OpenCharities

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

2025-12-31-accounts

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST MARY THE LESS, CAMBRIDGE

TRUSTEES’ REPORT AND ACCOUNTS FOR THE YEAR ENDED 31 DECEMBER 2025

REGISTERED CHARITY No 1130017

ANNUAL REPORT AND FINANCIAL STATEMENTS OF THE PAROCHIAL CHURCH COUNCIL FOR THE YEAR ENDING 31 DECEMBER 2025

Background

The Parochial Church Council (“the PCC”) of Little St Mary’s (‘LSM’) has its responsibilities to the Church vested in it by Church of England Governance Rules. These include responsibilities relating to the financial affairs of the Parish, the care, maintenance and preservation of the fabric of the church and the churchyard and to the protection by the Parish of the whole mission of the Church: pastoral, evangelistic, social and ecumenical.

The correspondence address is: The Parish Church of St Mary the Less, Trumpington Street, Cambridge CB2 1QG Tel. (01223) 366202 Registered Charity No. 1130017

Membership

The membership of the Parochial Church Council is governed by the Church Representation Rules, certain members sitting on the Council ex officio and others being elected at the Annual Parochial Church Meeting (APCM).

The Revd Canon Robert Michael Mackley Vicar The Revd Mark Andrew Bishop Associate Priest The Revd Dr Peter Benjamin Leith Associate Vicar (from 14 September 2025) The Revd Edward David Green Assistant Curate (from Aug 2023 until 17 August 2025)

Churchwardens: Geoffrey Richard Howe from APCM 2024 Josephine Mary Wibberley from APCM 2024 (Lay chairperson)

Members of Diocesan Synod: Josephine Mary Wibberley (2024-27) Richard Gareth Llewelyn Morgan (2024-27)

Members of the South Cambridge Deanery Synod : Francis Stephen Curtis Thomas (2023-26) resigned March 2025 Matthew James Bird From APCM 2025 Franco Giuseppo Giacinto Basso From APCM 2025 Richard Gareth Llewelyn Morgan (2023-26)

Elected Members:

Date elected:

Term expiring:

Franco Giuseppe Giacinto Basso APCM 2022 APCM 2025
Matthew James Bird APCM 2025 APCM 2028
Patricia Pires Boulhosa APCM 2022 APCM 2025
co -opted APCM 2025 APCM 2026
Patricia Elizabeth Davies APCM 2022 APCM 2025
Diana Dzhanaian APCM 2025 APCM 2028
Robert Shaw de Wolf APCM 2024 APCM 2027
Catherine Mary Groom APCM 2022 APCM 2025
Benjamin Johns APCM 2025 APCM 2028
Kathryn Mary Jones co-opted June 2024 APCM 2025
APCM 2025 APCM 2028
Jeremy Gibson Dixon Musson APCM 2024 APCM 2027
Lucy Rosamond McKitterick APCM 2022 APCM 2025
co-opted May 2025 APCM 2026
Mark Nigel Edward Patrick APCM 2023 APCM 2026
Geoffrey Neil Lean Swan APCM 2025 APCM 2028
Heidi Louise Thomas APCM 2023 APCM 2026
Helen Elizabeth Thompson APCM 2023 APCM 2026
Barbara Jean Wilcox APCM 2023 APCM 2026
Christine Tipple (seconded) May 2023 APCM 2026

The PCC met 6 times in 2025. Meetings were held in January, March, May, July, September and November 2025.

Committees

The PCC operates in the main through full meetings of its members. As required by Church of England Governance Rules, there is a Standing Committee which meets regularly in order to transact the business of the PCC, subject to any direction given by the Council. Formal committees have been constituted to direct and administer particular interests of the Council as follows:

Public Benefit

The PCC has considered the Charity Commission's guidance on public benefit and, in particular, the specific guidance on charities for the advancement of religion. In particular the PCC try to help people without exception to live out their faith as part of the local community by using their funds to enable

  1. Regular acts of worship open to the public and by administration of the sacraments. The church is open daily to visitors for quiet contemplation and prayer, and religious literature is provided.

  2. Offering spiritual support and friendship to any who desire it.

  3. Promoting the Christian faith among all people and at all levels. For example in our work with Children’s Church, our Choir, and providing learning resources such as Advent and Lent Groups and our ‘Resourcing Faith’ initiative.

  4. Visiting and befriending the elderly and unwell.

  5. Maintaining our church fabric and garden.

  6. Social activities for our congregation and beyond such as providing hospitality after Sunday Masses and significant festivals, regular Parish lunches, our successful annual Parish Barbecue.

  7. Our Parish Centre to be available for hire by local groups & charities.

  8. Supporting local charities eg The Foodbank and Whitworth Trust and others through our voluntary donations and the arrangement of special fundraising events.

  9. Participating in Ecumenical dialogue at a local level and beyond.

Risk Management

The major risks to which the PCC is exposed have been identified, reviewed and systems established to manage those risks.

Trustees’ responsibilities

The PCC members are responsible for preparing financial statements for each financial year which give a true and fair view of the state of affairs of the PCC as at the end of the financial year and of the surplus or deficit of the PCC for that period. In preparing those financial statements, the PCC members are required to:

  1. Select suitable accounting policies and then apply them consistently.

  2. Make judgements and estimates that are reasonable and prudent. 3. Comply with applicable Accounting Standards, subject to any material departures disclosed and explained in the financial statements.

  3. Prepare the financial statements on the going concern basis unless it is inappropriate to presume that the PCC will continue in business.

The PCC members are responsible for maintaining proper accounting records that disclose with reasonable accuracy at any time the financial position of the trust and to enable them to ensure that the financial statements comply with the Charities Act 2011. They are also responsible for safeguarding the assets of the PCC and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

FINANCIAL ACCOUNTS FOR THE YEAR ENDING 31 DECEMBER 2025

THE PARISH OF SAINT MARY THE LESS, CAMBRIDGE

IN THE DIOCESE OF ELY

Trustees’ Report

The accounts for the year ending 31 December 2025 have shown an overall surplus, however, most importantly this position has been reached largely due to a very generous legacy received from a former worshipper.

Overall, total income was £919,337, and total expenditure was £269,681 a surplus of £649,656. Total legacies received were £626,897. Thus, the surplus excluding legacies was £22,759. This is £6,741 greater than the equivalent figure in 2024. The greatest concern is that general, unrestricted donations have only increased by £760, that is from £100,795 in 2024, to £101,555 in 2025. We launched a Giving Campaign in late Autumn 2025, and the response to this was generous by a few, and ignored by many, and the figures would barely show in the 2025 accounts, as January 2026 was the first month reflected in giving via the Parish Giving Scheme.

In 2025 we appointed an Associate Vicar, Fr Peter Leith, who was licensed on 14[th] September. The full costs of this post have been undertaken by the PCC, and these were in total £13,573 in 2025.

Our investments have had varying performance. The now renamed “Waring- Jones Associate Vicar Fund” which is a portfolio managed by Rathbones, has received further investment during 2025 (£615,749) and draw down of £18,000, with a good return percentage of about 4%. The CCLA deposit accounts have received reasonable interest income. However, as acknowledged by CCLA their investment accounts have not performed well in 2025, with an overall reduction in value of £18,000. We have discussed this position, and as CCLA are soon to be managed by a larger investment group we decided to wait and see the results in 2026.

The net assets of the Parish of Saint Mary The Less have increased from £1,363,946 to £2,049,688 an increase of £685,742 which is £58,845 more than the legacies received.

Thanks to the generosity of our benefactors, we now have considerable investments and our plan is that the income derived from those investments should fund the post of Associate Vicar. Our usual running costs of building maintenance, security and insurance, utilities, staff costs for office and administration, and Director of Music, along with Ministry costs must all come from our income which is primarily donations by worshippers. There is a great responsibility on all of us to ponder how much we value our pattern of life at LSM, and to reflect that value in our gifts.

Kathryn Jones Treasurer

March 2026

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST MARY THE LESS, CAMBRIDGE

STATEMENT OF FINANCIAL ACTIVITIES (incorporating the Income and Expenditure Account) FOR THE YEAR ENDED 31 DECEMBER 2025

Unrestricted Designated
Restricted Endowment
Total
Note
Funds
Funds
Funds
Funds
2025
£
£
£
£
£
Income
Donations and legacies
2(a)
161,869
621,424
36,583
-
819,876
Charitable activities
2(b)
49,336
-
3,891
-
53,227
Income from investments
2(c)
3,142
32,585
10,508
-
46,235
Total income
214,346
654,009
50,982
-
919,337
Expenditure
Cost of generating funds
3(a)
-
7,256
-
-
7,256
Charitable activities:
Ministerial costs
3(b)
100,351
18,489
7,780
-
126,621
Costs of Church activities
3(c)
92,280
1,330
23,754
-
117,365
Grants
3(d)
14,685
-
1,356
-
16,040
Governance costs
3(e)
2,400
-
-
-
2,400
Total expenditure
209,716
27,075
32,890
-
269,681
Net income/(deficit) before investment gains / losses
4,630
626,934
18,092
-
649,656
Net gains on investments
Unrealised gains / (loss) on investment assets
4
-
49,868
-
(13,782)
36,086
Net income for the year before transfers
4,630
676,802
18,092
(13,782)
685,743
Transfers between funds
15,337
(18,000)
2,663
-
-
Net Movement in Funds
19,967
658,802
20,755
(13,782)
685,743
Fund Balances b/fwd at 31 December 2024
19,974
955,837
44,935
343,200
1,363,946
Fund Balances c/fwd at 31 December 2025
39,941
1,614,639
65,690
329,418
2,049,688
Total
2024
£
208,124
54,071
40,302
302,496
6,666
123,782
90,562
13,068
2,400
236,477
66,018
28,060
94,079
-
94,079
1,269,867
1,363,946

Income and expenditure is derived solely from continuing operations.

The attached notes form part of these financial statements.

2025 2024
Note £ £ E
FIXED ASSETS
Investments 4 1,873,197 1,247,042
CURRENT ASSETS
Debtors 5 8,638 19.447
Cash at Bank and In Hand 193,257 109,432
201,895 128,879
CURRENT LIABILITIES
Creditors Due Within One Year 6 25,404 11,975
NET CURRENT ASSETS 176,491 116.904
NET ASSETS 2,049,688 1.363.946
FUNDS
Unrestricted Funds 39,941 19,974
Designated Funds 7 1,614,639 955,837
Restricted Funds 8 65,690 44,935
Endowment Funds 9 329.418 343.200
2,049,688 1.363.946

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST MARY THE LESS, CAMBRIDGE

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

1 ACCOUNTING POLICIES

1a Basis of preparation

St Mary The Less, Cambridge is a public benefit entity as defined by FRS 102. The financial statements have been prepared in accordance with Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing accounts in accordance with the Financial Reporting Standard applicable to the UK and Republic of Ireland (SORP FRS102), the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS102), and the Charities Act 2011. The Financial statements are prepared on a going concern basis under the historical cost convention, modified to include certain items at fair value. Significant accounting policies applied are set out below.

1b Going concern basis

The Trustees consider that the going concern basis is appropriate as they consider the reserves levels and expected income to be at sufficient levels to ensure that the charity can meet its financial obligations for the next 18 months.

Financial Reporting Standard 102 - Reduced disclosure exemptions

The trustees have taken advantage of the following disclosure exemption in preparing these financial statements, as permitted by FRS 102:

1c Funds

General funds represent the funds of the PCC that are not subject to any restrictions regarding their use and are available for application on the general purposes of the PCC. Funds designated for a particular purpose by the PCC are also unrestricted.

Restricted funds represent amounts given to the PCC where the donor has specified that the funds are spent on a particular purpose.

1d Investments

Investments are stated at market value

1e Income

Income from planned giving and collections are recognised as received or when the PCC is notified of its legal entitlement . Income tax recoverable on covenants or gift aid donations is recognised when the related income is recognised. Grants and legacies are recognised when the amount falls due. Rents and investment income are recognised when receivable.

1f Expenditure

Expenditure is recorded when payable, and where unpaid at the year end is included in creditors.

1g Taxation

St Mary The Less, Cambridge is a registered charity and as such is not liable to taxation.

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST MARY THE LESS, CAMBRIDGE

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

2 INCOME

(a) Donations and legacies:
Offerings
Tax reclaimed under gift aid
Other donations and legacies
LPWS grant
(b) Charitable activities:
Rental income from lettings
Rental income from residential properties
Fund raising events and other income
(c) Income from Investments:
Bank interest & dividends
Total income
3
EXPENDITURE
(a) Cost of Generating Funds
Investment fees
(b) Ministerial Costs
Diocesan Quota
Clergy expenses
Other clergy expenses
Pastoral assistant
Associate vicar
Music
Upkeep of services
Children
Books
(c) Costs of Church Activities
Premises running costs:
Light and heat
Water and council tax
Insurance
Repairs and maintenance
Staff costs
Organists
Upkeep of churchyard
Events
Administration costs:
Office costs
Sundries
Bookkeeping
Other:
Expenditure on rental property
(d) Grants
UK Mission
Overseas Mission
(e) Governance Costs
Accountancy
Independent Examiner
Total Expenditure
Unrestricted
Funds
£
101,555
27,800
32,263
250
161,869
11,802
23,400
14,134
49,336
3,142
3,142
214,346
Unrestricted
Funds
£
-
-
87,500
2,155
1,384
-
-
993
5,947
1,138
1,233
100,351
9,373
853
4,630
14,892
17,627
15,003
833
12,182
75,393
7,238
249
7,627
1,773
16,888
92,280
9,825
4,860
14,685
1,200
1,200
2,400
209,716
Designated
Funds
£
-
-
621,424
-
621,424
-
-
-
-
32,585
32,585
654,009
Designated
Funds
£
7,256
7,256
-
-
6,246
-
12,243
-
-
-
-
18,489
-
1,330
-
-
-
-
-
-
1,330
-
-
-
-
-
1,330
-
-
-
-
-
-
27,075
Restricted
Funds
£
2,000
6,383
28,200
-
36,583
-
-
3,891
3,891
10,508
10,508
50,982
Restricted
Funds
£
-
-
-
-
-
-
-
4,562
3,218
-
-
7,780
-
-
-
22,425
-
1,089
240
-
23,754
-
-
-
-
-
23,754
1,356
-
1,356
-
-
-
32,890
Total Funds
2025
£
103,555
34,183
681,887
250
819,876
11,802
23,400
18,025
53,227
46,235
46,235
919,337
Total Funds
2025
£
7,256
Total Funds
2024
£
103,375
26,633
78,116
-
208,124
12,891
22,720
18,460
54,071
40,302
40,302
302,496
Total Funds
2024
£
6,666
7,256 6,666
87,500
2,155
7,631
-
12,243
5,555
9,165
1,138
1,233
126,621
9,373
2,183
4,630
37,317
17,627
16,092
1,073
12,182
100,477
7,238
249
7,627
1,773
16,888
117,365
11,180
4,860
16,040
1,200
1,200
2,400
269,681
83,702
2,733
433
8,807
-
15,121
10,253
1,693
1,040
123,782
13,281
857
4,494
11,980
17,086
14,799
4,027
7,028
73,553
8,171
264
5,500
3,074
17,008
90,562
6,196
6,872
13,068
1,200
1,200
2,400
236,478

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST MARY THE LESS, CAMBRIDGE

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

(f) STAFF COSTS

Expenditure includes total staff costs of £32,129 (2024 - £32,129) as shown below. The average number of staff in the year was 2 (2024 - 2).

2025 2024
£ £
Gross salaries and wages 33,104 31,557
Pension costs 614 572
33,718 32,129
No members of the PCC received any remuneration
No PCC members claimed expenses.
4 INVESTMENTS
2025 2024
£ £
Market value at 31 December 2024 1,247,042 1,167,846
Additions 585,000 50,000
Disposals - -
Income 30,325 25,802
Investment fees (7,256) (6,666)
Withdrawals (18,000) (18,000)
Net unrealised( loss)/gains 36,086 28,060
Market value at 31 December 2025 1,873,197 1,247,042
Made up as follows:
CCLA CBF Church of England Investment Fund 420,391 437,898
COIF Charities Investment Fund 17,568 18,363
Rathbones Investment Portfolio 1,435,238 790,781
1,873,197 1,247,042
5 DEBTORS
2025 2024
£ £
Debtors 8,638 19,447
8,638 19,447
6 CREDITORS
2025 2024
£ £
Creditors, Accruals and Deferred Income 25,404 11,975
25,404 11,975
Lettings income is recorded as it is received. Income received at the end of 2025 for bookings in 2026 has been allocated to
deferred income. Deferred income is released to income in the reporting period the letting relates to.
2025 2024
£ £
Balance at the start of the reporting period 404 808
Amounts added in current periods 365 -
Amounts released to income from previous periods (404) (404)
Balance at the end of the reporting period 365 404

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST MARY THE LESS, CAMBRIDGE

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

7 DESIGNATED FUNDS

Reserve Fund
Vicar & Churchwardens Fund
The Waring - Jones Associate Vicar Fund
Discretionary Fund
Balance
Bfwd
£
4,616
4,363
833,799
113,060
955,837
Income
£
209
38,051
615,749
-
654,009
Expenditure
£
-
-
(27,075)
-
(27,075)
Investment
Gains/(Losses)
£
-
-
54,388
(4,520)
49,868
Transfers
£
-
-
(18,000)
-
(18,000)
Balance
Cfwd
£
4,825
42,414
1,458,861
108,540
1,614,639

The above Funds have been designated for the following purposes:

Reserve Fund - A balancing account for the General Fund Vicar & Churchwardens Fund - to be used as the discretion of the Vicar & Churchwardens

The Waring - Jones Associate Vicar Fund - to be used to support the employment of an associate vicar Discretionary Fund - to be used for any purpose in line with the church's mission

8 RESTRICTED FUNDS

Peck Trust
Music Fund
Cherry Music Fund
Sally Head Garden Fund
Special Donations Fund
Flower Fund
Lay Pastoral Assistant Fund
Parish Centre Kitchen Fund
Beautification Fund
Lady Chapel Chairs Fund
Balance
Bfwd
£
23,961
19,355
30
1,589
-
-
-
-
-
-
44,935
Income
£
7,831
6,357
524
719
1,356
1,179
1,100
18,916
12,500
500
50,982
Expenditure
£
-
(5,652)
-
(240)
(1,356)
(3,217)
-
(18,731)
(3,694)
-
(32,890)
Investment
Gains/(Losses)
£
-
-
-
-
-
-
-
-
-
-
-
Transfers
£
-
-
-
-
-
2,038
-
-
-
625
2,663
Balance
Cfwd
£
31,792
20,060
554
2,068
-
-
1,100
185
8,806
1,125
65,690

The above Funds have been restricted for the following purposes:

Peck Trust - to be used for the church building, repairs and beautification

Music Fund - to be used to support the choir and liturgical music life of the parish (not including organist salaries) Cherry Music Fund - to be used to enhance the organists' remuneration

Sally Head Garden Fund - to be used for the maintenance and development of the church garden Special Donations Fund - donations received to be passed onto other charities Flower Fund - to be used for the purchase of flowers for the church

Lay Pastoral Assistant Fund - to be used to support the church's Lay Pastoral Assistant scheme Parish Centre Kitchen Fund - Complete refurbishment of the kitchen in the Parish Centre

Beautification Fund - For the purpose of purchasing fixtures/ Fittings or vestments to enhance the beauty of worship at LSM Lady Chapel Chairs Fund - To replace the chairs in the Lady Chapel.

9 ENDOWMENT FUNDS

Peck Trust
Vicar & Churchwardens Fund
Cherry Music Fund
Music Fund
Flower Fund
Balance
Bfwd
£
243,635
15,729
18,363
53,607
11,866
343,200
Income
£
-
-
-
-
-
-
Expenditure
£
-
-
-
-
-
-
Investment
Gains
£
(9,740)
(627)
(796)
(2,143)
(476)
(13,782)
Balance
Cfwd
£
233,895
15,102
17,567
51,464
11,390
329,418

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST MARY THE LESS, CAMBRIDGE

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

10 ANALYSIS OF NET ASSETS BETWEEN FUNDS

Unrestricted
Designated
funds
funds
£
£
Investments
-
1,543,779
Net Current Assets
39,941
70,860
Fund Balance
39,941
1,614,639
11 STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2024
Unrestricted
Designated
Funds
Funds
£
£
Income
Donations and legacies
153,997
50,000
Charitable activities
44,987
-
Income from investments
3,068
27,058
Total income
202,052
77,058
Expenditure
Cost of generating funds
-
6,666
Ministerial costs
99,019
-
Costs of Church activities
88,718
-
Grants
12,370
-
Governance costs
2,400
-
Total expenditure
202,506
6,666
Net income/(deficit) before investment gains / losses
(454)
70,392
Net gains on investments
-
20,386
(454)
90,777
Charitable activities:
Unrealised gains on investment
assets
Net income for the year
Restricted
funds
£
-
65,690
65,690
Restricted
Funds
£
4,127
9,084
10,176
23,387
-
24,763
1,844
698
-
27,306
(3,919)
-
(3,919)
Endowment
funds
£
329,418
-
329,418
Endowment
Funds
£
-
-
-
-
-
-
-
-
-
-
-
7,674
7,674
Combined
Total
£
1,873,197
176,490
2,049,688
Total
2024
£
208,124
54,071
40,302
302,496
6,666
123,782
90,562
13,068
2,400
236,478
66,018
28,060
94,079

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST MARY THE LESS, CAMBRIDGE

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST MARY THE LESS, CAMBRIDGE

I report to the charity trustees on my examination of the accounts of the charity for the year ended 31 December 2025.

RESPONSIBILITIES AND BASIS OF REPORT

As the charity’s trustees you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (‘the Act’).

I report in respect of my examination of the charity’s accounts carried out under section 145 of the Act and in carrying out my examination I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

INDEPENDENT EXAMINERS STATEMENT

Since the charity’s gross income exceeded £250,000 your examiner must be a member of a body listed in section 145 of the Act. I confirm that I am qualified to undertake the examination because I a member of The Institute of Chartered Accountants in England and Wales.

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the charity as required by section 130 of the Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a

'true and fair view’ which is not a matter considered as part of an independent examination.

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

N J Hedger BFP, CTA, FCA Chater Allan LLP 7 Quy Court Colliers Lane Stow-cum-Quy CB25 9AU

30 March 2025

Date: …………………………………….