Total 1,246,607 140,000 221.811 1,608,418 17. Ana5ysis of Cash and Cash Equivalents At 1 April 2024 1,479,161 1.479.161 cashflow 126,466 126,466 at 31 March 2025 1,605,627 1.605,627 Cash at bank and in hond Total At 1 April 2023 1.358,967 1.3551.9fi7 cashflow 120.194 at 31 March 2024 1,479,161 1.479.IAI Cash ai bank and In hand Total 120.194 18. Financial instruments 2025 2024 Categorisation of financial instrurnents Financi31 assets that are debt in5trJments measured at amortised cost 1,762.408 1,750.1Q3 f inancial liabilities measured a: amortised tost 131,074 t86.725 f inancial assets that are debt instruments measured at amortised c05t consisl of cash. tr3de and other debtor5 .Ind acr.rued incnrne. Financial liabilities measured a: amortised cost consjst of trade & other crediiors and accruals 49 Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENOED 31 MARCH 2025 19. Operating lease commitments The £harity's total future minimum lease payments under non-cancellable operaiing le3ses 15 as follows for each of the following periods.. Property 2025 2024 Le55 than one year One to live years over five years 43.000 84.000 24,932 127,000 24.932 20. Ultimate Controlling Party The company Is ￿nd￿r the control ol the directors as a body and as such is not crJntroll&d by any Individual. 21. Related Parties There were no related paty Iransaclions during the year.12024.. £nill 50 citizens advice Hull & East Riding vwvw.hullandeastridingcab.org.uk bjll & East Cl[￿er6 ￿re t* Compary ￿mIted bYG[￿ante+- A￿￿ere0 NunY)er 5141612 E￿￿•Y ered Office.. The Wiknn Alfred Gddw streeL HU" 2hG p4jt￿)fI5ed regJlaEed ty ne Awwl Cortha ￿Jthwty FRN. 617637 tered Chanty Num￿1 11W53 (XJrvolu& Collabomtim. Inixy*tition andkcountatsyty