**REGISTERED CHARITY NUMBER: 1110910** **Report of the Trustees and Unaudited Financial Statements for the Year Ended 31 July 2023** **for** **Madina Mosque Cardiff** M Raza & Co. Chartered Certified Accountants 166 Whitchurch Road Cardiff CF14 3NA **Madina Mosque Cardiff** ## **Contents of the Financial Statements for the Year Ended 31 July 2023** |||**Page**|| |---|---|---|---| |**Report of the Trustees**|1|to|3| |**Independent Examiner's Report**||4|| |**Statement of Financial Activities**||5|| |**Balance Sheet**||6|| |**Notes to the Financial Statements**|7|to|11| |**Detailed Statement of Financial Activities**|12|to|13| **Madina Mosque Cardiff** ## **Report of the Trustees for the Year Ended 31 July 2023** The trustees present their report with the financial statements of the charity for the year ended 31 July 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) (effective 1 January 2019). ## **OBJECTIVES AND ACTIVITIES** ## **Objectives and aims** (1) To advance the religion of Islam for the benefit of the public through the holding of prayer meeting, lectures, public celebration of religious festivals, the provision and maintenance of places of public religious worship by persons professing the religion of Islam, the provision and maintenance of religious and educational centres and other places of study, the provision and maintenance of cemeteries and burial places for the burial in accordance with Islamic rites of persons professing the religion of Islam, producing and/or distributing literature on Islamic belief and practice to help enlighten others about the religion of Islam. (2) To preserve and protect health and relieve poverty, distress, sickness and infirmity amongst persons resident within Wales without distinction of sex or of political or religious opinions or of racial ethnic or national origins. (3) The promotion of equality and diversity for the benefit of the public by promoting the elimination of discrimination on the grounds of race, religion and disability or ethnic origin. ## **Significant activities** (1) To advance the religion of Islam for the benefit of the public by holding congregational prayers and religious lectures for the public. (2) To provide facilities for the Islamic educational activities for the children. (3) To provide funeral services to the community. Page 1 **Madina Mosque Cardiff** ## **Report of the Trustees for the Year Ended 31 July 2023** ## **FINANCIAL REVIEW** Madina Mosque remains steadfast in its unwavering commitment to fulfill its mission, tirelessly striving to achieve its objectives through a diverse array of activities tailored to meet the diverse needs of its community. This dedicated effort has persisted even within the confines of its temporary premises. The mosque's regular activities, including congregational prayers, enlightening lectures, and educational initiatives, continue to flourish. Despite the challenges posed by external circumstances, the mosque has adeptly adapted to the digital era, extending its reach beyond physical boundaries by offering select services through online platforms. This innovative approach ensures accessibility for those who may be unable to physically attend the mosque but still seek spiritual connection and engagement. One notable accomplishment worth celebrating is the successful execution of the mosque's funeral service, which has emerged as a vital cornerstone of support for the community. The seamless provision of this essential service not only exemplifies the mosque's commitment to its constituents but also underscores its significance as a compassionate and integral community institution. As Madina Mosque navigates the transition from its temporary abode to the forthcoming new centre, it remains resolute in its dedication to enriching the lives of its community members through diverse initiatives. The mosque's multifaceted approach, embracing both tradition and innovation, underscores its adaptability and unwavering commitment to serving the spiritual, educational, and communal needs of the community. ## **Reserve Policy** The Charity's reserve policy is to keep sufficient reserves to cover six months of unrestricted charitable expenses. In case of a shortfall the Trustees have given the undertaking to meet the day to day expenses. Fundraising is through public and members donations. ## **Key objectives of the Charity** Charity's key objectives are to provide a place for worship and teaching facilities to the public, which were met during the year. ## **Investment policy and objectives** The Management Committee has power to borrow money and to make investments in a transparent manner to achieve and enhance the charitable objectives of the Charity and managing the financial affairs of the Charity. ## **STRUCTURE, GOVERNANCE AND MANAGEMENT Governing document** The charity is controlled by its governing document, a deed of trust and constitutes an unincorporated charity. Constitution and rules adopted 17 November 2004 as amended 31 July 2005 ## **REFERENCE AND ADMINISTRATIVE DETAILS** ## **Registered Charity number** 1110910 ## **Principal address** Lucas Street Cardiff CF24 4NZ Page 2 **Madina Mosque Cardiff** **Report of the Trustees for the Year Ended 31 July 2023** ## **Trustees** The trustees who served during the year were as follows:- |Javed Iqbal|Chair|Appointed Chair 6 September 2019| |---|---|---| |Qasam Shad|Secretary|Appointed 1 June 2021| |Mohammad Ilyas|Treasurer|Appointed 25 July 2015| |Irfan Ul Haque|Trustee|Appointed 25 January 2016| |Shahid Saleem|Trustee|Appointed 25 January 2016| |Khalid Javaid
Farooq Khalid
Mohammed Afzal
Muhammed Imran Latif|Trustee
Trustee
Trustee
Trustee|Appointed 1 August 2017
Appointed 25 January 2016
Resigned 31 August 2022
Resigned 31 August 2022| ## **Independent Examiner** M Raza & Co. Chartered Certified Accountants 166 Whitchurch Road Cardiff CF14 3NA Approved by order of the board of trustees on 13 November 2023 and signed on its behalf by: Javaid Iqbal (Nov 13, 2023, 9:51pm) Javed Iqbal - Trustee Page 3 **Independent Examiner's Report to the Trustees of Madina Mosque Cardiff** ## **Independent examiner's report to the trustees of Madina Mosque Cardiff** I report to the charity trustees on my examination of the accounts of Madina Mosque Cardiff (the Trust) for the year ended 31 July 2023. ## **Responsibilities and basis of report** As the charity trustees of the Trust you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the Act'). I report in respect of my examination of the Trust's accounts carried out under Section 145 of the Act and in carrying out my examination I have followed all applicable Directions given by the Charity Commission under Section 145(5)(b) of the Act. ## **Independent examiner's statement** Since your charity's gross income exceeded £250,000 your examiner must be a member of a listed body. I can confirm that I am qualified to undertake the examination because I am a member of the Association of Chartered Certified Accountants, which is one of the listed bodies. 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: 1. accounting records were not kept in respect of the Trust as required by Section 130 of the 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. Faraz Raza (Nov 13, 2023, 8:46pm) Faraz Raza M Raza & Co. Chartered Certified Accountants 166 Whitchurch Road Cardiff CF14 3NA 14 November 2023 Page 4 **Madina Mosque Cardiff** ## **Statement of Financial Activities for the Year Ended 31 July 2023** |**Notes**
**INCOME FROM**
Donations
2
**EXPENDITURE ON**
Raising funds
3
**NET INCOME**
**RECONCILIATION OF FUNDS**
Total funds brought forward
**TOTAL FUNDS CARRIED FORWARD**|**Unrestricted**
**funds**
**£**
466,370
327,388
138,982
1,042,562
1,181,544|**Restricted**
**fund**
**£**
11,845
11,845
-
1,068,873
1,068,873|**31.7.23**
**Total**
**funds**
**£**
478,215
339,233
138,982
2,111,435
2,250,417|**31.7.22**
**Total**
**funds**
**£**
436,943
294,579
142,364
1,969,071
2,111,435| |---|---|---|---|---| The notes form part of these financial statements Page 5 ## **Madina Mosque Cardiff** ## **Balance Sheet 31 July 2023** |**Notes**
**FIXED ASSETS**
Tangible assets
7
**CURRENT ASSETS**
Debtors
8
Cash at bank and in hand
**CREDITORS**
Amounts falling due within one year
9
**NET CURRENT ASSETS**
**TOTAL ASSETS LESS CURRENT LIABILITIES**
**NET ASSETS**
**FUNDS**
10
Unrestricted funds
Restricted funds
**TOTAL FUNDS**|**Unrestricted**
**funds**
**£**
243,082
641
937,614
938,255
207
938,462
1,181,544
1,181,544|**Restricted**
**fund**
**£**
1,068,873
-
-
-
-
-
1,068,873
1,068,873|**31.7.23**
**Total**
**funds**
**£**
1,311,955
641
937,614
938,255
207
938,462
2,250,417
2,250,417
1,181,544
1,068,873
2,250,417|**31.7.22**
**Total**
**funds**
**£**
1,288,304
641
823,687
824,328
(1,197)
823,131
2,111,435
2,111,435
1,042,562
1,068,873
2,111,435| |---|---|---|---|---| The financial statements were approved by the Board of Trustees and authorised for issue on 13 November 2023 and were signed on its behalf by: Javaid Iqbal (Nov 13, 2023, 9:51pm) Javed Iqbal - Trustee Mohammed Ilyas (Nov 13, 2023, 9:55pm) Mohammed Ilyas - Trustee Khalid Javaid (Nov 13, 2023, 7:43pm) Khalid Javaid - Trustee The notes form part of these financial statements Page 6 **Madina Mosque Cardiff** ## **Notes to the Financial Statements for the Year Ended 31 July 2023** ## **1. ACCOUNTING POLICIES** ## **Basis of preparing the financial statements** The financial statements of the charity, 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 1 January 2019)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Charities Act 2011. The financial statements have been prepared under the historical cost convention. ## **Income** All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably. ## **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. ## **Taxation** The charity is exempt from tax on its charitable activities. ## **2. DONATIONS** **----- Start of picture text -----**
|||| |---|---|---| |31.7.23|31.7.22| |£|£| |Charity appeals|11,845|6,383| |General donations|42,828|33,657| |Jummah collections|57,138|52,938| |Penny boxes|786|7,808| |Funeral services|327,017|290,521| |Eid collections|4,492|5,438| |Funeral donations|782|1,830| |Website advertisement|540|540| |CAF donations|31,820|36,261| |Taraveeh collections|757|1,172| |Casket sales|210|395| |478,215|436,943| **----- End of picture text -----**
## **3.** ## **RAISING FUNDS** **Raising donations and legacies** **----- Start of picture text -----**
|||| |---|---|---| |31.7.23|31.7.22| |£|£| |Expenses|339,233|294,579| **----- End of picture text -----**
continued... Page 7 **Madina Mosque Cardiff** ## **Notes to the Financial Statements - continued** ## **for the Year Ended 31 July 2023** ## **4. SUPPORT COSTS** |**SUPPORT COSTS**|||||| |---|---|---|---|---|---| ||**Unrestricted**||**Funeral**|**Restricted**|| ||**expenditure**|**Depreciation**|**expenditure**|**expenditure**|**Totals**| ||**£**|**£**|**£**|**£**|**£**| |Raising donations and legacies|56,375|4,390|266,623|11,845|339,233| ## **5. TRUSTEES' REMUNERATION AND BENEFITS** There were no trustees' remuneration or other benefits for the year ended 31 July 2023 nor for the year ended 31 July 2022. ## **Trustees' expenses** There were no trustees' expenses paid for the year ended 31 July 2023 nor for the year ended 31 July 2022. ## **6. STAFF COSTS** |**STAFF COSTS**|| |---|---| |Wages and salaries
Other pension costs|**31.7.23**
**31.7.22**
**£**
**£**
33,213
35,039
413
384| ||33,626
35,423| |The average monthly number of employees during the year was as follows:
Employed staff|**31.7.23**
**31.7.22**
8
6| No employees received emoluments in excess of £60,000. ## **7. TANGIBLE FIXED ASSETS** |**COST**
At 1 August 2022
Additions
At 31 July 2023
**DEPRECIATION**
At 1 August 2022
Charge for year
At 31 July 2023
**NET BOOK VALUE**
At 31 July 2023
At 31 July 2022|**Freehold**
**land**
**£**
10,000
-
10,000
-
-
-
10,000
10,000|**Temporary**
**building**
**£**
200,504
-
200,504
-
-
-
200,504
200,504|**Residential**
**property**
**£**
175,000
-
175,000
-
-
-
175,000
175,000|**Assets**
**under**
**construction**
**£**
885,673
27,245
912,918
-
-
-
912,918
885,673| |---|---|---|---|---| continued... Page 8 **Madina Mosque Cardiff** ## **Notes to the Financial Statements - continued for the Year Ended 31 July 2023** ## **7. TANGIBLE FIXED ASSETS - continued** |**Fixtures**
**Plant and**
**and**
**machinery**
**fittings**
**£**
**£**
**COST**
At 1 August 2022
6,221
4,077
Additions
-
-
At 31 July 2023
6,221
4,077
**DEPRECIATION**
At 1 August 2022
3,673
2,407
Charge for year
509
333
At 31 July 2023
4,182
2,740
**NET BOOK VALUE**
At 31 July 2023
2,039
1,337
At 31 July 2022
2,548
1,670
**8.**
**DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR**
Other debtors
**9.**
**CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR**
Trade creditors
Taxation and social security
**10.**
**MOVEMENT IN FUNDS**
**Unrestricted funds**
Unrestricted Funds
**Restricted funds**
Restricted funds
**TOTAL FUNDS**|**Motor**
**vehicles**
**£**
22,350
-
22,350
10,151
3,050
13,201
9,149
12,199
**At 1.8.22**
**£**
1,042,562
1,068,873
2,111,435|**Computer**
**equipment**
**£**
3,525
794
4,319
2,815
496
3,311
1,008
710
**31.7.23**
**£**
641
**31.7.23**
**£**
1
(208)
(207)
**Net**
**movement**
**in funds**
**£**
138,982
-
138,982|**Totals**
**£**
1,307,350
28,039
1,335,389
19,046
4,388
23,434
1,311,955
1,288,304
**31.7.22**
**£**
641
**31.7.22**
**£**
(1)
1,198
1,197
**At**
**31.7.23**
**£**
1,181,544
1,068,873
2,250,417| |---|---|---|---| continued... Page 9 **Madina Mosque Cardiff** ## **Notes to the Financial Statements - continued for the Year Ended 31 July 2023** ## **10. MOVEMENT IN FUNDS - continued** Net movement in funds, included in the above are as follows: |**Incoming**
**resources**
**£**
**Unrestricted funds**
Unrestricted Funds
466,370
**Restricted funds**
Restricted funds
11,845
**TOTAL FUNDS**
478,215
**Comparatives for movement in funds**
**Net**
**movement**
**At 1.8.21**
**in funds**
**£**
**£**
**Unrestricted funds**
Unrestricted Funds
806,775
142,364
**Restricted funds**
Restricted funds
1,162,296
-
**TOTAL FUNDS**
1,969,071
142,364
Comparative net movement in funds, included in the above are as follows:
**Incoming**
**resources**
**£**
**Unrestricted funds**
Unrestricted Funds
430,561
**Restricted funds**
Restricted funds
6,382
**TOTAL FUNDS**
436,943
A current year 12 months and prior year 12 months combined position is as follows:
**Net**
**movement**
**At 1.8.21**
**in funds**
**£**
**£**
**Unrestricted funds**
Unrestricted Funds
806,775
281,346
**Restricted funds**
Restricted funds
1,162,296
-
**TOTAL FUNDS**
1,969,071
281,346|**Resources**
**expended**
**£**
(327,388)
(11,845)
(339,233)
**Transfers**
**between**
**funds**
**£**
93,423
(93,423)
-
**Resources**
**expended**
**£**
(288,197)
(6,382)
(294,579)
**Transfers**
**between**
**funds**
**£**
93,423
(93,423)
-|**Movement**
**in funds**
**£**
138,982
-
138,982
**At**
**31.7.22**
**£**
1,042,562
1,068,873
2,111,435
**Movement**
**in funds**
**£**
142,364
-
142,364
**At**
**31.7.23**
**£**
1,181,544
1,068,873
2,250,417| |---|---|---| continued... Page 10 **Madina Mosque Cardiff** ## **Notes to the Financial Statements - continued for the Year Ended 31 July 2023** ## **10. MOVEMENT IN FUNDS - continued** A current year 12 months and prior year 12 months combined net movement in funds, included in the above are as follows: |**Unrestricted funds**
Unrestricted Funds
**Restricted funds**
Restricted funds
**TOTAL FUNDS**|**Incoming**
**Resources**
**Movement**
**resources**
**expended**
**in funds**
**£**
**£**
**£**
896,931
(615,585)
281,346
18,227
(18,227)
-
915,158
(633,812)
281,346| |---|---| ## **11. RELATED PARTY DISCLOSURES** There were no related party transactions for the year ended 31 July 2023. Page 11 **Madina Mosque Cardiff** ## **Detailed Statement of Financial Activities for the Year Ended 31 July 2023** ||**31.7.23**|**31.7.22**| |---|---|---| ||**£**|**£**| |**INCOME**||| |**Donations**||| |Charity appeals|11,845|6,383| |General donations|42,828|33,657| |Jummah collections|57,138|52,938| |Penny boxes|786|7,808| |Funeral services|327,017|290,521| |Eid collections|4,492|5,438| |Funeral donations|782|1,830| |Website advertisement|540|540| |CAF donations|31,820|36,261| |Taraveeh collections|757|1,172| |Casket sales|210|395| ||478,215|436,943| |**Total incoming resources**|478,215|436,943| |**EXPENDITURE**||| |**Expenses**||| |**Unrestricted expenditure**||| |Wages|33,213|35,039| |Pensions|413|384| |Repairs & maintenance|2,768|78| |Rates and water|776|187| |Insurance|1,859|1,630| |Light and heat|2,385|1,242| |Telephone and broadband|564|706| |Postage and stationery|146|-| |Cleaning|48|-| |Gift aid fees|840|-| |Computer costs|169|-| |Education|-|95| |Bank charges|263|420| |Teacher fees|12,931|7,394| |**Depreciation**|56,375|47,175| |Plant and machinery|510|637| |Fixtures and fittings|334|417| |Motor vehicles|3,050|1,566| |Computer equipment|496|350| ||4,390|2,970| |**Funeral expenditure**||| |Cemetery fees|204,605|191,498| |Coffin fees|11,660|17,205| |Motor expenses|2,330|1,910| |Sub contractors|43,078|25,114| |Hire of carriage|-|2,325| |Carried forward|261,673|238,052| This page does not form part of the statutory financial statements Page 12 **Madina Mosque Cardiff** |**Funeral expenditure**
Brought forward
Cargo
**Restricted expenditure**
Charity appeals
Total resources expended
**Net income**|**Detailed Statement of Financial Activities**
**for the Year Ended 31 July 2023**
**31.7.23**
**31.7.22**
**£**
**£**
261,673
238,052
4,950
-
266,623
238,052
11,845
6,382
339,233
294,579
138,982
142,364| |---|---| ||| This page does not form part of the statutory financial statements Page 13 ## **Issuer** M Raza & Co **Document generated** Mon, 13th Nov 2023 11:55:31 UTC **Document fingerprint** 62b9d3e3f9055f942e6bedf4a0cfaf14 ## **Parties involved with this document** ## **Document processed** ## **Party + Fingerprint** Mon, 13th Nov 2023 19:43:25 UTC Mon, 13th Nov 2023 20:46:13 UTC Mon, 13th Nov 2023 21:51:59 UTC Mon, 13th Nov 2023 21:55:34 UTC Khalid Javaid - Signer (88444b3ff5b525ab53355f2ea2ec70e2) Faraz Raza - Signer (be63f3e21a9972d84efe654516ff020b) Javaid Iqbal - Signer (2775005675ed02d5a494c15d92c5010d) Mohammed Ilyas - Signer (3fa3d7a809ab3de997a0b671c0bbb32e) ## **Audit history log** ## **Date** ## **Action** Mon, 13th Nov 2023 21:55:35 UTC Mon, 13th Nov 2023 21:55:34 UTC Mon, 13th Nov 2023 21:55:34 UTC Mon, 13th Nov 2023 21:54:12 UTC Mon, 13th Nov 2023 21:54:00 UTC Mon, 13th Nov 2023 21:52:09 UTC Mon, 13th Nov 2023 21:52:00 UTC Mon, 13th Nov 2023 21:52:00 UTC Mon, 13th Nov 2023 21:51:59 UTC Mon, 13th Nov 2023 21:51:59 UTC Mon, 13th Nov 2023 21:51:08 UTC Mon, 13th Nov 2023 21:48:54 UTC Mon, 13th Nov 2023 20:46:32 UTC Mon, 13th Nov 2023 20:46:14 UTC Mon, 13th Nov 2023 20:46:14 UTC Mon, 13th Nov 2023 20:46:13 UTC Mon, 13th Nov 2023 20:46:13 UTC Mon, 13th Nov 2023 20:45:53 UTC Mohammed Ilyas viewed the envelope (82.16.173.29) This envelope has been signed by all parties (82.16.173.29) Mohammed Ilyas signed the envelope (82.16.173.29) Mohammed Ilyas viewed the envelope (82.16.173.29) Mohammed Ilyas opened the document email. (66.249.93.102) Mohammed Ilyas opened the document email. (74.125.151.3) Document emailed to party email (13.40.113.160) Javaid Iqbal viewed the envelope (104.28.89.98) Sent the envelope to Mohammed Ilyas for signing (104.28.89.98) Javaid Iqbal signed the envelope (104.28.89.98) Javaid Iqbal viewed the envelope (104.28.89.98) Javaid Iqbal opened the document email. (104.28.86.103) Faraz Raza viewed the envelope (86.5.150.209) Document emailed to party email (13.41.72.163) Faraz Raza viewed the envelope (86.5.150.209) Sent the envelope to Javaid Iqbal for signing (86.5.150.209) Faraz Raza signed the envelope (86.5.150.209) Faraz Raza viewed the envelope (86.5.150.209) Mon, 13th Nov 2023 20:45:49 UTC Mon, 13th Nov 2023 20:17:39 UTC Mon, 13th Nov 2023 19:43:26 UTC Mon, 13th Nov 2023 19:43:26 UTC Mon, 13th Nov 2023 19:43:25 UTC Mon, 13th Nov 2023 19:43:25 UTC Mon, 13th Nov 2023 19:42:24 UTC Mon, 13th Nov 2023 19:39:34 UTC Mon, 13th Nov 2023 12:45:05 UTC Mon, 13th Nov 2023 12:03:20 UTC Mon, 13th Nov 2023 12:03:19 UTC Mon, 13th Nov 2023 11:59:47 UTC Mon, 13th Nov 2023 11:58:55 UTC Mon, 13th Nov 2023 11:58:55 UTC Mon, 13th Nov 2023 11:58:55 UTC Mon, 13th Nov 2023 11:58:55 UTC Mon, 13th Nov 2023 11:56:20 UTC Mon, 13th Nov 2023 11:55:32 UTC Faraz Raza opened the document email. (146.75.174.13) Faraz Raza opened the document email. (140.248.40.24) Document emailed to party email (13.41.75.249) Khalid Javaid viewed the envelope (31.94.58.85) Sent the envelope to Faraz Raza for signing (31.94.58.85) Khalid Javaid signed the envelope (31.94.58.85) Khalid Javaid viewed the envelope (31.94.58.85) Khalid Javaid viewed the envelope (31.94.58.85) Khalid Javaid opened the document email. (172.226.134.0) Document emailed to party email (18.134.129.218) Sent the envelope to Khalid Javaid for signing (92.3.106.49) Automatic reminders for this envelope have been set to occur every 1 days (92.3.106.49) Mohammed Ilyas has been assigned to this envelope (92.3.106.49) Javaid Iqbal has been assigned to this envelope (92.3.106.49) Faraz Raza has been assigned to this envelope (92.3.106.49) Khalid Javaid has been assigned to this envelope (92.3.106.49) Document generated with fingerprint 62b9d3e3f9055f942e6bedf4a0cfaf14 (92.3.106.49) Envelope generated by M Raza & Co (92.3.106.49)