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2021-12-31-accounts

Woodside Baptist Church – Annual Report and Accounts 2021

Woodside Baptist Church Spring Lane, London, SE25 Annual Report and Accounts 2021

(Charity Reg. No. 1130792)

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Woodside Baptist Church – Annual Report and Accounts 2021

Table of Contents

  1. Statutory Information

  2. Structure, Governance & Management

  3. Objectives & Activities

  4. Achievements & Performance

  5. Financial Review

  6. Plans for Future Periods

  7. Statement of Trustees’ Responsibilities

  8. Receipts and Payments Accounts

  9. Statement of Assets and Liabilities

  10. Notes to Accounts

  11. Independent Examiners Report

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Woodside Baptist Church – Annual Report and Accounts 2021

1. Statutory Information

Charity Name

Woodside Baptist Church

Registered Address

Spring Lane, London, SE25 4SP

Charity registration number

1130792

Trustees (during 2021)

Reverend Steve Calder (Senior Minister) Robert Newson (Treasurer) Neil Scarse (Secretary) Ruth Newson (Mission Support) Moses Kajubi (Property Deacon) Joanne Scarse (Youth and Children’s Deacon) Thelma Newton (Pastoral Deacon)

Trustees at report approval

Reverend Steve Calder (Senior Minister) Robert Newson (Treasurer) Neil Scarse (Secretary) Ruth Newson (Safeguarding Deacon) Moses Kajubi (Property Deacon) Thelma Newton (Pastoral Deacon) Karina Henry (Communications Deacon)

Property Trustees

London Baptist Property Board 235 Shaftesbury Avenue, WC2H 8EP

Bankers

National Westminster Bank plc, 209 Lower Addiscombe Road, Croydon, CR0 6RB Virgin Money plc, Jubilee House, Gosforth, Newcastle-upon-Tyne, NE3 4PL

Independent Examiner

Mr Roger Chester

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Woodside Baptist Church – Annual Report and Accounts 2021

2. Structure, Governance & Management

a) Charitable Object

The principal purpose of the church is the advancement of the Christian Faith according to the principles of the Baptist denomination. The church may also advance education and carry out other charitable purposes in the United Kingdom and/or other parts of the world.

Governing Document

The church is governed by an Approved Governing Document which is a public document and the legal basis on which we function as a registered charity.

Vision Statement

God has called us to be a worshipping and praying community, committed to taking Christ into all the world, and seeking to encourage a response of committed discipleship.

Church Covenant

Depending day by day on the loving kindness of our Lord Jesus, we commit ourselves to building a community of love, accepting one another as He has accepted us, and putting the needs of others before our own. We will seek to express the unity of the Holy Spirit through being at peace with each other; to encourage one another in following Jesus; and to comfort and help one another in times of difficulty.

We will support and pray for the Pastor, leaders and officers of the Church. As we are able, and in co-operation with the church leaders, we will contribute to the life of the church in prayer; through regular participation in worship together; in offering ourselves in service; and in financial support for all aspects of the church’s ministry.

Under the leading of the Holy Spirit, we will seek in word and deed to share the gospel with our families and others, through our own personal witness; by sharing in the outreach activities of the church; by the instruction of our children and young people; and in our support for mission here and overseas.

Doctrinal Statement

The following statements of belief express those doctrines which we believe to be supremely important.

  1. The Divine Inspiration Authority and Sufficiency of the Holy Scriptures as not only containing but being in themselves the Word of God and the need of the teaching of the Holy Spirit in order to gain a true and spiritual understanding of it.

  2. The unity of the Godhead and the Divine Co-equality of the Father the Son and the Holy Spirit.

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Woodside Baptist Church – Annual Report and Accounts 2021

  1. The utter depravity of human nature in consequence of the fall.

  2. The true and proper Godhead of our Lord Jesus Christ. His real and perfect manhood. His work of atonement for sinners of mankind. His resurrection and ascension and His present priestly intercession for His people at the Right hand of the Father.

  3. The justification of the sinner solely by faith through the atoning merits of our Lord and Saviour Jesus Christ.

  4. The necessity of the Work of the Holy Spirit in Regeneration Conversion and Sanctification also in ministry and worship.

  5. The immortality of the soul, the Resurrection of the body, the Judgement of the world by our Lord Jesus Christ with the eternal blessedness of the righteous and the eternal punishment of the wicked.

  6. The Divine institution of the Christian Ministry and the obligation and perpetuity of the ordinances of Believers’ Baptism (by immersion) and the Lord’s Supper.

b) Organisational Structure

Charity Trustees

In accordance with the Constitution the Members appoint Trustees, who together with the Minister, Church Secretary and Treasurer (who are also appointed by the Members) are responsible for the day to day running of the church’s work and witness, and the financial and legal aspects of the charity.

Church Membership

Members of the Church are accepted in accordance with the Constitution which requires them to be or to have been publicly baptised on the profession of faith in Jesus Christ. At the end of 2021 there were 82 members on the members list.

Relationships with other Organisations

The church is a member of the Baptist Union of Great Britain, the London Baptist Association, the Evangelical Alliance and Christians Together in South Norwood.

c) Safeguarding

Policies

The church recognises its responsibilities in safeguarding all children, young people and adults at risk, regardless of gender, ethnicity or ability. Any concerns raised are reported and investigated. The church practices safe recruitment by ensuring that all employees and volunteers are provided with appropriate training, support and supervision. DBS checks for all volunteers are reviewed regularly and kept up to date.

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Woodside Baptist Church – Annual Report and Accounts 2021

The Trustees produce and the Members approve a set of policies which are used in the day-to-day governance of the church. Policies provide guidance on matters such as Child Protection, Health & Safety, Fire Safety, Disability, and Equal Opportunities.

Risk Assessments

Risk Assessments have been produced, and are regularly reviewed, for matters of Finance, Health & Safety, and Youth & Children’s work. Risk Assessments are also produced, where appropriate, for one-off events or activities.

d) Decision Making

Trustees

The trustees met eleven times during 2021, mostly remotely using Zoom.

Church Business Meetings / Special Church Business Meetings

The church meeting is an integral part of the way the church functions. Though the Constitution permits decisions to be made at Church meetings by appropriate majorities, the Church seeks to work by consensus wherever possible.

During 2021 the church was only able to meet together for one church business meeting (AGM).

3. Objectives & Activities

Objectives

The main purpose of the church is the advancement of the Christian faith according to the principles of the Baptist denomination. The church may also advance education, community service and other charitable purposes in the United Kingdom and/or other parts of the world.

Activities

In order to achieve the principal objective which is set out above, the Church provides a variety of activities both to its membership and to the community generally. The aim is to show the love of Jesus Christ in both word and deed and to bring people into a closer relationship with Him as living Lord.

The main activities are normally:

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Woodside Baptist Church – Annual Report and Accounts 2021

Public Benefit Statement

When planning our activities for the year, the trustees have considered the Commission’s guidance on public benefit and, in particular, the specific guidance on charities for the advancement of religion. In particular, we try to enable ordinary people to live out their faith as part of our church and local community through:

To facilitate this work it is important that we maintain the fabric of the church buildings.

4. Achievements & Performance

During 2021 our activities continued to be disrupted by the effects of the Corona virus (COVID-19) pandemic. Although we were able to restart some activities during the year, various outreach and community activities had to be suspended for much of the year.

Public Worship & Teaching

For the first three months we continued with using church's private Facebook account and Zoom without a congregation physically present. In April we were able to start meeting together in a socially distanced way starting with a celebratory Easter Sunday service. We continued with socially distanced services for the rest of the year.

Our teaching continued with monthly 3 or 4 week series on topics including “Responses to Jesus”, “Through Mary's eyes” directly from the Bible and a look at the Biblical application to current

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Woodside Baptist Church – Annual Report and Accounts 2021

issues in a series called “Headline issues”. Transcripts were continued to be made available on our website.

Looking ahead to 2022 we aim to continue to offer a varied programme of teaching from both the Old and New Testaments, with an emphasis on applying the Bible to people's lived experience.

Local Mission & Community Outreach

Due to the ongoing Covid-19 pandemic, much of our community and outreach programme had to close during the early part of 2021. The Brigades had been running online until last Christmas and were able to start meeting face to face from Easter. In the autumn we were able to restart our Community Café (a revised Drop-in on Tuesdays) and the n:Gage Youth group (Fridays), as well as fixtures resuming for our football team.

As the time of restricted freedom started to draw to a close, we sought God's guidance as to how we could most effectively support our community to recover and thrive in the years to come.

Donations of non-perishable food for our Harvest Service were again donated to the West Croydon refugee Centre. We gave the monetary offering at our Harvest Service to the Baptist Missionary Society as we consider our overseas missionary strategy.

To bring the church more into the Community we have looked to the use of our buildings by local groups outside of the church.

Support of missionaries

We have continued financial and prayer support to two missionary families now working in the UK.

Youth ministry

With the Covid-19 lockdown we were unable to replace our Youth Worker. The youth activities were also forced to stop and the youth were disappointed not to go to the “Dreaming The Impossible” event over the summer (which the organisers had to cancel).

As circumstances allow we will restart our Brigades and continue to run our Youth Group in partnership with “Play Place”. We intend to recruit a replacement youth worker when finances allow it.

Pastoral Care

Despite the disruption caused by Covid-19, in early 2021 a suitably gifted church member took up the role of Pastoral Deacon. They have been able to work with our pastor to ensure that those connected to our fellowship are effectively supported and encouraged in their Christian lives. Part of this work has been developing a Pastoral Team to keep in regular contact with those who are unwell, housebound or in any other way needing extra support from the church.

Included in our range of care we normally:-

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Woodside Baptist Church – Annual Report and Accounts 2021

This support relies on many volunteers who give their time generously and the church acknowledges their selfless commitment.

Property maintenance

The Church is blessed with an extensive and useful set of buildings, on trust from the London Baptist Property Board. The main church building sits alongside two halls, several classrooms and a car park. In addition, the church has residential accommodation in the form of “The Manse”, “The Cottage” and “The Caretaker’s Flat” (formally used by the church caretaker).

In recent years the number of volunteers has decreased and the church has become increasingly reliant on external tradesman to perform repairs/installations, particularly those which involve electricity, gas or water.

Routine and statutory inspection of heaters, electrical appliances, fire extinguishers and similar equipment has been carried out and the necessary approvals/certificates obtained and filed.

5. Financial review

Financial Summary

The financial aspects of the church are the responsibility of the Trustees but they are managed on a day-to-day basis by the Treasurer, the Finance Committee (who are responsible for reviewing the finances and suggesting matters of policy to the trustees), the Gift Aid Secretary, the Offering Counting Team, and the Treasurers for the auxiliary departments (Parents & Toddlers, Boys' Brigade, Girls' Brigade, Young People’s Group, Sunday Club).

The financial results for the year are set out in the accompanying financial statements, prepared on the Receipts & Payments basis. The main funds maintained are the General Fund, Mission Support Fund, Property Fund, and the departmental funds (Parents & Toddlers, etc).

The vast majority of the church’s income is from donations given by the members and congregation. Other income is derived mainly from the rent for the Caretaker’s Flat and Cottage, donations for use of our buildings, and tax recovered on gift-aided donations.

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Woodside Baptist Church – Annual Report and Accounts 2021

The main areas of expenditure are employment costs (Pastor & Cleaner), property utilities, maintenance costs, charitable donations & grants, and mission (evangelism/outreach/ministry/ training).

At the end of 2021 the General Fund had a balance of £30,612; the balance at the start of 2021 was £28,087. With the Covid-19 restrictions still in place, at the start of 2021 the church set a minimal budget (to cover basic running costs) for the General Fund of £62,393, and the actual spend was £58,274. The weekly giving required to support the budget was £987 (after tax recoveries and other adjustments) and the actual weekly income received was £1,120.

When planning our activities for the year, the trustees have considered the Commission's guidance on public benefit and, in particular, the specific guidance on charities for the advancement of religion, along with the restrictions imposed regarding the Covid-19 pandemic. A basic budget was set but a review would have taken place if pandemic restrictions were lifted so as to allow our normal activities to fully restart.

The Church expressed its part in the life of the wider church by making grants to national and international Christian organisations and societies with Christian aims and objectives compatible with the church’s own charitable purpose. The largest grants were towards the support of the church’s own missionaries who are supported through Operation Mobilisation and Ambassadors In Sport. In addition, donations were made to Baptist Missionary Society and Open Doors. In light of our missionary with Glo Zambia stepping down, all of their outstanding accumulated funds were transferred to them.

2021 continued to be a different year with the Covid-19 restrictions. We were able to have services in our building, but with social distancing this reduced our attendance capacity and continued to impact our offering income, but the church members who had set up standing orders continued with them. The flat rental income provided the main income to the Property Fund, but having a tenant move into the Cottage from April has boosted this.

With the Covid-19 restrictions activities were still hindered, but as the year progressed the restrictions were gradually lifted and we were able to meet together more easily. The main expenditure during 2021 was salaries (though we were able to make use of the flexible-furlough scheme for our cleaner), and property utilities.

Reserves Policy

The Trustees have established a Reserves Policy which ensures a minimum balance of £11,370 in the General Fund. They are satisfied that the reserves are sufficient at the Balance Sheet date, together with ongoing income anticipated, to enable the church to function effectively in the coming year. A budget for 2022 was set consisting of essential spending and some activities to ensure a reserve of £24,000 at the end of the year; it has been difficult to decide which activities could restart and the budget will be reviewed as the restrictions change. There are some designated funds which can be returned to the General Fund if necessary.

In addition a Property Reserve, £24,602 at the Balance Sheet date, has been previously created from surplus funds (of the General Fund) in anticipation of unexpected and significant property repairs and maintenance in the future.

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Woodside Baptist Church – Annual Report and Accounts 2021

Volunteers

The Church is heavily dependent on its membership and congregation working as volunteers in all aspects of the church’s activities, many of which run with little or no impact on the church’s expenditure, but nevertheless contribute substantially to the achievement of the church’s objectives. No accounting for this time and effort has been included in the financial statements.

Funds held on behalf of other Organisations

None.

Pension Scheme Liability

The Church is an employer participating in the Baptist Pension Scheme (BPS) which is administered by the Baptist Pension Trust Ltd (the Pension Trustee; it is a separate legal entity and its assets are kept separate from all participating employers.

For service prior to 1 January 2012 benefits are provided through a Defined Benefit (DB) plan within the BPS. A formal value of the DB plan was performed at 31 December 2019 by a professionally qualified Actuary using the Projected Unit Method: the market value of the assets at the valuation was £298 million, but the valuation of the DB plan revealed a deficit of £18 million when comparing assets and liabilities (equivalent to a past service funding level of 94%). All participating employers are collectively responsible for funding the deficit. The next actuarial valuation of the DB Plan within the Scheme is due as at 31 December 2022.

The deficiency contributions are broadly based on 12% of Pensionable Income in March 2015. Between 1 July and 31 December 2020 the Trustee and the Council agreed a 50% reduction on all deficiency contributions payable. In addition the Baptist Union of Great Britain agreed to contribute a lump sum of £0.5m by 31 December 2020. The current Recovery Plan dated 30 September 2020 envisages deficiency contributions continuing until 30 June 2026.

The church has three members in the BPS DB plan one of which is receiving a pension. The church is making a monthly contribution of £303 which will increase in line with increases in Minimum Pensionable Income. The pension deficit liability shown in the Statement of Assets and Liabilities is calculated as the current rate per month multiplied by the number of months remaining in the Current Schedule of Contributions, amounting to £16,874 as at 31 December 2021. To buyout the Pension Scheme liabilities at 31 December 2021 the cost was approximately £45,300.

6. Plans for Future Periods

Looking ahead to 2022 we are planning to continue to provide a limited online service (via the church's private Facebook group and Zoom) for those unable to get to the building. In our services we will continue with our varied diet of teaching from both the Old and New Testaments in monthly series with an emphasis on applying the Bible to people's lived experience.

We intend to meet together on Sundays and as groups, as Government guidelines allow, whether in the Car Park or inside the building, following any social distancing, sanitisation and use of Personal Protective Equipment rules.

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Woodside Baptist Church – Annual Report and Accounts 2021

7. Statement of Trustees’ Responsibilities

The trustees are responsible for preparing the Trustees’ Annual Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England & Wales requires the trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources of the charity for that period. In preparing these financial statements, the trustees are required to:

The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008 and the provisions of the trust deed. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

.................................................................................................................... Treasurer

Signed: Mr Robert Newson (Treasurer)

.................................................................................................................... Senior Minister Signed: Revd Steve Calder (Senior Minister)

Signed on Behalf of the Trustees

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Woodside Baptist Church – Annual Report and Accounts 2021

8. Receipts and Payments Account

RECEIPTS AND PAYMENT ACCOUNTS

FOR THE YEAR ENDED 31ST DECEMBER 2021

RECEIPTS
Voluntary Income:
Offerings
Donations
Gift Aided Donations
Tax Recovered
Charitable Activities:
Fees & Contributions
Other Income
Investment Income:
Rent Received
Interest Received
Sub total
Asset and investment sales, etc
TOTAL RECEIPTS
PAYMENTS
Ministry:
Pastor Costs
( including Er NI, Pension,Expenses)
Mission:
Evangelism & Youth
Donations and Grants
Speakers
Training
Establishment:
Lighting & Heating
Council Tax & Water
Insurance
Refurbishment & Maintenance
Equipment
Publicity
Cleaning & Caretaking
Telephone & Internet
Postage, Printing & Stationery
Other Expenses
Sub total
Asset and investment purchases, etc
TOTAL PAYMENTS
NET OF RECEIPTS/(PAYMENTS)		 Unrestricted
Funds
£
21,346
6,793
27,801
5,816
-
-
-
66		 Unrestricted
Funds
£
21,346
6,793
27,801
5,816
-
-
-
66		 Designated
Funds
£
553
-
120
8
1,836
-
-
-		 Designated
Funds
£
553
-
120
8
1,836
-
-
-		 Restricted
Funds
£
240
140
11,368
2,621
571
679
22,510
-		 Restricted
Funds
£
240
140
11,368
2,621
571
679
22,510
-		 Endowment
Funds
£
-
-
-
-
-
-
-
-		 Endowment
Funds
£
-
-
-
-
-
-
-
-		 Total
Last
Funds
Year
£
£
22,139
12,865
6,933
16,745
39,289
41,094
8,445
12,329
2,407
1,813
679
49
22,510
15,360
66
244
61,822
-		 2,517
-		 38,129
-		 -
-		 102,468
100,499
-
61,822 2,517 38,129 - 102,468
100,499
35,498
240
-
780
580
2,560
3,479
3,765
-
9
35
4,987
950
221
5,168		 -
-
472
-
-
1,323
400
-
-
-
-
-
-
-
-		 -
1,711
16,435
-
-
-
-
-
20,858
245
-
-
-
-
-		 -
-
-
-
-
-
-
-
-
-
-
-
-
-
-		 35,498
34,407
1,951
452
16,907
22,753
780
220
580
1,080
3,883
3,589
3,879
5,554
3,765
3,645
20,858
14,714
254
95
35
31
4,987
5,252
950
876
221
44
5,168
3,791
58,272
-		 2,195
-		 39,249
-		 -
-		 99,716
96,503
-
58,272 2,195 39,249 - 99,716
96,503
3,550 322 (1,120) - 2,752
3,997

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Woodside Baptist Church – Annual Report and Accounts 2021

9. Statement of Assets and Liabilities

STATEMENT OF ASSETS AND LIABILITIES AS AT 31ST DECEMBER 2021

Cash Funds
Other monetary assets
Investment assets
Assets retained for the charity's
own use
Liabilities		 Unrestricted
Funds
£		 Unrestricted
Funds
£		 Unrestricted
Funds
£		 Designated
Funds
£		 Designated
Funds
£		 Restricted
Funds
£		 Restricted
Funds
£		 Endowment
Funds
£		 Endowment
Funds
£		 Endowment
Funds
£
Current Accounts 30,541 9,405 12,635 -
Deposit Accounts - 32,745 17,170 -
Cash 72 - 177 -
Overpaymentat HMRC - - - -
Total cash funds 30,613 42,150 29,982 -
Unrestricted
Funds
£		 Designated
Funds
£		 Restricted
Funds
£		 Endowment
Funds
£
Tax reclaims due 2,828 88 694
Fund to which asset belongs Cost
£		 Current
Value
£
None
Fund to which asset belongs Cost
£		 Current
Value
£
Main church buildings - 3,103,338
Fund to which liability belongs Cost
£		 Current
Value
£
Pension Deficit - 16,874

Signed by one or two trustees on behalf of all trustees

Signature Print name
Date of approval		 Print name
Date of approval
Robert Newson 18/06/2022

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Woodside Baptist Church – Annual Report and Accounts 2021

10. Notes to the Accounts

NOTES TO THE ACCOUNTS FOR THE YEAR ENDED 31ST DECEMBER 2021

a) Summary of Movements by Fund
Unrestricted Funds
General Fund
Designated Funds
Property Reserve
Thankoffering
Christmas Offering/Postbox
AV/PA Equipment
Legacies
Church Running Costs
Total
Restricted Funds
Property Fund
Missionary Fund
Sunday Club
Parents & Toddlers
Young Peoples Group
Brigades
WBS
Other
Total
b) Donations & Grants by Recipient
Mark & Emma Handley (OM)
Graham & Natasha Dancy (AIS)
David & Nanna Lukama (Glo)
Paul & Jean Dancy
BMS
Open Doors
Other
Alajoki (OM)
Woodside Bereavement Service
Practical Fellowship
West Croydon Refugee Centre
Croydon Churches Floating Shelter
Bahamas Relief
Total		 B/fwd
28,087
24,602
0
0
4,762
0
55		 B/fwd
28,087
24,602
0
0
4,762
0
55		 Income
£
61,822
0
0
231
0
0
1,844		 Expenditure
£
(58,274)
0
0
0
0
0
(1,723)		 Expenditure
£
(58,274)
0
0
0
0
0
(1,723)		 Expenditure
£
(58,274)
0
0
0
0
0
(1,723)		 Transfers
£
(1,023)
0
0
0
0
(1,000)
0		 Transfers
£
(1,023)
0
0
0
0
(1,000)
0		 C/fwd
£
30,612
24,602
0
231
4,762
12,410
175
29,419
6,196
7,825
1,631
2,571
3,112
4,095
0
3,725		 2,075
22,510
10,889
936
200
1,068
1,033
0
1,583		 (1,723)
(20,858)
(15,071)
(507)
(324)
(316)
(1,111)
0
(1,153)		 (1,000)
0
1,523
0
0
500
0
0
0		 42,180
7,848
5,167
2,060
2,447
4,364
4,017
0
4,156
29,155
Unrestricted
Funds
£
0
0
0
0
0
0
0
0
0
0
0
0
0		 38,219
Designated
Funds
£
0
0
0
0
472
0
0
0
0
0
0
0
0		 (39,340)
Restricted
Funds
£
7,700
5,030
2,341
490
0
418
200
0
0
0
0
0
0		 2,023
Total
Funds
£
7,700
5,030
2,341
490
472
418
200
0
0
0
0
0
0		 30,059
Last
Year
£
7,700
5,000
1,000
300
0
973
300
1,040
625
569
405
374
250
0 472 16,179 16,651 18,536

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Woodside Baptist Church – Annual Report and Accounts 2021

11. Independent Examiner's Report

Independent Examiner's Report to the Trustees of Woodside Baptist Church

I report on the accounts of the Church for the year ended 31 December 2021 which are set out on pages 13 to 15.

Respective responsibilities of trustees and examiner

The charity’s trustees are responsible for the preparation of the accounts. The charity’s trustees consider that an audit is not required for this year under section 144(2) of the Charities Act 2011 (the 2011 Act) and that an independent examination is needed.

It is my responsibility to:

Basis of independent examiner's statement

My examination was carried out in accordance with the general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from you as trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit and consequently no opinion is given as to whether the accounts present a “true and fair view” and the report is limited to those matters set out in the statement below.

Independent examiner's statement

In connection with my examination, no matter has come to my attention:

have not been met; or

(2) to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.

Mr R Chester . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 Hunstanton Ave Birmingham B17 8TA

Date . . . . . . . . . . . . . . . . . . .

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