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2024-12-31-accounts

REGISTERED COMPLNY YLTrIBER: 06547657 (England 2nd Wales) REGISTERED CHARrfY NUMBER: 1123367 REPORT OF THE TRUSTEES AND UNAUDITED FINANCIAL STATEMENfs FOR THE YEAR ENDED 31ST DECEMBER 2024 FOR PSJ Alexander & Co l Dougbty Street Loodon WCIN 2PH

BAPS CHARITIES COPUENTS OF THE FtNANCtAL STATEMENTS FOR THE YEAIi FJqDED 31ST DECEMBER 2024 Page Report of the T￿￿tee9 Statement of Financial knivities Ba]ance She¢t Notes lo the Financial Ststements 7 to 11 Detailed Ststra)ent of Financial Activitie5 12

BAPS C}iARr￿ (REGtSTEREDNUMBER: 06547657) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31ST DECEMBER 2024 The trustees who are also directors of the charity for the PUTposes of the Compani&s Act 2(KJ6, prcscrtt their rel￿ with the flnancial ststements of the charity for the year ended 31st D￿ernber 2024. The truste￿ bave adopted the provisi0J￿ of Accounting and Reporting by ch￿ltieS. Statement Df RecomEuended Pract£ce applI￿ble to cbarities prewing their accounts in accordance with the Financial Reporting Standard appltcable in the UK and Republic of tr¢Sand (FRS 102) (effectivc l January 2019). Our BAPS ChaTiti¢s, UK, is an Internation￿ charity 0paan1￿10n committed to serving the world by Lwing for individuals, families and commwiities. Our mission is to service the n¢edy indiv1th￿Is. familics and communities in the UK and elsewhcrc. OBJECTIVES AND ACTIVITIES Objectives and aimg Supported by our numerous deAJitated volunte¢r& BAPS Chatities airn5 to: - provide health awarene&8 Outreach pro8rarm¢s build self-5UPPOrting educational instiDJtss and help sust2in existin8 edU￿￿o￿al plo￿arnMe$ to prov2de quality, value•b05¢d education for childre - proiect our nawral resources by ¢wtin8 ITmovative susta]nable solutions that Promote the responsible use of the caTth's eCosys￿rnS and resources - ¢mpower utsderprivileged girls and young WQEDen witb ¢d￿ation and skills to rnis¢ strong and UDitcd fllmilics aud in strengthen and stsbilise their l¢xal communities - invest in the futt￿ of neety children and youths by inspirin8 le8n)in& self-ttlian¢e, family respeci social responsibility, and tnor41 - provide immediate relief to survivors of naturnl disasters and r¢main in S¢TViC¢ Until the affecttyj cornmuniti¢S aTE reh4bilitatvJ and self-reliant Events conducted by BAPS Charltles In 2024 Due to ongoing circumstan¢es and aftennath relating io Covid-19 pandemic there were limit￿ activities conducted in 2024. The uwal spotts activities w¢re undertaken for children. Youths and AdulL%. Publit benefit In reviewing our aims. obj¢¢tives and pl8nning fittur¢ a¢tiviti¢& the TnL4t¢¢s hav¢ tsken into a￿Unt the Charity ComrnisSiQT)'S 8enerdl suidance ¢)n publi¢ benefiL Tr Tntst¢¢S 41ways ensur¢ that th¢ a￿l¥ltieS undenth¢n 8Tr in line with th¢ ¢haritsble obj¢Gtiv¢s and aiEns of the Chartty. One of the Foundation's principal aim and objtttive is io seTV?ce the needy indimduals, fainilies and eommunities in the UK and elsewhere by provide various &qsist8nce and services to these individuals and familie Volunteers, CODtributions in achieving the objedive5 of the Cbarity BAPS Charities deliver5 ITS Services with the h¢lp of 5ubstsniial volunteer network b￿. The volunteers are OTganised through & framewo￿ involving National. Regional. and Area C￿ordInatOrS. The volunteers play a vits] role in thc fund raising activities of the Charity. Page I

BAPS CIL4RrrtES (REGISIEREDNLffviBEIi. 06547657) REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31ST DECEMBER 2024 FINANCIAL REVIEW Reserves Poll The Board of TLUStees conducts an 2Lnual Teview of the level of vnrestricted Teserves in the g¢neTal fund by considering risks associated with th¢ vaTiOUS incom¢ Stre￿$, cxpendttr plans and balance 5be¢t ite]Ls. This enables an estimate to be ll￿de of the level of reserve5 that are sufficient: - to allow time for re-organisation in the cvcnt of a dowDtyrn in income or &8set value - to protect ongoing work programme. and - to allow the Cbarity to meet its obJe¢tives Risks And issues Considered by the Board of Trust￿ in maldng thi5 judgement OD the levet of Dnre5tricted reserves include: - likelihocd of a doHmbJrn in inwmc streams; - pertod of time required to re-establish income streams: - p¢rtod of tTme requtred to downsize th¢ Charity operations. - wlietheT there is adequate control OV¢Tbudgets: - ptstential decreas¢ in the value of the investment wrtfolio: and - Tequir¢m¢nts for a reasonable level of workin8 ￿pItal. Finaneigl Re￿e￿ Th¢ Statemeni of Financi￿ Activities (SOFA) shows the wgs its¢om¢ received from all sources and the split of a¢ryvity b¢￿een restricted and unrestricted fiuth. Incoming resourees: Due to no limited aeiivities ¢ondu¢ied in the eurrent year the leve] of incoming resources have tmproved during the year. The Trustees expeei hi8h¢r level of in¢ome as the sitLthtion relating to Covid-19 pandemio improves as the years go by. The Charity's activities are r]n8nced by bjnds t7ised through.. - Voluntary in¢orne- donations - Activities for generating fjjnds income- donations- DonatioDS are received for the getfftl operation of the Charity. Activities for eneratin fijnds.. These f&ll under two categories: - Donatiotts received from voluDteets and getera] public - Sponsored spons and other activities Tre&w managemeni- intertst Teeeivable Tht Trusle¢s utilise tern) deposit accounts to M￿lmi￿ the amount of interest earned on tash balances held. STRucfuRE GOVERNANCE AND MANACEMEpfr Coverning document The charity is conlTollcd by its governing documeni a Memornndum and Arti¢les of Associarion inco￿orated on 28th Matth 2008, and constitutes a limited company. limityj by svarantee, &$ defined by the Compatites Act 2006. Structure, Governance and Monagement The Board of Trustees is responsible foT the mJnag¢ment of th¢ Charity. Recruitment and appointtnent of neiv trustees The body responsibl¢ for the management of the Chariry is the B0￿d of Trusttts. Pot¢fttial new trusree5 aTe periodically identified by the Board of Trustees. Th&se individuals work ajongside existing Trust￿5 for a suitable peTiod before considering their appointrrtenL Condutt of optrntioo$ The day-t¢rday management of the Cbayity is conthjcred by the Tru5tcc& The Charity is based in thc UK ond has its head office in Neasd¢n. Londorj. Page 2

BAPS CHARrrIES (REGISTEREDNUMBEIL. 06547657) REPORT OF THE TRUSIEES FOR THE YEAR ENDED 3 1ST DECEMBER 2024 REFERENCE AND ADMINISTIi4TIVE DETAtLS Reoistered CL>mpany number 06547657 (Englattd and Wa]es) Registered Charity number 1123367 ReEiStered office 54-62 Meadow Garth Neasden London NWIO 8HD Trustee5 Arvindkumor P Patel Mukesh Patel Niiiti Palan Sanjay Kara Company Secretary M G Patel Independent examlner Manesh Shah FCA PSJ AlexaDder & Co Charrered Accountsnts l Doughty Street London WCIN 2PH Bankers The Royal Bank of Scothnd PIC 354 Ststion Road Harrow HAI 3x2 Sollcltors Hugh. CarNTight & Amin 12 John StreeL London WCIN 2EB PLANS FOR FLryURE PERIODS Th¢ Trusttts wish to maintain the concinu¢d Su￿¢$$ achieved by BAPS Cljarities in deliverin8 its aims and objectives. The Trustees would like to acknowledgt tht trtmtndous efforfs of the Yolunteers and the many supporters of tbe Charity for their land and generous donations. by order of the b si￿￿ on its behalf ty. P Patel- Trustee Page 3

tNDEPEfiDEwf EXAMfNER'S REPORT TO THE TRUSTEES OF BAPS C￿(￿uTIEs (REGISTERED NWMBEL. 06547657) Independent examfiner's report to the trustees of Baps Cbarities fthe Company I Teptsrt to th¢ ¢haTity onmy exam1r￿0ll of the accounts ofthe Company for the year 31st December 2024. Responsibilities and basis of report As the charity's of the Company (and also is dircciors for the putpM)ses of company lawl you aff ffsponsible for the Preparntion of the accounts in accordance with the reqUIr￿ts of the Co]llpaDie5 Act 2006 Cthe 2006 Acti. Having satisfied myself thai the accounts of the Compaty are noi required to be audited under Port 16 of the 21K)6 Act and are eligible for independent eXami￿tio￿ I report in rwt of my examil￿tion of your charity's aceounts as carried out under Section 145 of th¢ Charities Act 2011 (tbe 2011 Acf). In ca￿1ng my exaM[￿tiOn I bave followed the Directions given by the Clwity Commission under Section 145{5) (b) of the 2011 ACL Independent examiner's statement I have ¢ompleted my examiwtioTL I confirm that no m8tteT5 have come to my attention in connecttoD with the exarnination giving me cause to believ¢.. accounting recor￿ wer¢ noi kept in respect of the coM￿Y as requitsj by Section 386 of th¢ 2006 ACL or the accounts do not accord with those records. or tb¢ accounts do noi comply with th¢ ac¢ouniitig requiTrnts of Section 396 of the 2006 Act other th any requirnent tbat lh¢ accounts give a true and fair view which 15 not a matter corLsidered ls part of an independent examination,. or the accounts have not be¢n prepared in accordance wtth the methodg and princip1¢5 of the Ststement of Recommended Practice for accouftting and reporting by charities (appIl￿ble to ¢hariiies preparing their accounts in o¢cordance with the Financial R¢wting Stynd#rd applicable in the UK and R¢publi¢ of Irejond (FRS 102)). I have no concerns and hav¢ come across no other matters in connection with th¢ examimtion to which attention should be dTawn in this report in order to enable A proper Unde￿ding of the accounts w be Tea¢hed Manesh Shah PSJ Alexander & Co l Doughty Street London WCIN 2PH 24th Lig Page 4

STATEMENf OF FINANCIAL ACT[Vi￿S FOR THE YEAR ENDED 3 1ST DECEMBER 2024 2024 Totsl funds 2023 Totsl funds Restricted fi2nds nd Notes Donations and leoacies 121224 121,224 106.388 tnvcstment income 44J89 29.067 Totsl 165,613 165,613 135,455 EXPENDrruRE ON Charitable &ctivities Chartrable A¢tivities 84,037 84,L137 39.122 Other 35611 336D 3,201 T(Jtal 87,$97 87597 42,323 NET INCOME 7&016 7&016 93,132 R£CONCtLtATION OF FufiDS Totsl £tEllds bTDught forward 1,012J96 j,012￿96 919,464 TOTAL FUNDS CARRIED FORWARD 1,090,612 1.090,612 1,012.596 Thc notcs fotm Part of th¢se fina￿]81 statements Pagt 5

BAPS CHARirtES IREGISTERED NUMBEIL. 06547657) BALANCE SHEET 31ST DECEMBER 2024 2024 Total funds 2023 Total funds fimd Notes FIXED ASSETS Invesmients 910,IMIO 910,000 869,975 CURRENT ASSETS Debtors Cash at bank io 21W7 159.754 21.887 159,754 IB.100 125,730 181,641 18J.641 143,830 CREDITORS Amounts falling due within one year (1.029) (1,029) (1209) NET CURRENT ASSETS 180.612 180.612 l42,62l TOTAL ASSETS LESS CURREPU LIABfLfnES I,IMI.612 1,090,6J2 1.012,596 NET ASSETS 1,090,612 1,090,612 1.012.596 FUNDS Unrestricted funds 12 1,090,612 E.012,596 TOTAL FUNDS 1,090,612 1,012.596 The charitable company is entitled to exemption from audil und¢r Seaion 477 of the Companies Act 2006 for the year ended 31 gt December 2024. The members have not required the company to obuin all audii of its finan¢iaE swements for the year ended 31st December 2024 in accordance with Section 476 of the Companies Act 2(rt)6. The trustees acknowledge their responsibilities for lal ensuring that tbt Charitable company keeps accountiD8 records comply with Se¢tiODS 386 and 387 of the Companies Act 2006 and preparing financial sT8t¢m¢nts whtch give a bue and fair vtew of the stste of affairs of the Charitable company as at the end of each finan¢ia] year and of its surplus or deficit for each financial year in accordance with the Nuirements of Sections 394 and 395 aDd which otherwise comply with the requirern￿ts of the CompaDie5 Act 2(￿ re￿ting to financial statement4 so far as applicable w th¢ charitabl¢ ￿m[jAny. (b) These financial ststements have Eeen prepared in accordw with the provisions applicable ￿ charitsble companies subject to the Sm￿1 ¢ompafties regime. ancial statements w n its b¢half by: approved by the Board of Trusrees and authorised for issue on and wtre umar P Patel- Trustee Sanjay Kard- Trustee The no￿£ fomi part of these financial ststernents Page 6

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 3 1ST DECEMBER 21Y24 STATUTORY INFORK4TION The charity conSti￿leS a limited company> limited by guaT3ntee, as d¢fmed by the Companits Act 2006. It is controlled by its governing docuTDeaL a Mernoyandum and Articlts of Association iucorrN)rated oll 28th M￿ch 2008. It 15 registeted with the Charity Con]mission under the number 1123367 aud with the Companies Holl￿ ￿der the re￿strdti0ll number 06547657 {England and Wal¢s). ACCOUNTING POLICIES Bosis of preparing the finane121 statements The finall¢ial statements of the eharitsble company, whicb is a public benefit entity under FRS 102. have been prepared in accordance with the Charitie5 SORP IFRS 102) 'Aecounting and Reporting by Charitie>.. Ststement of Recommended Prn¢li¢e applicable to chaTiti¢S prewing their a¢¢ovnrs in accordance ￿ryth the Financtal Reponing Sralldard applicable i the UK and Republic of treland (FRS 102) (effective l January 2019).. Financial Reponints Standard 102 'The Financi Reporting Stamdard applicable in the UK and Republic of treland. and the Ctsmpanies Act 2006. The flljancial statements have been prepared under the histOriC21 COM eorhvention, with the exception Of inv&sunents which ar¢ iDdud¢d at market value. GoSng cL)n¢ern The truste¢s Consider thai there are no Ma￿la1 unc¢￿7n￿e6 about the charitable compatsls ability to continu¢ as & going on¢¢m. Income All incoming resources tre included on the Ststement of Financial Acttvities when th¢ charity is legally entiued to the ?n¢ome and the amount can be quantified with reasoDable accuracy. Private donarions Fun&8 received by way of privace donations are CTedited to the sts¢em¢n¢ of Financial A￿1VitieS in the year Tn which they arc received as a ¢orttributiOtt towatds overheads. Where rax h&% b¢¢n d¢du¢ied at sourcc, inwme 15 grossed up in w¢$ where tLx has been reclaimed from the autboTities. The thx ￿0VerabLe is showts as a debtor at th¢ year eD¢I Investment income includes it)ter¢sl received on cash deposits. D¢)natiODS in kind such gs fjxed assets are included as income at their market values. Other doDations are recognised wlien received. Th¢ value of voluntary servi¢es is noi recognised as the ￿$1 of estimating these exc￿1 any benefits to th¢ users of thes¢ financial statements. Expenditure Expenditure is accounted for on an accTuais basis and has been classified under headings t1￿ aggregate 811 cost related to the category. Wher¢ cosrs cannot E¢ directly attrsbutrd to particular h¢8diogs they have been ￿lIX2t¢d to a¢tiviti¢s on a basis consisreni with the use of resources. The Irre￿ver&ble element of VAT is included in the expenses to which it relates. Tgx2tion The charity is a re￿stered charity and therefore is not liable for income tax OT coTroration i¢S illCOTM4 as it falls within YotL8 exemptions available (o re￿stered charities. FuDd accoUnti￿g Unrestrtcted funds can be used in a¢cordaD¢e with th¢ charitablc objtttivts * the discretion of the trustees. Restricted funds can only be used for particular restricted purposes within the object5 of the charity. Restrtctions arise when specified by the donor or when are rniged for p￿iCularresti1cted pu￿oseS. Further explanation of the nature ￿ put])ose of each fimd is Includ￿ in the nor¢s to th¢ fill2ncial statements. Foreign ¢urren¢ies Assets alld liabilities m foreigtt cunrncies traT￿lated into sterling at the rdte5 of excbEnge ruli￿0 at the bal*]ce sbeet dat¢. Trnnsactions in foreign ¢￿TencieS are trdnslated inro slerling a the Tate of exchanse at the date of transactio Exchange th"fferences 8re takeo into acwuni ID atrivingat the operati￿￿ ￿￿ulL Page 7 conttDue(L..

NOTES TO THE FIbtANCIAL STATEN. (ENTS_ continued FOR THE YEAR ENDED 31 ST DECEMBER 2024 ACCOUNTING PoLIc￿s- contittued Investments Cash beld in fixed tenn deFesit ac¢ounts exceedincr One year atE cla&sified as Fixed Asset Invesments xs they are generatly held with the overall inlcnllon of TetsininE long tern] (i.e. Ls FTxed Assets) for the continuing benefit of the Chrity in the forni of income and capits] appreciatton. Cash 2t bank and ID hand Cash at bank and cash in hand iKludes IMA￿te access and overnight bank deposits. All other depostts are included as teTm deposits. Creditors and provisions Cr¢ditOTS &nd prc)visions arc recogniscd where the ¢h8riry h&s a preseDi obli8ation resulting fro)n a past event that will probably rwlt in the transfer of fi￿dS to a third party and the amounr due to settl¢ th¢ obIigatt'on can be ineasured or ¢Stirnated reliably. CTeAitors and PT0ViSiO￿$ are reco￿1$1 at their settlement amowJL Debtors Trdde and other debtors are recO￿lsed At the settlement amount due after any trad¢ discount off¢red Pr4)#ymettts are valued at the amount prepaid net of any trade dis¢ounts due. Grant msklng activitles As part of its congreg8¢ion81 activttiss. BAPS Chartries makes grants 10 orsanisaiions whose aims attd obj¢¢tives aTe STrni18r to those of BAPS Charities in order to pror¢￿te their activities. BAPS ChgTili¢s considers that these 8rants contribute to its achievements of its ainL% and objectives. The wi-makillg policy is 8$ follows: l. The Trustee5 apply the funds of BAPS Charities 8t their disc￿Li0n and in awrdan¢¢ with the ¢h8ritsble PUTposes and objectives of the charity. Any decision whether to aTNaol a gr4nt remains solely with the Tn￿[￿$. 2. The amount or number of projects that can be supported by the Trustees 15 limityl to th¢ amount of fi)nd$ that are available for distribution each year. 8fterallowirt8 for ongoing expenditure ofthe aiarity. 3. GranTS ètt made for th¢ direct or indittct th¥n¢etllent ofthe Elilldu faitb across the world parti¢ulorly in UK pnd Indi&. In awarding the grants. the TnJses will apply the followingprinciples: - io eonsider any requesi from >my area within U - io consider each request on its OWD TDeriL - to ¢arry out due diligence (o ensure that the Tequest meets bgth the ¢haritable purpose 8nd th¢ priorities. DONATTONS ALYD LEGACTES 2024 2023 Donations 121,224 106,388 2024 2023 Deposit account interest 44J89 29,067 continued..

BAPS CHA]UT]ES NOTES TO THE FfNANCLAL STATEMENTS. contirLwI FOR THE YEAR ENDED 31ST DECEMBER 2024 CILIRITABLE ACrnITTIES COSTS Direct Costs Charitsble Activities 84,037 SUPPORT COSTS Fin8nce Other Tota]s OtbeT resources expended 325 34 359 TRUSTEES, REMUNERATION AND BENEFITS There We￿ no tJwl¢￿, remuneration or other EtnefiL% for the year end￿1 3 1st December 2024 nor for the ye8T ended 3 1st December 2023. Trustees, expenses There weTr Jo ttustees, expenses paid for the year ettdtra 31st December 2024 Dor for th¢ ycaj ended 31st December 2023. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITTES Unr¢stric*d fund Restricted fi￿d$ Totat fijnds INCOME AND ENDOWMENTS FROM Donations and128aci¢s 106.388 106,388 Inv¢son¢nt income 29,067 29,067 Totsl 135,455 135,455 EXPENDITUIiE ON Charltable a¢tivitie$ Charitable Activities 39.122 39.122 OtbeT 3,201 i201 Total 42223 NET INCOME 93,132 93.132 RECONCtLL4TION OF FUNDS Torxl funds brought fonwd 919.464 919.464 TOTAL FUNDS CAKRIED FORWARD 1.012.596 1,012,596 Continued...

BAPS CILIRETIES NOTES TO THE FtNANCL4L STATEMENfs. Continued FOR THE YEAR ENDED 31ST DECEMBER 2024 FIXED A&SET INVESTMENTS 2024 2023 Value atthe start of the year Additions Dispos 869975 201.707 (161,682) 8SO.000 869,975 (850,000) Value at thc end of the year 910.000 869,975 There were no inves(ment assets outside the UL Th¢se are invesknenLS in bank fixed d4)osits which at rnatiuity are reinvested. io. DEBTORS: AMOUNTS FALLING DUE wrriiiN ONE YEAR 2024 2023 Prffpayments Lnd a¢crued income Prepayments 20,687 1200 18,100 21887 18,100 ii. CREDrroRS: AMOUNTS FALLING DUE WITHIN ONE YEAR 2024 2023 Trad¢ creditors 1,029 1,209 12. MOVEMENT IN FUNDS Net movement in funds At 31112124 At 111124 Unrestricted funds G¢neral fund 1,012596 7&016 1,090,612 TOTAL FUPWS .012.596 78.016 1,090,612 Net movement in futth. included ID the above 3$ ftsllows: lttcoming Resources expended Movement in funds Unr¢$trirted funds General fvnd 165,613 (bTS97) 78,(116 TOTAL FUNDS 165.613 (87,597) 78,016 Page 10 continue(L.-

BAPS CHARrrIES NOTES TO THE FINANCIAL StATEfvtENfs. corytiDucd FOR THE YEAR ENDED 31 ST DECEMBER 2024 12. MOVEIIIENT IN Fuf4DS- contillued Comparatives for movemtnt in fvnds Nct movement ID fw)ds At 311IY23 At Iiir23 Unrestricted funds General fijnd 919.464 93.132 1,012596 TOTAL FUNDS 919.464 93.132 1.012,596 ComparAtive net movement in funfty included in th¢ above are &$ follows: Incoming Resources expended Movcment in fund5 Unrtttricted funds General fijnd 135,455 (42.323) 93,132 TOTAL FUNDS 135,455 (42,3231 93,132 The Charity's IndePend￿t Exominer did not charge for their services during the cwrent year. Thc estiinat>A valu¢ of thes¢ s¢rvi¢e5 is £3201 (2￿. £3201). 13. RELATED PARTY DISCLOSURES The charity uses the premises owned by Nilkanth Esta￿ fr¢e of dwge. Both of these charitic5 have a ¢orm]on trnslee. Nilkanth Estates is & charity registered in Enuland and Wales Paoell

DEfAILED STAfEPTriENT OF FtNANCIAL AcfIvITtES FOR THE YEAR ENDED 31 ST DECEMBER 2024 2024 2023 INCOME AND ENDOWMEprrs Donations and legacies Donations 121224 106.388 Investment income Deposit account ittterest 44J89 29,067 Total ineomine resources 16S,613 135,455 EXPENDITURE Ch*ritable aetivltles Insuratt¢e Subscriptions Donations Security exp¢nses PTinting for sponsor¢d w&ik Health and Vitality exp Youth activity BKYS Organ donation projea ¢xpense Tea¢hiAg expenses Tropbi¢s Spotts equipment Medical expenses suppoff Elderly Care Group Food ¢xp 646 551 578 756 501 35 2,475 6.417 24.250 278 l.Ol4 35 15143 38?75 78 1.252 I.IS7 41252 84,037 37.556 Other Profession￿ fees 3301 3,201 Support ¢o$ts Flnance Bank charge5 325 510 Other Sundrtes 34 1,056 Totsl resources expended S7￿91 42.323 Net SD¢ome 78.016 93.132 This page dct5 not forni pan of the mtytoryfinancial s￿ements Page 12