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2024-12-31-accounts

St Mark’s Church, Forest Gate – Annual Report of the Parochial Church Council for the Year Ended 31 December 2024

Administrative Information

St Mark’s Church is situated in Lorne Road, Forest Gate. It is part of the Diocese of Chelmsford within the Church of England. The correspondence address is: 41A Tylney Road, Forest Gate, London, E7 0LS. The Parochial Church Council (PCC) is a body corporate (PCC Powers Measure 1956 and Church Representation Rules 2006) and a charity registered with the Charity Commission as charity number 1132240.

PCC members who have served from 1 January 2024 until the date this report was approved are:

Ex Officio Members Vicar: Ben King Chair Churchwardens: Mike Richardson Data & Electoral Roll Officer Sharon Yates Until 19 May 2024 Elected Members Ann Arnold Vice-Chair and Deanery Synod Representative Peter Arnold Treasurer Janet Bone Deanery Synod Representative and Parish Safeguarding Officer Bola Ogunfowokan Charlotte Mouzer Michael Semuguruka Leonie Upson Bethany Yates Parish Worker (Co-opted) Sharon Yates Elected at APCM 19 May 2024

Charlotte Mouzer served as secretary until 19 May 2024; Sharon Yates served as secretary thereafter.

Structure, Governance and Management

The method of appointment of PCC members is set out in the Church Representation Rules. At St Mark’s the membership of the PCC consists of the incumbent (vicar), the churchwardens, and members who are elected by those members of the congregation who are on the electoral roll of the church. All members of the congregation who regularly attend St Mark’s Church are encouraged to register on the Electoral Roll.

The PCC members are responsible for making decisions on all matters of general concern and importance to the parish, including deciding how the PCC funds are to be spent. The PCC met six times during the year, with an average attendance level of over 95%.

Aims and Purposes

The PCC has the responsibility of co-operating with the vicar in promoting the whole mission of the Church, pastoral, evangelistic, and social, in the parish. The PCC is also responsible for maintenance of the church building of St Mark’s, Lorne Road, Forest Gate.

Objectives and Activities

The PCC is committed to enabling as many people as possible to worship at our church and to become part of the parish community at St Mark’s. The PCC maintains an overview of worship, and aims that our worship and services put our faith into practice through prayer, scripture, music and sacrament. We try to enable ordinary people to live out their faith as part of our parish community through:

To facilitate this work it is important that we maintain the fabric of the St Mark’s church building.

Page 1

Achievements and Performance

Worship and Prayer

Further to a number of new people joining us in 2023, the Lord placed the importance of discipleship on our hearts. As such, we explored the book of James extensively and launched our new vision and values to help inform the kind of disciples God has called us to be. Our annual motto focused on the theme of the Promised Land (Deuteronomy 30:16) with an accompanying sense of God leading us ever closer to where He wants us to be.

One of the undoubted highlights of the year was Pentecost Sunday when 10 people were either baptised or renewed their baptismal vows. After the service about 100 of us enjoyed a time of food and fellowship in our newly refurbished garden area. Thank you, Lord!

Our shared leadership programme has developed and we continue to encourage people to explore their spiritual gifts and to play their part fully and faithfully within the body of Christ.

Our regular weekly evening prayer meeting continued as did our larger monthly prayer meeting. We also participated in Thy Kingdom Come and invited the church family to dedicate more time and effort to prayer for the 10 days between Ascension and Pentecost. An Advent prayer diary which included every member of the church family was also circulated and we encouraged people to pray daily for fellow brothers and sisters.

Deanery Synod

The Rev. Ben King and two lay members, Ann Arnold and Janet Bone, represented the church at Deanery Synod and reported about Synod at each PCC meeting. This provides the PCC with a link between the parish and the wider structures of the Church of England.

The synod in March had two main items. Becca Rogers shared suggested Parish and Deanery responses to Travellers and Roma people. Jill Duncan, Newham Deanery’s Youth Champion also shared some suggested responses to youth, children and their parents or carers by our churches.

At synod in June there were two main items, the first of which came from James Grenfell, Chaplain of University of East London, in which he encouraged the local churches to engage with the students. Archdeacon Chris Burke also gave an update on the current SMIIB bid.

In September, the main item was The Church and the Environment with Ruth Mills, Newham Deanery Environmental Advisor as speaker. In December the main item was Lay Matters in which Janet Bone, Lay Chair and Shirley Biro, Assistant Lay Chair shared their engagement with and support for the laity in the past year. They also introduced a social event planned for February.

Page 2

The Church Building

Regular inspections of the fabric of the building and its contents have taken place, to ensure the safety of all who use it.

Maintenance and other work undertaken:

Page 3

Pastoral Care

Pastoral support has continued, mainly through telephone contact and email, but also through house visits and home communions. A pastoral care team was launched, and we trust that God will raise up the right people in due course to help lead and oversee it. Communication across the whole church family has been maintained through email updates (with paper copies made available to those without internet access).

Mission and Evangelism

The year started with Discipleship Explored, an 8-week course to help develop the teaching people had received on Alpha the previous autumn. It also proved instrumental in helping to nurture established relationships.

Our coffee bike is now in its third year and the Pop-Up cafes have seen encouraging numbers. By the end of 2024, we had been in contact with well over 200 families through our weekly Play Café. Both our local schools also invited us to their annual fetes which provided further opportunities to build relationships with our community. Messy Church sessions at various points in the year were well-attended and special one-off events such as our ‘Big Treat Handout’ (alternative Halloween outreach), also provided opportunities to serve our community with the love of Jesus. We estimate that we had contact with over 700 children and adults at this particular event.

The contract for our parish worker, Bethany Yates, was extended for a further year, albeit on slightly reduced hours as she pursues a 2-year course at St Mellitus, specialising in youth ministry. Her excellent work continued to make a positive impact on our church life and on our mission and outreach.

Ecumenical Relationships

Local churches of different denominations came together to worship during the first three evenings of Holy Week. As in previous years, the Good Friday Walk of Witness was well-attended.

Faith In Schools (FIS) brought people together from different churches to present the Christmas and Easter stories to hundreds of young schoolchildren in the borough.

We continued to serve as a drop-off point for our local Foodbank which is run by the Baptist church in Forest Gate.

Ministers’ prayer meetings continued monthly.

Financial Review

Total receipts on unrestricted funds were £81,895, total receipts for designated funds were £9,592, and total receipts for restricted funds were £13,603; restricted funds included a grant of £11,326 from London Over the Border to support our youth and children’s work. These are detailed in the financial statements.

£100,188 was spent from the unrestricted funds, £46,185 was spent from the designated funds, and £14,521 from the restricted funds, to provide the Christian ministry from St Mark’s Church. This includes the PCC’s contribution to the Chelmsford diocesan parish share, which contributes to the cost of stipends, pensions, training, and housing for clergy in the diocese. These are detailed in the financial statements.

The PCC continued with its agreed policy to give away 10% of its net income (i.e. income excluding grants and money given for specific causes) each year to support Christian ministry at home and overseas. A total of £7,804 was given to support 16 Christian ministries at home and abroad. In addition, £1,235 which had been given by members and supporters for specific appeals and charities was passed on to those appeals and charities.

The net result was an excess of expenditure over receipts of £55,803. On 31 December 2024 the balance of unrestricted funds carried forward was £4,684; the balance of designated funds carried forward was £103,170; the balance of restricted funds carried forward was £6,036.

Investment assets as at 31 December 2024 were £321,843 in the CCLA Church of England Investment Fund, plus £486 in shares in Banco Santander. Both these investment assets increased in value during the year as a result of financial market conditions.

Page 4

Reserves Policy

It is the PCC’s policy to invest short term funds balances in the CCLA Church of England Deposit Fund. This is used to smooth out fluctuations in cash flow and to meet emergencies. As at 31[st] December 2024 the PCC had £111,612 invested with the CCLA Church of England Deposit Fund.

Church Attendance

There were 65 people on the electoral roll as of December 2024, of whom 16 live outside the parish. The equivalent figure for December 2023 was 91 people, of whom 36 lived outside the parish. A new electoral roll will be prepared in May 2025 in which many of those having recently joined the church will be eligible for inclusion.

The number of people of any age worshipping regularly at St Mark’s (not necessarily on the electoral roll) is currently 113, covering 61 households. The equivalent figure for December 2023 was 91, covering 51 households.

Review of the Year

The PCC held six meetings during 2024, all of which meetings were held face to face plus a PCC Day Together to pray and discuss Vision and Values.

Items discussed by the PCC included the following:

Page 5

Safeguarding

This last year St Mark’s and its PCC have taken due regard to safe-guarding guidance issued by The House of Bishops.

In this last year Janet Bone was the Parish Safeguarding Officer. We have continued to embed safeguarding in the life of St Mark’s using the Safer Recruitment Procedure. A safeguarding report is an element of PCC agendas.

No serious safeguarding incidents relating to St Marks Church have been reported this year.

Data Protection

All names and contact details are held securely. They are used solely to keep in touch with church members and are never shared with third parties.

Signed on behalf of the PCC

Rev’d Ben King (Vicar and PCC Chair)

Page 6

Parochial Church Council of St Marks, Forest Gate Financial Statement for the Year Ended 31st December 2024

Receipts & Payments Account

RECEIPTS
Voluntary Receipts
Gift Aided Giving
Gift Aid tax recovered
Collections at Services
Contactless card reader (gross amount)
Other planned giving
Giving for Specific Causes
Grants & Legacies
LOB Grant for youth work
LBN Grant for King's Coronation
Diocese of Chelmsford Grant for Energy Costs
Legacy (Val Adkins)
Legacy (Daphne Farrow)
Legacy (Joan Houghton)
Church Activities:
Wedding & Funeral Fees
Parish magazine
Use of building
Banner Group
Activities for Generating Funds
Ebay Sales
Investment Income
Banco Santander dividends
CCLA (investment account)
CCLA (deposit account)
Other Receipts
Photocopier rental refund
Total Energy (gas) refund
Other refunds
Payments for printing & photocopying
TOTAL RECEIPTS		 UNRESTRICTED
FUNDS
£
46,265.91
12,721.09
3,249.85
1,350.00
3,808.95
67,395.80
0.00
456.00
656.00
3,250.00
4,362.00
207.00
207.00
16.82
1,390.30
8,273.30
9,680.42
60.78
76.17
112.80
249.75
81,894.97		 DESIGNATED
FUNDS
£
2,248.00
2,248.00
0.00
0.00
0.00
7,343.84
7,343.84
0.00
9,591.84		 Other
Specific Causes
Youth Work Maintenance
£
£
£
645.00
380.00
642.15
610.00
380.00
1,287.15
610.00
0.00
11,326.00
0.00
0.00
11,326.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
380.00
1,287.15
11,936.00
0.00
RESTRICTED FUNDS		 2024
2023
£
£
46,265.91
40,175.78
12,721.09
12,273.86
3,249.85
3,631.13
4,243.00
5,242.38
3,808.95
5,646.68
1,632.15
4,775.39
TOTAL FUNDS
71,920.95
71,745.22
11,326.00
0.00
0.00
500.00
0.00
1,045.00
0.00
50.00
0.00
500.00
0.00
295.00
11,326.00
2,390.00
456.00
1,338.00
656.00
598.00
3,250.00
0.00
0.00
5.00
4,362.00
1,941.00
207.00
0.00
207.00
0.00
16.82
12.58
8,734.14
8,600.50
8,273.30
6,860.14
17,024.26
15,473.22
0.00
238.89
60.78
0.00
76.17
0.00
112.80
119.65
249.75
358.54
105,089.96
91,907.98

Ready for examiner

Page 1 of 6

11/05/2025

PAYMENTS
Church Activities:
Planned Giving
Asha Trust
Asian Friendship Centre
Christian Solidarity Worldwide
Elim Missions (Rachel & John McDonough)
Faith in Schools
London City Mission
Open Doors
OneLife
Adhoc Giving
Bishop's Lent Appeal
Christian Solidarity Worldwide
DEC Middle East Appeal
DEC Turkey/Syria Earthquake Appeal
Discretionary
Elwin's Retirement Gift
Evangelical Alliance
Godwin Pupils Holiday Support
Great Lakes Outreach
London City Mission
Red Cross Libya Flood Appeal
Red Cross Morocco Appeal
SSF Plaistow
Tear Fund (Ethiopia Appeal)
Tear Fund (Middle East Appeal)
Children's Society
Dalit Freedom Network (education)
Dementia UK
Godwin Junior Christmas Fair
Godwin School Summer Fete
King Family New Baby
Link to Hope (Shoeboxes)
Woodgrange School PTA		 UNRESTRICTED
FUNDS
£
600.00
750.00
450.00
900.00
450.00
600.00
450.00
624.00
100.00
1,000.00
445.16
200.00
120.00
500.00
500.00
100.00
15.00
7,804.16		 DESIGNATED
FUNDS
£
0.00		 Other
Specific Causes
Youth Work Maintenance
£
£
£
10.00
24.00
33.00
122.15
485.00
259.34
302.00
0.00
1,235.49
0.00
0.00
RESTRICTED FUNDS		 2024
2023
£
£
0.00
600.00
600.00
600.00
750.00
750.00
450.00
0.00
900.00
900.00
450.00
0.00
600.00
600.00
450.00
0.00
624.00
0.00
100.00
0.00
1,010.00
0.00
0.00
2,596.00
445.16
108.19
200.00
0.00
120.00
120.00
0.00
115.09
500.00
0.00
500.00
0.00
0.00
905.00
0.00
1,196.42
100.00
30.00
0.00
500.00
0.00
850.00
24.00
0.00
33.00
18.61
0.00
230.80
0.00
130.00
122.15
0.00
500.00
0.00
259.34
213.66
302.00
122.00
TOTAL FUNDS
9,039.65
11,335.77

Ready for examiner

Page 2 of 6

11/05/2025

UNRESTRICTED DESIGNATED RESTRICTED FUNDS RESTRICTED FUNDS TOTAL FUNDS
FUNDS FUNDS Other Specific Causes Youth Work Maintenance 2024 2023
£ £ £ £ £ £ £
Church Activities:
Ministry:
Diocesan parish share 51,575.04 51,575.04 53,783.76
Deanery 86.56 86.56 0.00
Vicar's expenses 817.52 817.52 821.44
Mission & outreach:
Advent & Christmas 1,618.92 1,618.92 1,268.17
Alpha Course 0.00 2,986.16
Baptismal Shell 0.00 61.95
Big Treat Handout 512.38 512.38 0.00
Books 0.00 97.50
Café Church 183.86 183.86 0.00
Children 33.98 33.98 87.84
Community Cupboard 0.00 119.50
Coronation Party 0.00 868.73
Evangelistic Materials & Posters 0.00 28.00
Fees & Subscriptions 775.37 775.37 851.16
Flowers 0.00 208.47
Harvest 23.26 23.26 0.00
Jumble Trail 59.67 59.67 390.35
Leaving & Thank You Gifts 357.49 357.49 164.98
Lent and Easter 1,110.05 1,110.05 384.05
Light Party & Big Treat 0.00 363.23
Magazine 1,147.49 1,147.49 1,216.99
Men's Group 342.82 100.00 442.82 0.00
Messy Church & Messy Mondays 1,122.09 200.00 110.20 1,432.29 803.47
Mothering Sunday 90.00 90.00 80.00
New Bibles 0.00 467.45
Music Group 21.35 21.35 0.00
PCC Day 114.28 114.28 120.70
Pentecost 341.45 341.45 0.00
Pink Bin Project & Food Bank 0.00 50.97
Prayer Booklets 110.00 110.00 0.00
Shared Lunch 70.27 70.27 25.74
Services 167.69 167.69 516.24
Thy Kingdom Come 304.73 304.73 135.25
Training 44.71 44.71 0.00
Transform Newham 138.58 138.58 0.00
Baptisms 701.38 701.38 0.00
Communion Linen 173.59 173.59 0.00
Discipleship Course, BBQ & Group 285.66 285.66 0.00
Forest Gate Festival 500.55 500.55 237.39
Together 482.47 482.47 0.00
Welcome Teas & Open Gardens 364.68 364.68 0.00
Pop Up Café Running Costs 3,457.85 3,457.85 3,886.01
Youth Work 1,279.53 9,416.97 10,696.50 10,435.50
Wedding & Funeral Fees 352.00 352.00 1,115.00
Carried forward to next page 64,771.15 538.27 3,757.85 0.00 9,527.17 0.00 78,594.44 81,576.00
Ready for examiner Page 3 of 6 11/05/2025
Brought forward from previous page
Church Running Expenses:
Electricity
Gas
Water
Insurance
Refuse Collection
Major Works: Fascia Boards & Gutters
Major Works: Outdoor Area
Major Works: Resite Tylney Road Gates
Audio-Visual & PA
Boiler & Heating
Chairs
Cleaning & PPE
Cupboards
Dishwasher
Doors, Keys & Locks
Electrical & PAT
Fencing, Gates & Garden
Fire Alarms, Extinguishers & Fire Signs
Health & Safety: External
Ladder & Tools
Movawalls
Quinquennial Preparation
Removing Rubbish
Security
Sign at front of Church
Toilets & Water
Vicarage
Windows
Miscellaneous
Staff
Catering and Sunday Tea Coffee Milk
Church Activities:
Church management & administration
Photocopying
Stationery
Contactless Card Reader Fees
Web Site, Internet & IT
Phones
Accountant's & Examiner's Fees
Bank charges
TOTAL PAYMENTS		 UNRESTRICTED
FUNDS
£
64,771.15
2,804.40
2,207.59
592.63
1,410.55
1,009.34
8.29
936.80
348.42
150.00
584.99
1,744.99
476.24
2,827.98
1,059.64
960.00
380.00
239.99
122.40
490.00
132.00
200.00
5.01
1,450.00
203.24
85,115.65
2,359.71
646.87
67.39
1,575.75
1,998.43
400.00
219.56
7,267.71
100,187.52		 DESIGNATED
FUNDS
£
538.27
7,487.00
10,000.35
1,943.00
170.00
26,046.71
46,185.33
0.00
46,185.33		 Other
Specific Causes
Youth Work Maintenance
£
£
£
3,757.85
0.00
9,527.17
0.00
3,757.85
0.00
9,527.17
0.00
0.00
0.00
0.00
0.00
3,757.85
1,235.49
9,527.17
0.00
RESTRICTED FUNDS		 2024
2023
£
£
78,594.44
81,576.00
2,804.40
2,350.14
2,207.59
2,764.05
592.63
518.17
1,410.55
1,379.58
1,009.34
976.96
7,487.00
0.00
10,000.35
0.00
1,943.00
0.00
8.29
37,991.50
936.80
1,501.92
170.00
0.00
348.42
322.54
150.00
0.00
584.99
464.15
1,744.99
154.97
476.24
620.22
2,827.98
1,015.41
1,059.64
988.11
960.00
360.00
0.00
223.84
0.00
509.97
0.00
1441.45
380.00
0.00
239.99
207.47
122.40
0.00
490.00
26.00
132.00
139.20
200.00
0.00
5.01
0.00
27,496.71
19,941.69
203.24
78.98
TOTAL FUNDS
144,586.00
155,552.32
2,359.71
2,760.03
646.87
303.73
67.39
85.06
1,575.75
1,065.08
1,998.43
1,951.31
400.00
0.00
219.56
206.63
7,267.71
6,371.84
160,893.36
173,259.93

Ready for examiner

Page 4 of 6

11/05/2025

TOTAL RECEIPTS
TOTAL PAYMENTS
EXCESS OF RECEIPTS OVER PAYMENTS /
EXCESS OF PAYMENTS OVER RECEIPTS
CASH AT BANK & CCLA AT 1ST JANUARY
Transfer from Unrestricted to Designated Funds
CASH AT BANK & CCLA AT 31ST DECEMBER*		 UNRESTRICTED
FUNDS
£
81,894.97
100,187.52
-18,292.55
24,769.67
-1,793.00
4,684.12		 DESIGNATED
FUNDS
£
9,591.84
46,185.33
-36,593.49
137,970.07
1,793.00
103,169.58		 Other
Specific Causes
Youth Work Maintenance
£
£
£
380.00
1,287.15
11,936.00
0.00
3,757.85
1,235.49
9,527.17
0.00
-3,377.85
51.66
2,408.83
0.00
7,004.87
-51.66
0.00
0.00
3,627.02
0.00
2,408.83
0.00
RESTRICTED FUNDS		 2024
2023
£
£
TOTAL FUNDS
105,089.96
91,907.98
160,893.36
173,259.93
-55,803.40
-81,351.95
169,692.95
251,044.90
0.00
0.00
113,889.55
169,692.95

Ready for examiner

Page 5 of 6

11/05/2025

Parochial Church Council of St Marks, Forest Gate Financial Statement for the Year Ended 31st December 2024

Statement of Assets and Liabilities

Cash funds
NatWest bank current account
Transfer from Unrestricted to Designated Funds
CCLA Central Board of Finance Deposit Fund		 UNRESTRICTED
FUNDS
£
2,278.05
-1,793.00
4,199.07
4,684.12		 DESIGNATED
FUNDS
£
0.00
1,793.00
101,376.58
103,169.58		 Other
Specific Causes
Youth Work Maintenance
£
£
£
0.00
0.00
0.00
0.00
3,627.02
0.00
2,408.83
0.00
3,627.02
0.00
2,408.83
0.00
RESTRICTED FUNDS		 2024
2023
£
£
2,278.05
-645.25
111,611.50
170,338.20
TOTAL FUNDS
113,889.55
169,692.95
Other monetary assets
Income tax recoverable
1,611.88
Investment assets
Shares in Banco Santander
486.36
CCLA Investment Account
51,494.89
51,981.25
84% of the money in the CCLA Investment Account is from Helen Rigby's legacy
Note 1 Funds held
General Fund
4,684.12
Designated Funds
Pop Up Café Receipts via card reader
Val Adkins' legacy
Daphne Farrow's legacy
Joan Houghton's legacy
Elizabeth Palmer's legacy
Helen Rigby's legacy
Designated Funds Total
Restricted Funds
Flowers
LOB Grant for Pop Up Café Running Costs
LOB Grant for Youth Work
Specific Causes
Restricted Funds Total
Note 2 Investments Held
(Value as at 4 November 2024)
126 shares in Banco Santander
486.36
(Values as at 31st December 2024)
13918.92 shares in CCLA Investment account
51,494.89
(84% is Designated Fund from Helen Rigby's legacy)		 270,348.12
270,348.12
0.00
0.00
0.00
0.00
(designated fund); the remaining 16% is general fund.
4,041.00
0.00
0.00
79.46
16,146.82
82,902.30
103,169.58
80.00
3,547.02
2,408.83
3,627.02
0.00
2,408.83
0.00
270,348.12		 1,611.88
2,279.50
486.36
425.32
321,843.01
314,641.36
322,329.37
315,066.68
4,684.12
24,769.67
4,041.00
0.00
0.00
50.00
0.00
78.05
79.46
295.00
16,146.82
24,198.50
82,902.30
113,348.52
103,169.58
137,970.07
80.00
0.00
3,547.02
7,004.87
2,408.83
0.00
0.00
-51.66
6,035.85
6,953.21
486.36
292.32
321,843.01
287,584.37

Ready for examiner

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11/05/2025

Jagdeep Ghatsore ACMA CGMA 69 Highwood Gardens Iword Essex. IG5 OAY Independent examinee8 report to the trustees of The Pan)chlal Church Councll of St Marks. Forest Gate I report to the trustees on my examination of the accounts of the Parochial Church Council of St. Marks, Forest Gate (the 'charty') for the year to 31 December 2024. Responslbllltle8 and basls of rnport As the charity trustees of the Charity, you are responsible for the preparation of the accounts in accordan￿ with the requirements of the Charib'es Act 2011 ('the Art): You consider that the audit requirements of the Regulats'on and s.43(2) of the Act do not apply It is my responsibility to issue this report on those financial ststements in accordance with the tsms of the regulats'ons. My examination was carried out in accordance with the General Directions given by the Charity Commission under section 43(7) (b) of the Act and to be Church guidance 20CE Edition. The examinats.on includes a review of the accounting records kept by the PCC and a comparison of the accounts with those records. It also includes cnnoidering any Linusual items or disclosures in the finance statements, and seeking explanats'ons from you as trustees conceming any such matters. The procedures undertaken do not provide all the evidence on the view given by the accounts. Independent examinef8 Statement I have completed my examination and I confirm that no material matters have come to my attention in connection with the examinats'on giving me cause to believe that in any material respect". 1 . Accounting records were not kept as required by section 130 of the Charrties Act 2011 2. The accounts do not accord with those records; or 3. The accounts do not comply with the applicable requirements conceming the form and content of accounts set out in the Charrties (Accounts and Reports) Regulations 2008 ott￿r 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 cOn￿mS and have come across no other matters in connection with the examination to which attents.on should be drawn in this report in order to enable proper understanding of the accounts to be reached. Signed: Jagdeep Ghataore ACMA CGMA Date.. 31LIz