OpenCharities

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

2023-12-31-accounts

all Marshal Baptist Chur wick j•irrya' ree 'A thriving church where people all ages meet God, TRUSTEESANNUAL REPORT AND ACC UNTS 1 JANUARYTO 31 DECEMBER 20 Page l of 10

TRUSTEES AND LEADERSHIP TEAM {DIACONATE) The names ofthe Trustees who seNed during 2023 are noted below, appointment andlor resignation if they have not acted for the whole y Date of appointment ith the date of ar. Trustee name Office (if any) ate of eslgn8tion Rev Darren Street Minister 1May Helen Little Deacon and Secretary Deacon and Treasurer Jennifer Drake Jane Frame Deacon Margaret Payne William Allan Deacon Deacon Chris Fong Upenyu Chioko Jane ToGher Deacon Deacon 8April Deacon Dannysmith Deacon 26 February Following a period of Interregnum with Rev Simon Carver acting as ou church called the Rev Darren Street to be our minister, commencing h May 2024. Moderator the s pastorate on 1 The Trustees declare that they have approved this report. It is signed on behalf of the charity trustees. IAL Jonathan Gill eacon Chris Fong eacon Date: Page 2 of 10

LEGAL INFORMATION Marshalswick Baptist Free Church (the Church) is a charitable uninco association. porated The Church is a registered Charity. Charity Commission Number 112 235 Church Address: Marshalswick Baptist Free Church. Sherwood Aven HertfordshireAL49QL e. St Albans, Bankers HSBC. St Albans Branch Independent Examiner Paxton Independent Examiners Investment Account (Deposlt) Baptist Union Corporation. Baptist House. PO Box 44. Didcot OX118 Custodian Trustee Baptist Union Corporation Page 3 of 10

STRUCTURE, GOVERNANCEAND MANAGEMENT Marsh81swick Baptist Free Church was established in 1967 bythe co an established nonconformist worshipping community in Marshalswi transfer of members from the Tabernacle Baptist Church in StALbans The Church is a charitable unincorporated association. It became 2 r in 2009 and is governed by a constitution agreed by tha Charity Com constitution was approved at a Special Church Meeting on 16 Decem 8mended at a Special Church Meeting on 28 February 2016. In line with its constitution, the Church operates under the authority o Members Meetingwhich is open to all church members and operates 1596 of church members. Atthe start of 2023 there were 75 members there were 77. ing together of kandthe gistered Charity ission. The er 2008 and the Church ith a quorum of nd at the end The Church Members Meeting appoints trustees to oversee the runnin The Trustees are: ofthe Church. the Minister 8s appointed from time to time from the list of acc of the Baptist Union of Great Britain. up to 9 DeaconslLeaders who are appointed for a 3-year term Members Meeting. They may only seNe two consecutive terms must stand down forat least a year. The church officers, namely the Secretary and Treasurer are ap by the Church Members Meetingfrom the appointed Trustees. edited Ministers ythe Church after which they ointed annually Except forthe Minister, any individual must have been a member of thl Church forsix months prior to being eligible for appointment as a trustee. The Trustees are required to meet at least 6 times a year but in practic monthly {except for over the summer break}. they meet New Trustees are inducted into their role through training and provisio documents. All Trustees are encouraged to participate in events arr8n Baptist Union and the Central Baptist Association and other bodies in their skills as Trustees. of relevant ed bythe rderto develop There are usually 6 Church Members Meetings each year. In accordance with clause 23 ofthe Church's constitution the Minister paid an agreed reasonable remuneration or stipend even though Islhe Trustees of the Charity. No other trustees received any payment for th trustees. is entitled to be sone ofthe irworkas Page 4 of 10

The Charityemploys a parttime cleanerand a parttime Church Finan All other functions and activities are fulfilled by volunteers. e Administrator. The Church is a member of the Baptist Union of Great Britain and the Association being a signatory to the Baptist Union's Declaration of Pri entral Baptist ciple. The property ofthe charity is held in trust bythe Baptist Union Corpor benef it of the charity. tionforthe Risks ass8ssments are conducted for church activities and the churc Register which is reviewed regularly. has a Risk The key risks factors facingthe charity's finances are: a dramatic drop in the number of members and attendees mak contributions- even during the pandemic when attendance 'in restricted, numbers connected with the church remained high giving remained strong. major and unexpected repairs to the building-we have a cycli programme with budget provislon to cover this. loss of a major hall hire customer- demand forthe use of our p availability and the church is exploring ways of maximising the premises followingthe modifications made under Project 50 ngfinancial person" was nd voluntary I maintenance emises exceeds sa of the We believe that the level of risk in these situations is low and that the suffi¢ientfinancial strength and human resources to limit any damage hurch has that may occur. The church has the following policies and procedures which are revie attheAGM: Health and Safety Policy Child Protection Policy Vulnerable Adults Policy Compliance with General Data Protection Regulations {GDPRI Social Media Guidelines ed and affirmed OBJECTIVESAND ACTIVITIES The Principal Purposes ofthe Charity is the advancement ofthe Christi according to the principles of the Baptist denomination. In fulfilling thi an faith objective, the Page 5 of 10

Church engages in a range of activities which will vary from time to ti being initiated, expanded or closed. as appropriate. In planning our activities, the trustees consider the Charity Commissi public benefit and in particular the specific guidance for charities on t of the Christian religion. The charity fulfils this obligation in a number Provislon of Worship Services everysunday which are open to all. E Christmas and Easter are publicised locally and on our website. e, with activities n's guidance on e advancement f ways.. ra services at Education In r818tion to mattars ol the Christlan Faith is provided t Club, activities for children, Messy Church seasonal events for parent Youth Alpha Gourse developing into a Youth Bible Study Group. a ne Based Study Groups for adults and, prayer group meeting in person a Provision of Pastor81 Care. Assistance to the sick and vulnerable, w always be church members. is provided by church members with add phone and letter. Home Communion visits. Bereavement support and funeral services are available on request. Marriage preparation cours those seeking to be married in the church and. arrangement of blessi thanksgiving services for children. rough'sunday and children, ork of Home- d online. o may not tional support by the provision of s are available to gand Soclal andrecreational actlvlties are provided for the benefit of diffe the community: Children: Kanga and Roo Toddler Group, o Connect & Play established September 2023 for 3-8 ye a plac8 to p18y, create and make friends Young Music makers to encourage young music instrum play together and with older musicians at setvices and a YoungAdults: Youth Alpha o Home Bible Study Group Adults ent sections of r olds providing nt players to hoc concerts Table Tennis Club members include students home fro retired people o Thursdayclub for olderadults Men's Group including local walks and dining events. The Ladies choir expanding this year to include men. Ladies Pot Luck lunches and craft events. initially set up know an influx of people from Hong Kong and Africa university and to help get to Page 6 of 10

Community Link sessions provides IT help, art, knitting initially set up to help address issues of loneliness and and social part of our interaction with the local commu o Jigsaw similarto Community Link, withoutthe IT help a 'Warm Space, initiative. nd 'brain games, ecame a vibrant d created from a Assistance in the rélief ofpoverty. We support the widerwork of th denomination through our membership ofthe Baptist Union of Great Central Baptist Association through our linancial contribution to the Scheme. We also support BMSWorld Mission financially. Baptist ritain and the ome Mission We oollaborate with other local churches through Churches Together and support other local national and international organisations thro prayer support where that supportwillfurther our charitable objectiv all financial donations made to other c8uses in 2023 is given in the no financial statements. Some charities are supported through the dona kind, such as donations to the food bank. baby clothes and blankets Recycled tools are collected for Tools with a M ission. in Marshalswick gh donations and s. An overview of es to the ion of 'gifts in or Knit for Peace. Provislon ofpremises. The church premises are used by different Co on an economical hire basis. To facilitate this work, it is important tha fabric of the church premises. munityGroups we maintain the Page 7 of 10

ACHIEVEMENTS AND PERFORMANCE - MINISTER'S REPORT It is hard to believe that in May 20231 left life in London to begin a new Marshalswick. Every church has a culture and a way of doingthings a year has beenlargely about gettingto know howthe church operates, passionate about, identityingthe strengths that we can build on, and challenges that may be holding us back. life here in d for me, this f irst what we are ecogni8ingthe One ofthe big strengths I see in the church is the efforts made to be a church. This has been noted bythose who vislt our midweekgroups a who attend Sunday worship. It is also great to sea the fellowship thatt Sunday after worship elcoming well as those kes place every Young people are a good indicator of how healthy a church is. We are have a healthy Sunday Club and we must do allthatwe can to encour this. developing a sense of belonging. ruly blessed to ge and build on Throughout the year I have visited most of our regular midweek group useful space for friendship. pastoral care, and a sense of belonging. o the opportunitythrough these groups to connectwith people in our co form relationships. In the Autumn we spent seven weeks studying"Fr Frontline" a course by LICC. . These provide a course. there is munityand itfulness on the One of our newest ministries is Connect and Play. This has already be for parents in the area to connect and form friendships and a couple o our Christmas services as a result. ome a great hub families came to Overthe year I visited local Primary and Secondary Schools delivering ssemblies and visitingclasses sometimes teaming up with other local clergy. With thl SUPPOrt of Local CharitySTEP we have led a Youth Alpha course. We are now takingthi group on through "The Bible Course" We were privileged this year to share in a baptism 8nd, receive five pe membership. ple into It has been quite a f irst year. I don't doubt that there are some challen need to overcome if we want to see growth. But with God's help, there potential forgreatthings in the coming months and years. es ahead thatwe $81otof Rev. Darran Street, M ini8ter Page 8 of 10

At the time of authorisingthis work we thought we would have to call payforthis. Atthe end oftheyearthe workon thewindows hadn't be we have enough funds from 2023 to cover the cost when the invoice a The Church continLtes to raise the funds which it needs to carry on its ctivities and meet its objectives from within its own membership and congregation. Once again. generous giving by members of the church family has enabled the Ch rch to continue to be generous in its giving for other causes- £13,008, in total. Each y arwe budget to give £5,000 for Home Mission and £5,000 for BMS World Mission from church funds. And we have made a special payment from church funds to BMS Worl Mission in response to the Turkey/Syria earthquake. The church has supported a numberof special appeals throughout the year which are listed in the notes to th financi81 statements. In addition. Thursd8y Club made 8 signif icant donation to Headway IHertfordshirel. n our Reserves to n completed but rives. The financi81 results forthe year, togetherwith a summary of the acco adopted are set out in the accompanyingfinancial statements. As you notes to the accounts the Church has a number offunds which are att church groups and projects. For the purposes of this review. I'll comm Generalfund. Reserves. and Project 50. nting policles 11 see in the ibuted to various nt on the Generallund and Reserves Our main sources of income are freewill offerings and donations, Gift id and hall hire. Our main costs are salaries and running and maintainingthe church p operties. i.e., church and manse. Income to General fund was £96.513 and outgoin s were £89,809. So at the end of th6 year. we had a surplus of£6,703. This will be trans erred to ReseNes making our total Reserves at the start of 8 2024 £58,036. Thi4 puts us in a good position to coverthe cost of some expected expenditure on the b ilding in 2024. Our Reserves Policy is set out below. Project 50 Project 50 is a restricted fund which was set up to fund improvements to the church buildingwhich were agreed by church members in 2016. in Phase 1 of the project was carried out and paid for in 2020 and 2021 snaggingwork is still required to complete Phase 1 and we have set up Retention fund towards the cost. The balance of the Project 50 fund is Project 50 Phase 2 fund. At the end of 2023 it stands at £105,527. We to receive a gift £35.000 from Trinity Baptist Church in August to be put maintenance and improvement work on our church buildings. We hav money to Phase 2 of Project 50. So we have a significant sum of mone think and pray about Phase 2. As I said earLier this means we start 202 financial position. We rely on, 8nd remain thankfulfor. the continued a nd accessibility Most ofthework Somefinal a Phase 1 ow held in the ere truly blessed towards building allocated this as we start to in a good d faithful giving Page 10 of 10

of members of our church family and the ongoingsupport of allthose spending and collection of our income. ho manage our Jenny Drake, Treasurer Reserves Policy The Trustees reviewthe level of resetves which are held and take 8CC income and of unplanned expendlture. The Trustees recognise that r fluctuate due to the timing of income and expenditure. The Trustees have assessed the risks and feel it is prudent to hold 8ro worth of running costs to cover contingencies such as loss of hall hire repairs to the building. unt of the risks to serves will nd 5 months, or unexpected So the target we have setfor unrestricted reserves IS to hold an avera during the year and at the year end. of £35,000 The reserves of the charity are mainly held in the Baptist Union Corpor Notice and 3-Month Notice deposit accounts. These accounts provid of interest and funding for I08ns to Baptist causes. tion 7-Day attractive rates Page 11 of 10

CHARITY COMMISSION FOR ENGLAND AND WALES Independent exa the ac iner's report on unts Report to the trusteesl members of .illl¥ Marshalswick Baptist Free Church On accounts for the year ended 31 December 2023 harity no (if any) 1129235 Set out on pages I to 8 {including these 2 pages) I report to the trust&s on my examination of the ac Trust,? for the year ended 3111212023. unts of the at(Jve charity fthe As the charity's trustees, you are responsible for th. accordance with the requirements of the Charities preparation of the accounts in 2011 fthe Act'g. and I report in respett of my examinatlDn of the Trult's accounts carried out under secbon 145 of the 2011 Act and in carrying out my examination, I have followed all the applicable Directtons given by the Charity Q)mmission under section 145(5){b) of the Act. Responsibilities basis of report Independent examiner's statement I have completed my examination. I confirm that n my attention in connection with the examinats.on w that in, any material respect: the accounting records were not kept irtr a Charities Act; or the accounts did not accord with the accounling records; or the accounts did not"comply with the applicable requirements concerning the form and content of accounts set out in the Charitie5 (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a 'true and fair, vlew which is not a matter conside examination. d as part of an indepEndent material matters have come to ich gives me cause to believe rdance with sectlon 130 of the I have no concerns and have come across no the examination to which attention should be d enable a proper understanding of the aCCOLtnts er matters in COnn￿tIon with wn in this report in order to be reached, Slgned.. D War￿n ate: 0610212024 Page1 of8

Name: Darren Warren - Paxton Independent Examiners Relevant professional qualif*cation(s) or body (if any): FMAAT 61 a High Street South Address: Rushden, Northanls NN10 ORA Only complete if the examiner needs to highlight m (see CC32, Independent examination of charity ac guidance for examiners). . lerial matters of concern ounts.. directions and Glve here brfef detsils of any items that the examiner wishes dixlose. Page2of8

MARsHALS￿CK BAPTIST FREE CHURCH CHARITY NUMBER: 1129235 FINANCIAL sfATEMENT FOR THE PERIOD I JANUARY 2023 TO 31 DE RECEIPTS & PAYMENT ACCOUNT EMBER 2023 Unrestrirted Restricted funds funds Total funds Last Al Recelpts Voluntary income Raised for other causes Investment income Hall hire Note £ (b) (c) (d) 61,862 11,773 1,970 2,848 73,635 1,970 4,262 33,860 76,722 2,064 1,789 31,903 1,414 33,860 Loans (n) Grants Other income (e) 1,968 99,104 35,476 52,067 37,4 151,171 3,046 115,524 A2 Assets & Investments sales Total ￿ceipts 99,104 52,067 151,171 115,524 A3 Payments Ministry costs (f) Donations to other causes (g) Church actlvities costs (h) Maintenance of church properties (i) Governan￿ & admlnistration costs ti) Loan repayments (n) 28,920 11,165 8,722 26,944 8,258 28,920 13,007 10,807 26,944 8,258 5,250 15,330 7,809 15,437 7,331 2,000 53,157 95,059 1,842 2,085 84,009 10,487 3,927 1,063 87,936 11,550 A4 Assets & Investments purchases Total payments (i) 94,496 4,990 99,486 148,216 Exce￿ of receipts over payments 4,608 47,077 51,685 -32,692 A5 Transfers between funds A6 Cash funds last year Cash funds this year end -244 58,048 62,412 244 (k) (k) 63,830 111,151 121,878 173,563 154,571 121,879 Note: The Charity has no Endowment Funds Page 3 of

srATEMENT OF ASSETS AND UABILITES AT 31 DECEMBER 2023 Bl Cash funds Details Unrestricted funds Re tricted nds Note Current account HSBC Deposit accounts BUC Equals p￿paid card Cash Total 9,684 51,587 io 1,372 62,413 12,168 98,647 335 111,150 B2 Other monetary assets Detai15 Unrestricted funds rirted nds None B3 Investment assets Details Fund to whlch Cur asset belongs nt value Noté None B4 Assets retained for the charity's own use Fund to which Cur asset belongs nt value Detalls Note {m) (m) (m) (m) Church, SheThvcod Avenue Manse, 4 Sherwwd Avenue Fixtures and fittings - church Organ General General General General 2,993,045 429,126 180,740 525,009 B5 Llabilities Detalls Fund to which Cur Ilability belongs nt value Baptist Penslon Scheme liability (n) General The accounts and statement of assets and Ilabilities relating to the year ending 31 December 2023 were approved by the trustees (deacons) on 6 February 2024 an of all trustees. are signed on behalf Signed: Jortni4J(ELLL J M Drake (Treasurer) H G Little (Secretary) Page4of8

NOTES TO THE ACCOUNTS Basis of accounts These accounts have been prepared on a 're￿Ipts and payments, basis and in 133 Charities Att 2011. accordance w￿h Section b, Voluntary Income Offerings and Donations Tax recovered - Gift Aid Total Voluntary Inc4)me 2023 2022 62,643 59,974 73,635 76,721 Raised for Other causes BMS World Mission - MeM￿r donations BMS World Mission - Birthday Scheme Special Appeals Total Ralsed for Other causes 2023 1,050 305 615 1,970 2022 970 415 679 2,064 d. Investment income 2023 Cwst interest Total Investment Income 4,263 The church has placed funds in 7-day notice and 3-month noti￿ depostt acco CortM)ration. 2022 1,789 nts with the Baptist Union Other Income 2023 Electricity Sold Donation from Trinity Baptist Church 1,663 Kanga & ROD 35,000 Other income 200 00 Total Other Income 580 973 37,443 3,046 In August 2023 we re￿iVed a donation from Trinity Baptist Church to be put to ards building maintenance and improvement work on our church buildlngs. We have allocated this money tb Phase 2 of Project 50. f. Minlstry costs 2022 2,073 2023 20,412 2,931 1,528 679 Ministerfs stlpend Pension contribution Visiting preacher fees and expenses Other ministry costs New Minister Costs Total Mlnislry costs 2022 2,364 2,528 358 28,920 The Minister atts as one of the chltrch's trustees and receives remuneration and of their services as Minister, inclLKling the provSsion of manse accommodation o Following the retirement of our previous Minister at the end of October 2021 we The Rev Darren Street was appointed on 19 April and inducted to ministry on 27 include his removal costs and the cost of the Induttion servits. 5,250 ther benefits in respect ned by the church. ought a new Minister. May. New Minister costs Page 5 of8

g. Donations to other causes 2023 5,040 5,040 1,268 245 1,415 2022 5,040 5,040 1,275 355 2,650 250 500 220 15,330 Home Nission - church donation5 to CBA BNS World Mission - church donation BMS World Mission - member donations BM5 World Mission - Birthday Scheme BMS World Mission - Special appeals Macmillan Cancer Keech Hospi Operation Agri Special appeals Total Donations to other causes 13,008 h. Church activitles costs 2023 2,648 1,018 Licences and subscriptlons Printing and stationery Church groups, clubs, outreach and pastoral care Total Church actlvities costs 2022 2,693 731 10,807 7,809 l. Maintenance of church properties 2023 6,477 360 2,016 3,808 5,763 2022 4,926 360 -836 4,161 4,243 Church Broadband Council Tax Manse Insurance Cleaning - wages and materlals Repairs and maintenance Total Maintenance of church properties 26,944 The above costs relats to the church premises in She￿Ood Avenue and the man In 2020121 building work in Phase l of Projert 50 to improve the access to, and facilities in, the Church Sanctuary was undertaken. Final snagging work was not completed by the builders. The church has therefore retained £2,754 towards the c05t of Carrying out this work. This mon 50 Phase I fund. Expendlture on Project 50 Phase I was £563. y is held in the Project In 2022, the church embarked on a projett to refurbish the Manse prior to the Minister. Capitsl expendlture to complete the work on the manse in 2023 was £ 15,437 at 4 Sherwood Avenue. appointment of a new ,708. j. Governance and administration costs 2023 189 180 413 7,476 2022 208 180 299 6,633 12 7,332 Bank Charges Professional fees - Independent Examiner Payroll f*s Church Finantr AdminIst￿tor saiary & equipmenl Equals Prepaid card fees Total Administration 8,258 The churth has appointed a Church Finan￿ Administrator. The church has appointed West of England Baptist Payroll Company Limited for p The church has Equals Prepaid Mastercards for the Treasurer and the Church Fin Cards are topped up when needed to make a payment which can't be made by b yroll servi￿. n￿ Adminlstrator. nk transfer. Page6of8

k. Movement of funds The church has the following funds. Surplus in the General Fund Is moved to t of the year. Restrirted Funds are funds which must be used for a specrfic purp Fund name Fund balan￿$ brought forward e Reserve Fund at the end Income Expenditure Fund balances carried fonvard Unrestricted fund5 General fund Church ECO Garden Community Llnk Frog Kanga & Ro) Lighthouse Nanse Refurb Pension ReseNe Recreation Club ReseNe Fund Total Unrestricted 96,085 -89,809 -29 -810 -141 428 29 2,736 889 623 71 6,703 2,821 -2,000 2,747 748 123 71 200 -700 -3,708 3,708 -1,680 1,680 688 51,333 58,049 688 51,333 62,413 99,974 -94,497 -244 Restricted funds Audio Visual Organ Fund Piano Fund Pro]￿t 50 Phase 2 Projert 50 Phase I Special Offertories Thursday Club Youth Alpha & Outreach Youth Work Total Restricted 500 1,610 -5(X) 1,610 58,166 49,371 -2,754 2,010 105,527 2,191 648 -563 -1,843 -1,563 -523 270 1,087 2,220 476 942 -IH2 244 419 750 111,150 2,192 63,830 51,199 -4,992 TOTAL FUNDS 121,879 151,173 -99,489 173,563 Note these are rounded figures. New funds set up in 2023-. Youth Alph & Outreach fund and Project 50 Phase l Retention. The existing Project 50 fund which contalns all new and existing donations (except Phase I retention monies) has been renamed Project O Phase 2. Funds closed in 2023.. Church ECO Garden, Manse Refurb, Pension Re Thursday Club, erve, Audlo Visual and m.Assets Held for the Church's own use The church is the beneficial owner of the assets listed (subject to the relevant tru is held by the church's custodian trustee the Baptist Union CortM)radon Ltd: The v values as at the renewal of the policies with Baptist Insurance on 24 June 2023. ) the legal title to which lues shown are insurance Page7of8

k. Movement of funds The church has the following funds. Surplus in the General Fund is moved to t of the year. Restricted Funds are funds which must be used for a SFecific pur Fund name Fund Income balances brought fO￿ard e ReseNe Fund at the end Expendlture nsfers Fund balances Carried forward Unrestrlrted funds General fund Church ECO Garden Community Link 96,085 -89,809 -29 -810 428 6,703 29 2,736 2,821 ['j}j !] Frog Kanga & Roo Lighthouse Manse Refurb Pension ReseNe Recreation Club ReseNe Fund Total Unrestricted -2,000 2,747 748 123 71 889 623 71 -141 200 -700 -3,708 3,708 -1,680 1,680 688 51,333 58,049 51,333 62,413 99,974 -94,497 -244 Restricted funds Audio Visual Organ Fund Piano Fund Project 50 Phase 2 Projert 50 Phase I Special Offertorie5 Thursday Club Youth Alpha & Outreach Youth Work Total Restricted 500 1,610 -500 1,610 58,166 49,371 -2,754 2,010 105,527 2,191 648 -563 -1,843 -1,563 -523 270 1,087 2,220 476 942 -1442 244 419 750 111,150 2,192 63,830 51,199 -4,992 TOTAL FUNDS 121,879 151,173 -99,489 173,563 Note these are rounded figures. New funds set up In 2023.. Youth Alph & Outreach fund and Project 50 Phase l Retention. The existing Project 50 fund which contalns all new and existing donations (except Phase I retention monies) has been renamed Project O Phase 2. Funds closed in 2023.. Church ECO Garden, Manse Refurb, Pension Re Thursday Club. erve, Audio Visual and m.Assets Held for the Church's own use The church 15 the beneficial owner of the assets listed (subject to the relevant tru is held by the church's custodlan trustee the Baptist Union Corporation Ltd.. The v values as at the renewal of the policies with Baptist Insurance on 24 June 2023. ts) the legal title to which lues shown are insuran Page7of8