2023-05-31-accounts - Accm (UK)

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ANNUAL REPORT
— Supporting communities, enterprising minds and active citizens 1[ST] JUNE 2022 to 31[ST] MAY 2023

ACCM (UK) Cauldwell Community Centre 51A Althorpe Street Bedford MK42 9HF Tel/Fax: +44 1234 356 910 Mobile: +44 7712482568 Email: info@accmuk.com Website: www.accmuk.com

Twitter: @ACCMUK Facebook: ACCM UK

Charity Number: 118904 Company by Guarantee Number: 06584024

Contents Page

Highlights from the Chair	3
Outputs and Milestones	4
What we did	5
What we did during 1stJune 2022 to 31stMay 2023	5
Tackling all Forms of Abuse	5
One to one user analysis	5
Victims Voices Heard	7
Building our Track Record	9
Tackling Health and Wellbeing Inequalities	9
The Queens Platinum Jubilee Celebration	9
Reaching out to the Elderly	10
Bedford African Community	10
Diabetes	11
Nutrition and Cooking	11
Coffee Mornings	11
Skills and Development programme	12
Day Holiday Trip to Great Yarmouth	12
Organ Donation	13
Living Well this Winter	13
Covid- 19 and Vaccine Awareness	14
ESOL and IT Programme	15
Community Radio	16
Movement for Good Funding	16
Working with other Communities	18
Challenges and Opportunities	20
ACCM (UK) Finances and Grants	23
Our Plans for Next Year	24
Service Users’ Comments	25
Album	26

HIGHLIGHTS FROM THE CHAIR

The Charity has been waiting for this move since March 2020, when the Lease was granted, but due to covid-19 virus outbreak and subsequent lockdown, the move has not been possible. The Centre was also broken into several times during lockdown meaning that after end of lockdown in March 2022, making it difficult move in, until work on the Centre had been undertaken by the Council enabling us to make the important move. to undertake a lot of refurbishment and repairs before we could move in. This move took place in November 2022 to what I snow the Charity’s main home. This is brilliant news for our users and stakeholders, who will now have access to great facilities, especially the large hall and kitchen. We also have started to draft and agree on the Terms of Reference for the Management of the Centre as ACCM (UK) on currently the tenant that will be supported by a new Management Committee in running the Centre. We are all looking forward to this opportunity.

As Chair, I am proud of ACCM (UK) reaching this milestone during difficult times of covid-19 lockdown and after, not just supporting our important users but being able to raise relevant funding to continue making a difference to our users’ lives. The highlight in our fund raising is raising £50,000 non restricted funding from Lloyds Bank Foundation that made a huge different to our work especially the support the Charity received form its Enable and Enhance Programmes. The Enable and Enhance Programmes fully funded by Lloyds Bank Foundation, enabled the charity to undertake its various events or activities by learning and sharing information and good practice with other organisation through Peer to Peer Programme or via Tema/Webinars with appointed Consultants form Cranfield Trust. These limited risks as well.

Our reaching out to make a difference, continued to help break down barriers, tackle abuse, improve access and use of statutory services that enabled us to reach over 4,000 beneficiaries with limited staff and financial capacity. We therefore do not work in isolation, and work with a wide range of local partners helping them to understand the needs of the local BAME community.

I am also proud of its operations, progress made and continuing growth in delivering services, its strength and health is due to the leadership of the Director, support, and inspiration of her team of staff and volunteers my fellow Trustees and our funders, supporters and partners making it all possible to meet our objects and goals. We do acknowledge there will be risks in our new Centre, but with support form Lloyds Bank Foundation, Locality, CVS and other consultants we should be able to manage these risks.

We are particular very grateful to the Bedford Borough Council supporting the Charity with provision of office premises rent free. Now that we have made the move to the Centre, we hope that the Council will now complete its works quickly to make the Centre fit for the purpose as a Community Asset.

As we look ahead in our new home, we see opportunities and challenges, especially funding as the funding environment has become so competitive since end of lockdown. As we have managed to succeed in the last 15 years, we should be able to achieve, grow and succeed again in the next 15 years on behalf of our users.

On behalf of my fellow Trustees, I would like to thank the Director, staff, volunteers, users and supporters and most importantly our funders especially Bedford Borough Council, Compass Wellbeing CIC, Lloyds Bank Foundation, The Panacea Charitable Trust, The Harpur Trust, ScrewFix and more, who have provided us with important grants, that have made it possible for the project to continue being successful. I look forward to committing myself as Chair and serving ACCM (UK) for another successful and fulfilling year.

Tarsim Kalyan Chair / Director

Platinum Jubilee Celebration

International Women’s Day

Trip to Great Yarmouth – 33 Trip to Parliament – 16

Bedford African Community Event – 600 attend

ONE TO ONE SUPPORTED CASES Domestic Violence 113 cases FGM/HBV/FM 11 cases Sexual Abuse 15 cases Legal Advice 33 cases Mental Health 280 cases No recourse to funding 26 cases

‘REACHING OUT TO MAKE A DIFFERENCE’

Highlights of the Year – 1[st] June 2022 to 31[st] May 2023

Tackling All Forms of Abuse

One to One User Analysis

“Without ACCM (UK)’s support and help I and my children would have been sent back to Pakistan because my abusive ex-husband’s did not like the arranged marriage, cancelled my visa as he wanted to marry someone else.” Ms F

The need for us to provide emotional and practical support, to victims of all forms of abuse between June 2022 to end of May 2023, was very challenging and greater than even before. The community we serve was under more stress during and after Covid lockdown, as victims spent most of their time in doors with abusers, some of the abusers were children, as there was nowhere for them to go or friends to play with to occupy their time especially in families that did not have internet or computer for home learning.

Despite end of lockdown taking place in March 2022, it took a while for people to start venturing out. What we have now established, is that when something like Covid-19 or a pandemic hit and there is lockdown, the impact trebled for victims of abuse, especially if they no recourse to funding or that most statutory support services were working from home or not open and victims with languages issues did not know where to go. The Lockdown had intensified their problems as service that would help them such as Home Office or legal advisers or temporary accommodation had not opened fully after end of lockdown.

Through our One to One support services, face to face or by telephone, we established that fear about immigration status or being separated from their children, also deterred people from getting help or the care they needed. There is also lack of knowledge of how the system works or fear of involving authorities as it may make their challenging situation even worse, made it difficult for victims to seek help or flee sooner.

During the period June 2022 to May 2023 we supported following beneficiaries:

We supported around 264 victims of abuse
Majority, 107 were victims of domestic violence with 10 victims of sexual abuse
Provided telephone or face to face counselling for 65 users
210 of the victims suffered from different forms of mental health ranging from anxiety, stress or trauma
We worked closely with Bedfordshire Police, YMCA, One Housing and Bedford Borough Council to provide emergency housing for 32 victims fleeing abuse.

Analysis of victims:

Reason for referral of seeing us - Some will be counted more than once	Reason for referral of seeing us - Some will be counted more than once	Reason for referral of seeing us - Some will be counted more than once
	No	%
Domestic violence	113	16
Sexual abuse	15	2
Mental Health	280	35
Modern slavery	2	0
Counselling	71	9
Information / support	75	9
Helped into employment or education	9	1
FGM/HBV / FM	11	1
Children–Child Protection	3	0
Social Benefits / No recourse to fund- ing	26	3
Housing/Benefits	34	4
Legal	33	4
Bereavement	4	1
Multiple reasons	121	15
Total	797	797

By Gender:

----- Start of picture text -----
Indetified As by Gender
22%
78%
Female Male
----- End of picture text -----

By Faith	By Faith	By Faith
	No	%
Moslem	230	64
Hindu	24	7
Christian	69	19
Sikh	11	3
Ravidassia	25	7
Not known	1	0
Total	360

Race ~~=~~	Total % ~~=~~	Total % ~~=~~
African/African Carib- bean ~~=~~	45 18 ~~=~~	45 18 ~~=~~
White British ~~=~~	32 13 ~~=~~	32 13 ~~=~~
Pakistan ~~=~~	150 59 ~~=~~	150 59 ~~=~~
Bangladeshi ~~=~~	37 14 ~~=~~	37 14 ~~=~~
Chinese ~~=~~	3 ~~=~~	1 ~~=~~
Spanish ~~=~~	9 ~~=~~	4 ~~=~~
Spanish East Europeans ~~=~~	26 10 ~~=~~	26 10 ~~=~~
Arabs ~~=~~	8 ~~=~~	3 ~~=~~
Indians ~~=~~	41 16 ~~=~~	41 16 ~~=~~
Unknown ~~=~~	9 ~~=~~	4 ~~=~~
Total ~~=~~	360 ~~=~~	360 ~~=~~

----- Start of picture text -----
By Age
120
100
80
60
40
20
0
18 - 26 - 36 - 46 - 56 -65 66 Not
25 35 45 55 and known
over
----- End of picture text -----

Summary of Data

Majority of the victims were aged between 36 and 45 years old.
56% were of Pakistan origin
44% were of Moslem Faith

Victims’ Voices Heard:

Many victims have said to us that:

“ I fled domestic violence, a friend of mine who was helped by ACCM UK took me to them. I am now in safe home and learning English and computers to rebuild my life Thank you ”

What Victims/Survivors told us:

“I was abused beaten; I had no where to go. ACCMUK helped report to police, found me a refuge to move in straightaway. I was given one to one support counselling and some items to get me started at the refuge, helped with the NMO as I was abused, helped me with benefits when I got my own flat. I was encouraged to join their ESOL classes, helped with CV and I now have a paid job. Thank you ACCM (UK).”

“I was forced to marry my cousin abroad When I come back I got in touch with ACCM UK who helped me report this crime and protect me by getting a forced marriage protection order, I was helped with legal aid and costs involved, I was helped to flee safely to a safe home where now I am comfortable and having one to one support over the phone and counselling provided by ACCM UK. Thank you for understanding me and the sensitive cultural issues”.

“I was mentally, physically going through a traumatic time, I was referred to ACCM UK by my local Cllr, honestly after receiving support from them I see light at the end of the tunnel.”

I was a victim of honor-based violence and forced marriage. I was refereed by Bedfordshire police to ACCM UK after end of pandemic lockdown. I was pleased I found ACCM UK who gave me face-to-face counselling, and all the support that was needed to rebuild my life up again. Honestly Rehana was a super star in my life she really gave me hope and supported me through my most difficult time. Thank you ACCM UK for being here for me blessed to have you.

“I am very grateful that I have had support from ACCM UK charity of humanity Thank you “

“I am a victim of DV I was in need ACCM UK helped and supported me Thank you “

“I am was in need and had no support for me and my children thank you for your ongoing support “

“Thank you for the food parcel in this difficult time I am very happy “

“Thank you very much ACCM UK for the food parcels “

“Karan said a big thank you as I am particularly sighted and cannot get to the shops”

Tackling Health and Wellbeing Inequalities

The activities, sessions and workshops are developed in response to our existing work and ongoing input from our users and community members. In planning to engage with communities who are often hard to reach and who had been seriously impacted by Covid-19 lockdown and other issues on their lives, we organised open events including:

• The Queens Platinum Jubilee Celebration

After lockdown and fear of covid-19 virus, the only event that would bring communities back out in the streets or halls to celebrate was The Queens 75[th] Jubilee Celebrations. ACCM (UK) in collaboration with Bedford African Community groups, organised a multicultural event on 3rd June 2022 at Cauldwell Community Centre with aim of encouraging diverse communities in Bedford to come out, have fun and celebrate, relax with others while celebrating The Jubilee. Around 450 people attended. According to the Mayor of Bedford, the High Sheriff, Local MP and Deputy Lord Lieutenant, our Jubilee Celebrations Event was the best in Bedford and Luton.

“The High Sheriff, Lady Crawford said 2,, I am not happy to leave early for another event but this was the best event I have attended so far, with the man eating fire. It was amazing..”

“Celebrating Platinum Jubilee has enabled diverse communities to come out again after lockdown. Well done ACCM (UK) and Bedford African Community. Music and drumming were great.” Mayor of Bedford

Sir Clifford, far left, Lady Clifford – Bedfordshire High Sheriff with hat, with ACCM (UK)’s staff and Trustee

• Reaching out to the Elderly:

Organised Elderly Event in partnership with East London NHS Foundation (Recovery College) and Age UK on 23rd May 2023. ACCM (UK) promoted the event amongst minority elderly communities in the Bedford and surrounding areas and provided refreshments. 45 people attended with 4 health awareness and virus -vaccine Programmes, stalls, and health exercises. Feedback included:

‘Absolutely loved it, has helped me get out.’

‘I have not seen my neighbour since 2020 and delighted to meet her here again.’

“I have not seem my friends Phyllis for two years and coming here was a great thing as I have met her and we cannot stop talking …”

• Bedford African Community

“This is the first time for my family to come out into the town centre. Thank you for organising the event to get people out again”

On 24th September 2022 ACCM (UK) in partnership with Bedford African Community Groups organised Bedford African Day Event at the Harpur Suite, in the town Centre. This has been a very popular town centre event that attracts on average over 600 people to bring Bedford African and diverse Communities and some from as far as London, Leicester, Northamptonshire, Luton, Milton Keynes, Cambridgeshire, together share the African culture of music, food, dance, magic, storytelling and colourful costumes and more. In 2022/23, we had over 700 people attending with many telling us it is the best event ever with just over 13% telling us it was their first time they have come out of the house into town centre since lockdown.

“Are there any classes for Africana culture, especially music and story telling in Bedford so my children can learn something about their heritage?”

“The costumes are so colourful and different from different countries!”

• Diabetes

In June 2022 we organised health and wellbeing session on diabetes in Queens Park, for 31 people, mostly elderly or their carers to update knowledge of how to cope and manage their diabetes. It has been difficult for many, especially those who don’t speak English in accessing GP support. This event was crucial to reassure them and have some checks from the Diabetes Nurse.

• Nutrition and Cooking

Moving to Cauldwell Community Centre, has enabled the Charity to start providing nutrition and cooking sessions. Covid-19 lockdown impacted on many vulnerable people who were already living under poverty even before covid-19. The lockdown made live difficult for many especially the elderly and those from BAME communities. The economic hardship that followed end of lockdown as some could not return to work meant that their lives became harder. Due to lockdown majority of food items, power supply and common items needed became expensive meaning that majority of our users struggled with high cost of living. To do our bit to help, we started running nutrition and cooking a healthy meal on a budget and where to shop for cheap but healthy items.

We ran ten session and 11 people attended, majority from migrant communities many form our ESOL Classes.

Enjoying the cooked meal

• Coffee Mornings

The Charity continued to run Coffee Mornings after end of covid lockdown from May 2022 at our previous offices at Woburn Street. These often attracted around 35 people mainly homeless White men, who were provided with other support services such as counselling or support into

housing. Surgeries were also held on legal advice, benefits or health checks with a pharmacist who also gave advice on medication if they were on long term mediatisation.

We moved to Cauldwell Community Centre in November 2022, and in January we started the Coffee mornings sessions, run on Thursdays from 11.00 am to 12.00 pm. Occasionally we organised with statutory service providers and other organisations to hold stalls to share information. This was bringing service providers to the community.

• Skills and Development Programme

Our Skills and Development sessions support people who are not economically active or have lost their jobs to train in new skills, build confidence in searching for or changing careers into new areas.

In the Year 2022/2023 we had 22 Learners on the programme funded by SEMLEP. Since the programme started in 2019, the Charity has supported over 258 people into employment or volunteering and some have gone on to College in Bedford or Luton to continue their learning.

• Day Holiday Trip to Great Yarmouth Beach

As a Charity we are fully aware that some of our users do not go on holiday outside or have never seen the sea. We often plan a picnic beach day holiday for our users and their families. This was a popular trip before covid pandemic and restarted again after end of lockdown. On 30[th] July 2022 – trip for 40 families to the Great Yarmouth beach was organised.

Very successful as 11% said they had never been to the seaside or beach. Word of mouth is very powerful medium in promoting something amongst BAME communities as those who withdrew because due to lack of confidence in travelling that far or that their controlling partners or inlaws disapproved of them going to a beach where people walk nude, regrated missing out andnow wish to go on the next trip. This was the first every holiday for 6 of the attendees and a first to a beach for many.

• Organ Donation

During 2022 and 2023 we continued this work in partnership with Bedford Hospital holding open stalls in Bedford town centre and the Hospital, giving out information, and getting people from minority heritage to sign and they are fewer donors and highest demand. Reached over 200 people.

Living Well this Winter

The Charity in partnership with Kempston Local Councillors runs Living Well This Winter event for elderly people. Elderly people in particular those of Asin and African background often live in isolation and are not aware of any support or help available to them during winter times.

We run the event based on information giving and raising awareness by encouraging all relevant service providers, including Age UK, Health Watch, Public Health/NHS, Pharmacists, Fire Brigade, Community Safety Police to hold stalls to provide any information, advice, support that may help elderly to get through winter safely.

We also had NHS Nurses providing flue and vaccine jabs that were all taken up with more required and told to go to their GPs.

In November 2022 we help this event in Kempston with 43 people attending.

• Covid -19 and Vaccine Awareness

The Charity continued this important work in raising aware ness and promoting the vaccine as preventive measure to communities of East European, African and African Caribbean who had not taken up the vaccine.

This pandemic that ended in March 2022 amplified issues of food insecurity, rise in anxiety and mental health due to isolation and fear of the unknown. Social media continues to spread misinformation though majority of people are starting to understand the virus and to move forward with their lives. There is still some confusion amongst some vulnerable communities of African, African Caribbean and East Europeans, with most people now facing economic hardship due to high living costs as some lost their jobs or are now off sick due to stress or covid-19 itself.

The end of coronavirus (Covid-19) lockdown in March 2022 enabled the Charity to continue delivering services and support to our users, but this time organising face to face events, seeing users in our offices at Woburn Road before our move to Cauldwell Community Centre in November 2022. We held three vaccination days in Cauldwell and Kempston with 20 taking up vaccine either for the first time or second top up.

Faith Leaders continue to support eh campaign especially as majority of their elderly members have not returned. Coffee morning or activities in Faith Centres were planned to get people back out again especially in Miracle Church, in Alexandria Road.

Between June 2022 and end of May 2023, we reached out to around 750 users.

Challenges and way forward:

There are still challenges but they are not as prominent and complex as before end of lockdown. Majority of people are accepting the existence of the virus, and some continue to take up the vaccine for the first time as a preventive measure.
There are still others especially of African and African Caribbean or East Europeans who still feel anxious about the virus to the extend that some refuse to take their children to school and are home schooling them.
Some older children have also decided they are better off learning from home especially if they were bullied or did not like school life.

• ESOL and IT Programme

Although the pandemic lockdown brought our ESOL and IT sessions to a halt, these quickly resumed after lockdown as we already have a waiting list of learners. Session started at our previous Woburn Road offices in June 2022 and were moved to Cauldwell Community Centre in January 2023 with 25 Learners initially started increasing to 35 ESOL and 11 IT Learners.

By end of May 2022 some of the Learners who were now proficient in English and IT graduated with the Lord Luitenant as guest to hand out certificates in June 2022.

Some of the Learners receiving Certificates from Lord Lieutenant in purple suit

When we moved to Cauldwell Community Centre, ESOL and IT classes continued and we will have another group graduating in June or July 2023.

This was an exciting event for the Learners who took a walk to the Terence Higgins Library to learn about Bedford heritage A third of the Learners have never been to the museum before.

Out IT classes are to reduce digital inequality as some of our users, who do not have access to internet, computer or smart phone are unable to engage, use online facilities to shop, pay bills, make appointments, receive information or report crime or use social medial to meet others, communicate and engage in community events.

We were delighted to receive 10 laptops from TESCO via a partner organisations FACE. FACES received the laptops after the Mayor Dave Hodgson asked for support.

IT Classes

• Community Radio

Due to the difficulty in finding a volunteer to help manage and run the Radio coupled with Covid-19 lockdown we have not been able to restart our plans of launching the Community Radio Station. time ACCM (UK) has yet to launch its Community Radio set up in partnership with Capital Radio FM.

After moving to Cauldwell Community Centre, we are refurbishing our basement space to set up our Radio services there. We are in talks with local Groups who are interested in using the services for community purposes.

This will be a very important resource to have as we will be able to reach out to many house bound users and communities in various languages to promote our services, activities and current issues of interest and concerns.

• Movement for Good funding

ACCM (UK) was nominated and won Movement for Good Award in in June 2020 with £1,000 towards its work by the Bedfordshire Community.

Winning the Movement for Good Award means a lot to our users who benefit from our services especially during this Covid-19 difficult times. The award will enable us to continue providing essential service to our users. We are very grateful to our funders, supporters and users who continue to support us.

Due to Covid-19 Lockdown, the Charity was only able to attend the Ceremony at London Westminster Abby, that was attended by various organisations that were also winder. The HRH Price of Wales was hues of Honour.

The Charity was represented by the Director, who was able to meet other winners, share experiences and good practice.

Director at Westminster Abbey enjoying a chart with other attendees

ACCM (UK) works with a wide range of local, regional, national and occasionally international partners and networks to help support our community members, and also raise the issues that they face at different levels. Our work involves sharing learning, supporting outreach and crossreferrals with the following:

Bedford Borough Council’s – Working with their Safeguarding, Housing, Education, Adult Social Care, Equalities, Parks, and Public Health Teams. We support the Council’s Strategies to tackle and improve the health and wellbeing and safety of the Bedfordshire’s most vulnerable communities by running health and well-being programmes targeting minorities and vulnerable hard to reach communities promoting and running health and well-being programmes in community settings or liaising with Council officers to support victims of all forms of violence in search of protection, housing, benefits, or safer streets promotion. The Council also provides trainers to support our health and well-being programmes.
Bedford Luton and Milton Keynes (BLMK) Health / NHS – Joint work promoting current health issues or concerns, reaching out to minority and hard to reach communities to give out information either by organising Free Coffee Morning, or health and wellbeing events to improve health outcomes.
Local GP’s – Supporting health outreach checks, referrals in partnership with mosques, temples and community centres at times which are convenient to a diversity of communities and age groups.
Bedfordshire CAB and Social Benefits – To support people with financial hardships and interpretation or completing online forms.
Bedford College – Support with our ESOL and IT Learners and supporting learners back into employment and further education.
Bedfordshire Refugee and Asylum Support Services (BRASS) and Polish British Integration Centre (PBIC) – Both refer their beneficiaries to our ESOL and skills development programmes. BRASS works with new immigrants/refugees, some of them are victims of cultural practices such as FGM or child marriage and refers them to us to provide appropriate information on the law and support. PBIC also refers victims of domestic violence, to provide support into legal advice, housing or benefits if required.
Health Watch, Hidden Hearing, East London Foundation Trust (ELFT) – Recovery College – organising joint health and wellbeing activities.
Victim’s Support and Bedfordshire Police – Independent Domestic Violence Advocacy (IDVA) - working in partnership to support victims of violence.
Relate and The Samaritans – Ongoing referral pathways for our community members when in need.
One Housing, YMCA/IMPAKT and Women’s Aid Luton – Providing emergency housing for victims fleeing from abuse or homeless vulnerable people.
Local Religious and Community Leaders – Helping to promote our work with their communities and congregations and using their religious radios to make announcements and make venues available to our activities and workshops.
ACCM (UK) also supports local grassroots communities by offering them use of rooms or hall and kitchens to bring their communities together, hold meetings, have fun, talks to raise

awareness about issues of interest and concern, share diaspora, culture and faith and more. This is part of the Charity’s aim, to reach out engage and bring communities together especially in Cauldwell Community Ward that has many vulnerable grassroots communities or Italian, Est European, African, African Caribbean and South Asian. The Centre is for the community to access and use.

Through our track record we are recognised as having, this includes us regularly working with a range of partners, facilitating joint conferences, events, training, health talks and workshops with many of our partners listed above to address addressing emerging community needs. While maximizing cost-effectiveness, outreach networks and expertise, complementary skills set ensure quality standards and cultural sensitivity in addressing complex and sensitive casework or awareness-raising campaigns on issues such as suicide, forced marriages and domestic violence.

We also work with both the local Fire service and Park wardens to deliver sessions on home and personal safety, providing equipment and checks. These sessions are important for our community members, and we enable the local statutory services to engage them at grassroots.

Challenges and Risks:

Although the Charity has experience of delivering support, activities and sessions for our community, and also working with them to identify what is needed, there are still some risks and challenges involved including:

Though the move to Cauldwell Community Centre as our new home, there are risks as the Centre is located in one of Bedford’s most deprived Ward - Cauldwell, with many residents struggling with high living costs, elderly and most residents from migrant heritage, especially East Europeans, Asian and African or African Caribbean heritage.
The Centre is also seen as a liability acquired from the Council, that is responsible for the building, but takes a long time to make repairs or fix things damaged during lockdown or have been neglected before lockdown, when the Centre was locked up or broken into several times during lockdown.
Significant increases in demand – As highlighted demand for support has increased over the last few years, and we are seeing more users and community members that have or are facing multiple issues. Any significant increase in demand would put pressure upon our relatively small staff capacity. We would manage this through ensuring that staff receive the supervision and support required in the first place. Where required we may also introduce short waiting lists for support, to help manage any sudden peak. We can also reduce our awareness raising activities for a short period whilst we address any waiting lists. If demand continued to be high and above what would be deliverable by the team, we would look to increase capacity through securing additional grant funding supporting additional staff members or referrals to our partners or other agencies that may also provide needed support or help.
Development of the Community centre – we have secured the new building and are currently operating there. There are plans for refurbishing the centre on a staged basis to ensure that we can keep running services and support to our users. However, there is a risk that more significant refurbishments may be identified once any works start, and we need to be prepared to close part of the centre if required. As a contingency to this we would look to deliver more of our services in outreach facilities with partners on a short-term basis. This would ensure a continuation of our work and engagement with this most in need.
Succession planning - The current Director has indicated that she wishes to stand down at the end of 2024 and a new Director needs to be recruited in the next year to take over. The risk is when Trustees will be able to find suitable replacement. The Charity has spoken to ACEVO and Locality to get advice and support on recruitment of new Director. Locality has offered support towards drafting Job Specification, advertising and Recruiting. Lloyds Bank Foundation, who have provided non-restricted grants also offer support in this area.
Trustees, staff and volunteer training – As highlighted, currently the team of Trustees, staff and volunteers are at full capacity, which gives little time and space for developing their skills through training. Through the development of the new Community hub, this may be further compromised. However, we do aim to increase the number of Trustees and volunteers over the next 2-years to help meet the capacity needs at both governance and delivery level. We are also currently in the process of seeking funding from the Lloyds Bank Foundation, which will include support through their Enhance programme to train and support our Trustees.

Opportunities:

The Year 2022/23, as highlighted above was busy, reaching out to make a difference to the needs of the most vulnerable, despite the challenges brought about by coronavirus pandemic and lockdown. We continue to work closely with our partners, including, Health Watch, Bedfordshire Police, Bedford Borough Council Councillors, and staff from different departments including housing, properties, safeguarding and public health, Bedford Hospital, various GP surgeries, NHS CIS and diverse community organisations.

In November 2022 the Charity was excited to move to its new home at Cauldwell Community Centre. This gives the Charity and opportunity to set up a new Community Hub, Safe and Warm place for vulnerable people to come to, speak to us or get help and information with confidence, with a kitchen to help serve refreshments to those in need. Most importantly, the Centre will be a Hub for the community to use or hire for their use generating income to sustain the Centre.

With the move to the Centre, the Charity, the Charity needs to recruit new Trustees to help manage the Centre with the support of the Cauldwell Community Centre Management Committee that has just been established with its own Terms of Reference. The Charity now has four Trustees on the Board.

We will continue working closely with local Community and Faith Leaders who continue to support our work to reach out to more hidden people especially the who have been more reluctant to get out. With the Centre as a Community Hub, safe and warm place, we will continue to encourage them to refer vulnerable people, especially elderly, victims of abuse and young families for support and counselling. Their support with publicity and promoting our services through Faith Radio Stations and prayer congregations will help reach out to hard-toreach communities who trust their Faith and Community Leaders as a source of information, especially for those who are house bound or do not speak English.

As a community hub, we will also run open day events/activities at several points during the year. These won’t be focused upon our day-to-day users but aim to raise the profile of the centre amongst the wider community to further engage them. This is likely to include events based on International Food or Cultural Themes such as Mexican, African, South Asian, Chinese, and so on, where we will charge a minimal fee to an evening out with food, entertainment from that culture. This will attract over 100 people per event.

Our move Cauldwell Community Centre will continue to develop over the lifetime of the grant as our support continues to be informed by our community. Additionally, as different refurbishment elements are completed, we will be able to further increase the range of activities and opportunities for our users and community members we can deliver. Within the first year this includes the development of the kitchen space and development of a community kitchen where nutrition and healthy eating services will be provided.

Working with local women with a passion for food, we also aim to run Community Food Kitchen where meals will be prepared and sold to earn income for them and the Centre, while also servicing those in need such as elderly or homeless people with a hot meal. We have four ladies ready to start the Community kitchen service to attract 50 people a day to eat or feed around 20 homeless people a week.

Part of the project also aims to build an element of sustainability through generating income and the Council complete the repairs and the Centre is fit for the Purpose we will start hiring out the spare rooms and hall to bring new income. This will enable the Charity to then go for full ownership and take over the Centre as an asset for the community use.

ACCM(UK) Finances & Grants

Financial Statement for the Year Ended 31st May 2023

		Unrestricted	Restricted	Total	Total
	Notes	Funds	Funds	Funds	Funds
				2023	2022
		£	£	£	£
Incoming Resources
Activities in furtherance of the
Charity's objects
Grant Receivable		35,284	60,489	95,773	141,781
Fees and Bank
Interest
Total Incoming Resources		35,284	60,489	95,773	141,781
Resources Expended:
Cost of activities in furtherance
of Charity's Objects
Direct Charitable Expenditure		2663	13927	16590	11751
Management and
Administration
Office rent and services		3483	7228	10711	8671
Salaries		13216	54597	67813	71658
Training		0	4860	4860	167
Accountancy and professional
fees		1,085	3860	4885	5206
Volunteer Expenses		150	234	384	80
Travel & subsistence		240	580	820	4
Consultancy		1679	0	1679	2040
Administrative		4076	5802	9878	4917
Subscriptions		0	497	497	366
Bank Charges		94	143	237	175
Staff Miscellaneous		666	721	1387	416
Depreciation		0	0	0	0
Total Resource Expended		27,352	92,389	119,741	105,451
Net (Expenditure/Income)
				-
For the Year		7,932	-31,900	23,968	36,330
Total Funds at 1st June 2022		17,670	62,108	79,778	43,448
Total Funds 31st May 2023		25,602	30,208	55,810	79,778

Our Plans for Next Year

Bringing people together and building strong relationships in and across communities – The project will continue our links and engagement with the local community, and in particular focusing upon those who are missed or missing out, including those from BAME communities, isolated older people, and homeless people. From our community centre and venue, we will bring the community together to help them develop and build links and relationships with each other, and with our range of partners. Importantly through the project and the range of support, referrals and links we will help our community members to build links with statutory agencies and mainstream providers, ensuring that they are aware of what is available to them, and that they do not fall between the cracks, or disappear off their radars. Through our outreach and links we will a continue to develop our reach engaging community members that are isolated, including those who are still concerned and looking to protect themselves from Covid-19.
Improving the places and spaces that matter to communities – This will support the delivery of our work at our new Community hub and centre, which itself continues to be improved and developed. Over the next 2-years we will be increasing the useable outdoor space to include a community garden and rest and play area to help support an increasing number of our community members. Once fencing has been installed, we will develop the garden and outdoor space engaging more community members to become volunteers or for existing volunteers and users to try a new activity. These will improve the places and spaces that matter to our beneficiaries and our community, providing them with a space to relax in the garden, and growing vegetables or flowers.
Enable more people to fulfil their potential by working to address issues at the earliest possible stage – Our project will help community members to recognise and tackle health issues that they are facing, and through the links developed with health services and charities they able to access treatment and care where needed. Tackling health issues at the earliest possible stage will help with recovery, and our project will enable us to engage those that have been missed, or who have previously ignored direct contact from health services. Being trusted by our community and engaging them in the right way is key here. Our initial training and education support (ESOL, IT, Skills and Development sessions) help our community members to develop their English-speaking skills, enable them to communicate, access and use statutory services, get information form mainstream media, and engage with other communities in the local area while participating in local activities. We continue to help and enable our users to access social media, pay bills, search for information for jobs or training, make appointments, applications or join education programmes via Zoom. Our Skills and Development sessions help people who have lost their jobs, or are new in the UK, to build their confidence in searching for new jobs, improve and support with interview skills. We also help them to secure funds for clothing if invited for interviews.

Quotes from ACCM (UK)’s Uses

You Should Never Let Your Fears Prevent you From Doing What You Know is Right. Thank you ACCM I would not have done it.

ESOL Learner and victim of abuse who fled to safety

“Thank you for organizing this Jubilee Event. It got me out after two years of not going to or seeing anyone. I am now confident to get out again.” Elderly lady

I was a victim of honor based violence and forced marriage I was refereed by Bedfordshire police to ACCM UK during the pandemic I was pleased I found ACCM UK supported me and helped me rebuild my life up again. Honestly, Rehana gave me hope and supported me throughout my most difficult time. Thank you ACCM UK for being there for me blessed to have you.

“IK. I am a single parent said thank you very much”

“Arrived from Africa with no skills or

“This type of event showing the options available to people is key”.

1. ESOL and IT Sessions

Some of the Learners at ESOL Classes

2. Meet the Police:

Some ESOL Learners with the Local Safety Community Police Officer

3. Nutrition and cooking a healthy meal on a budget:

Preparing items for cooking Enjoying the meal

– 4. Bedford African Community Event 22nd September 2022

Zulu dancers

Bedford Mayor, Dave Hodgson - tasting some African cuisine

5. International Women’s Day March 2023

Women relaxing with gentle exercises

6. Reaching Out to the Elderly July 2022

Refreshments provided by ACCM (UK) and some of the Elderly attending our event in May and July 2022

– 7. The Queens Platinum Jubilee Celebrations Cauldwell Community Centre

From Left to right – Mayor Dave Hodgson’s Officer, Mayor Dave Hodgson, Sir Crofford and Lady Crofford – Bedfordshire High Sheriff.

8. Litter Pick at Cauldwell Community Centre

Neighbours, Students, MP (Middle), Ward Councelors and staff

More information and photos can be found on our website

www.accmuk.com

https://twitter.com/ACCMUK

https://twitter.com/ACCMUK/status/1502253233615646723?s=20&t=qe3_afiv3L8P81l8ZQ1gMw

https://twitter.com/ACCMUK/status/1503330289153724422?s=20&t=qe3_afiv3L8P81l8ZQ1gMw

https://twitter.com/ACCMUK/status/1503059831019687937?s=20&t=qe3_afiv3L8P81l8ZQ1gMw

https://donate.thebiggive.org.uk/campaign/a056900002AsH15AAF

https://www.facebook.com,accmuk.bedford/

https://www.instagram.com/accmuk/

https://www.thebiggive.org.uk/charities/s/ccampaign/a056900002AsH15AAF/c58674

https://www.youtube.com/watch?v=lQFm8_FpVaQ

Or can be requested by contacting us at info@accmuk.com or 01234 356910.

FUNDED AND SUPPORTED BY :

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Queens Park and Cauldwell Ward Councillors

AND MANY MORE

CCM ACCM(UK) Trustees, Report and Financial Statements For The Year Ended 31" May 2023

ACCM(UK) Financial Statement for the Year Ended 31st May 2023 COMPANY INFORMATION DIRECTORS AND TRUSTEES Taisim Lal Kalyan CHAIRPERSON Gurdeep Sanghera SECRETARY Buddhdev Pandya MBE TRUSTEE Bukola Gagar TRUSTEE REGISTERED OFFICE Cauldwell Community Centre 51A Althorpe Street Bedford MK42 9HF BANKERS Lloyds TSB Bank plc Hlgh street Bedford MK40 ISB ACCOUNTANTS Egemole & Co Accountants 29 Mansfield Road Sheffleld S12 2AE Company Limrted By Guarantee No. 06584024. Charity Status No. 1128904.

ACCM(UKJ Financial Statement for the Year Ended 31st May 2023 PAGE Dlreciors, Jnd Triistee< Report AcLoiJntan¥t' Report Statement of Fiiiancial Activities and Income and Expenditure Prlncipal Acwountlng Policies 'rJ(L" to tlie Ivinancial Statement Inde.pendent Examinerfs Report

ACCMIUKI Financial Statement for the Year Ended 31st May 2023 DIRELTORS. AND TrUSTEES' REPORT rhè dlierton and trustees wesentthelr reF and the ffinandal statementsforthÈ year eThJed 3tst May 2023. PrhKlpal athlm oble(ts wdory•nisaUon The prlndpal actlwties and ¢A)lectfve$ of the tharity are the rellef Df poverty and sickne54 the acfvarKement of educadon, the preseNath)n and the protection of good health among ethnlc mIntIeS in England and Wales and other parts ofthe worfd. In 5ettingthese obi#tNes the trustees have consbdered the Charity COMMIon'5 6eneral guldance on publk nefit. The tharlty is constltuted as a mmpany limlted ty guarantee and is therefore governed by Its memmNJum and arUcle5 of aSslatk)n. Dlrtttorf and Ilespgnslblltle5 Company and chadty law requlre the trwtees to prepare financtal 5tatetY*rts for each acwunting perlTrl which glve a true and falr vlew of the state of affalr5 of the charity and ol the Income and expènditure the trustses are requlred to:_ Select suitable accountln8 w)Iloes and then applythem rlStent1y. Make JerneRts and estlmates that are reasonable and prudent. Prepare the ffinandal ststements on thegolng concem basis unless rt Ls InappropFlatE to presumethat the charfty wlll condnltè In bus[r% The (Wrectors and tru$tees are re5FrfHtslbte for keeplng proper counti records whlch dlsdose wrth reasonaNe accuracy ai any tlme the finandal posltlon of the charfty and to enable them to ensure that the finala1 statements comply wlththe CharStles Act. They are also resFonsltrAe for the preventlon and detertlon of Iraud and other Inegularlties. Review ofACtlt% The trustres. revrew of actlvltles Ss set out in a separate docneL Reserves Pdlcy The charity h35 è erY£S Kdicy In a. Page I

ACCM(UKI Financial Statement for the Year Ended 31st May2023 DIRECTOILS, ANDTRUSTEFS, REPORT Summaryof Anancial Posltknn The Ststernpnt of Flnandal Artfvitses shows net resources of1£23} forthe year. Reseryes amwnt to £55810 otwhlch E30208 lie ln restActedfvrid5 committedto speafit purpLlSe. Rlsk Management . The trustees have assessed the major risks to whlth ihe charlty Is exposed, In partlcular those related to the opera.lons and finahtes Of the "Irust and are satisfied that systems aré in place to mitigate the exposure to major risks. Dlre¢tors andTru5tees All dlrector5 of the company are also trustees of the charfty. Theye are no othèr tntsieès. Allthe trustees retire at the forthcomln8 Annual Gener41 MeeliTr8 are eli8(ble for re-appofjntmenL The trustee5 rnay appoint person as a trustee to ffll a vacancy orto act as an èildluonal trustee. This report is prepared in accordan with the 5pe(ial promsion of the Companies Art 2006 relatlng to small companies. The rert of the dlrertor5 and twstee was approved by ihe bDard on behalf bv:_ If and slgned on Tar51m Lal Kalyan Chair Page 2

ACCM(UK Financial Statement for the Year Ended 31st May 2023 ACCOUNTANTS REPORTTO THE TRu¥fEEyMEMBEILS OF ACCM IUX) The followln8 produ$ the text of the report pr•Fqred *Dr the directors In respect of the compan¢s annual unaudlted flnan(ial ststement4 Irom whtch the acctyjnts set wt on pages 4t0 8have been preparEd. As dtsscrfbed on balan sheet you are respO[ble for the prep0 of the financlal statements for the vear ended 31st May 2023 as 5etout orn pages4 to 9 and you cork8lder thatthe ¢ompany Is eXeMPtfr audlt. In accordance wlth yr instructlon5. we have tPIled tse umudited financial statements In order to as$lst vou to fulfil your ststory responslbiliti4 from the accounfj record5 and Infomiation and exanatIOnS supplled to us. 1810812023 Egemde & Co Acmuntants 29 Mansfldd Road Sheffletd S12 2AE Page 3

ACCM(UK) Financial Statement for the Year Ended 31st May 2023 ATEMENT OF FINANCIAL AcnvmES AND INCOMEA14D EXPENDllURE ACCOUNT Notss Unre5trt¢ted Restricled Totsl Total Funds Funds Funds 2023 2022 In¢omlng Resouros ArtlvlJes In furtherance of the Charltvs objects Grant Recélvable Fees and Bank Interest 95773 141781 Totsl l*¢omlnK Resowces Re50urce$ Expanded.. Cost of In furtherance Of CharitS thjects Dirert Charltable Expenditure 35284 95773 141781 26&4 13927 165 11751 MaN8oment & Mmlnlslrntkn Office Rent and Seces Salades Training Accountancy and profe55ional fees Volunteer Expenses Travel & Subssten Consultan 7228 10711 8671 13216 54597 67813 71658 4860 167 5206 150 240 1679 1679 Admlnlstratlve Subscrlptlon Bank Charges 4076 4917 497 143 497 366 237 175 Staff Mlsceltaneous 721 1387 416 TLFtal Restyjrces Expended 27352 92389 119741 105451 Het IExp¢nd1tyrelllttce Forthe Yeèr 7932 -319( -23968 36330 Totsl Funds lstjune 2022 17670 62108 79778 43448 Totsl Fund$ 315t May 2023 55810 79778 Pa8e4

ACCM{UK) Financial Statement for the Year Ended 31st May 2023 BAIANCE SHEEf AS AT 31ST MAY 2023 2023 2022 NotES Rxed Assets CUrrentknSts Bènkolc 5715? 80578 Cash 455 .57610 81578 57610 81578 Credltors: AthoL'nt falllng wrthirb year Netcuwent •lssets ' 55810 79778 N•tts Unre5trlcter liiwm- funds Restrirted In4>rTre fund5 252 17670 62108 30208 Tot41 Fuftds 55810 79778 The coTripèny 55 ent4tlpd to e¥emptlry) from audr( tsnder se£lion 4TJ of the Companles Art 2( for the year ended 31 . ?02i. The 'mnr5 have not requirod the compdny to (thain an audit of its financial statementr for the ypar eIed 31 May 2023 In accordantr.with Section 476 of the Companks Att 2006. The directo ticknowledge thelr responsibiliti for.- al Iiisuring that the keops accounting records whith comply 7Mth 5ertion 386 of the Companles Act 2W6 41>d bl Preparfn8 fin?nclal statements whlth gT¥e a tnje and fairview of ihe 5tste of affalrs of the company as at the end tsf each fini4ndal yèar and of its proflt or tss for each financial year In accordènce wlth the requirements of section 396 ap.d which otheIse tomply the requirements of thÈ Companles Act 2006 to flnandal ststements, so far as appllcable to the company. The aCCnts have been prepared In accordance wlth £otnpanle5 wltli the special provlslons (pf part 15 of the CnpanIeS Act 2(X)6 relatihg t¢ companies roublect to the small coèNpanies regime. The flnaiiclal statements were 4pprr)ved by the Board of Dlrectors on behalf by'_ lots arK4 slgned on its Tarsim Lal Kalyan Chalr Pa8e5

ACCM(UK) Financial Statement for the Year Ended 31st May 2023 PRINCIPAL ACCOUKnNG pouaES These nnanclal statements have been prepa un(r thè hrfcal cost conventlon armj In accordance with the appllcablè Unitèd Kingdom Reportlng Staards, thè Charttie5 A£t 1993, and the Accountlng and ReportlnE by Charities-statement of Rewmmended Pra ISORP 21)J5I. Grants recolvabl Grants In respect of revenue Items are wrttten off to the irwne and expendlture COUnt in the perfod to whl¢h they relate. Grants In Mpect of speqfjc projects are credlted to 8 restrfrted aEoln5t whlch relent expendlture Is charged. Gnts are not rett4nlsed as receivable until all condltlon$ for recelpt have been met. Where donor Imposed restrirtk)ns apply tothe ofthe related expenthture. as a pre-CDndltlon for $ use, the grant15 treated as deferred Income unt(1 those re5trlciions are meL Grants rtrlBtkng to flxed assets are credited to a restricted fvnd on the Income and expenditurÈ account which amounts are released to revenue overthe 5arne Peric as the depreciaUon period of the raTht asset& Dk&t tharftablE•xpendllure Thls wlll comprt$e all expendli ure relaTr8 dlrecttyto the obJeLts of thetharlty. •na8•mrt¥nd •dmkn151ratlve Thls relates to expendlture Incurred on dayto(ky rurffiirq of the charityand not dlrtcttry on projects. T&nglWe fixed 055ets ?nd deweclatlon Tanglble flxed a55ets are stated at cost less depmiatlon. Dewedatton 15 calculated to wrTte down the cost of the fixed assets over their expected useful lfves. The rates used are a5 followed: Flxtures and FIttI$ Equipment Stra*ht Line 5tralght Une FUNI pccountln8 Funds held charlty we elther: UnreStcted funds - These arè funds whlch be used ift accordan wlth t charftae obiectlve5 at t d15cretlon of the trustees. Restrfcted fund5- These 8re funds thatcan onty be Ltsed for PartI13r restrtcted purposes wlthln the oblect$ of the charlty Page 6

ACCM{UK) Notes to the Financial Statement for the Year Ended 31st May 2023 11 Grants ra¢01ble Grnnts were rÈ¢Èlved from organlsatlons for the paytr*nt of salarles, conSncY, tralnlng and other runnlng and are listed in note 5 tothe accounts.The amount retefved In the yearwas £fI>489 21 Net lexperKllttJrellhKomoforthe year 2023 Th1$15 Stated after chaTglnB:_ Accountants remunerati 2bl Stoff Costs ond Nun4)ers Salaries and W?ses 67813 No employee earn more than per annvm1202>nll}. 31 fanglble Ass81s Equlpmènt Fumlture Total At 31105123 Deprecktion Charge f4Ythe yeai NBV 3V05123 NBV 3110sn2 Page 7

ACCMIUK) Notes to the Financial Statement for the Year Ended 31st May 2023 41 CrqdFtoYs-ArTh)wts falkn¥du• onèyur 2D23 Accnjals & trade creditors 5) Rèstrkted fid$ The Income funds of the thaty indude restricted fvnds trj be aPled for spedfflc purposes. The detslls of the fund5 are set out lw.'- Movement In Resour Balae at 01106122 Balance at 31105123 Ineomlr Outgoing èedfL¥d 8(0$h Couhal Comrn¥nltyChest Bedford Borou8h C1[ Afrkan Ewnt 15 Bedford Borough cr11- Covtd 7276 913S 14024 2387 The HarpurTrust 5crewWx 4650 The Panacea Charltable 3748 3748 Comp35s CI 41190 25959 15231 SEMLEP 3281 3281 Solan¢e and Labyrlnth Womerfs AID 1963 1478 3441 Bedford Borough Councll ESOL 33990 South East NHS 7636 3205 4431 NHS BLMK 2950 1441 1509 St John's HosFtal 2(J)O 92389 30208 Pay8

ACCMIUK) Financial Statement for the Year Ended 31st May 2023 INDEPENDE EXAMINER'S REPORTTO THE TRU5tEES OF ACCM IU I report on the accountsof the companyforthewar end 31 May2023. which are set out on pages I to & R&pethe respon51Jilltle5 oftrustses and oumlnw The trustee5 Iwho are real $0 the dlrertots of the company fL the purF¥e5 of Gompary lawl are resFonslble for the preparatlon of the aCllts. The tru5tee5 tsJn51der that an aud Ls not required lor this year under section 43121 of the chae9 Art 1993 (the 1993 Act) and thai an Indeperylent arnIn0t)n Is &ed. It 1$ my responsibility to.. . Examine thè attounts vndersection 43 of the 1993Art: . To follow the procedures laid down in the genua Dtrectlons oNen by tho Charity Commlsslon under 5¢rtion 4317) Ibl of the 1993 Act: and tostste whether partiujlar matters have cometo myattention. Basls of lend•nt•xamlnerfs rert My examlnath)n was ¢arrled In atcordance wlth tht general Directbns gl¥en by the Charlty CommIson. An examlnatlon Indudes are vlew of the counti kept by the tharfty and a comparfson of the aCcnIS presented th those records. M a150 I[ude5 consideration of any unusual Items or dlsclosures In thè a¢counts, and saeklng explanations from you as trustees cotKeminB any suth matters. The procedures uMlertaken do not provldè all the evldence that would be lre in an audlt and consequently no oplnion15 Elven as to whether the a¢t¢JJnts present 8 knie and fair vle¥¢ and therefore Is Ilmtted to those mattets Set out In the statement below. In (£snnectlon wlth mvexamlrbatiL, no matter has rune torny attentlon.. l. Whlchglves me reaSonae cause to belSe¥etl*t In any materfal rn5pect the requirements.. • To keep acrA)Untlng records in aCcOrdae wtth Secth)n 386 (rfthe CompanlesAct 2006. and . To prepaie x¢ounts whlch xcord th the account1r records, comply writh the a¢¢ountlnE requlrements of sectlon 396 of the Companles Art 26 and wlth the method5 and pdrKiples of the Accountlng and Reporting by Chartts-stattMert of Reeommended Prxtice ISORP 21)JSI have not been met or 2. To whlch, In my opinlon. attentt acwunts to be reathed. hould be dravm In order to enaÈ4e a proper undeTslandlng of t Jude E8emole Dated.. 1810812023 Egemle & Co Accourrt7n 29 Mansfield Road 512 2AE Page 9

CCM ACCM(UK) Trustees, Report and Financial Statements For The Year Ended 31" May 2023