Trustees' Annual Report for the period
Period start date Period end date
Day Month Year Day Month Year From 01 01 2021 To 31 12 2021
Section A Reference and administration details
Charity name Al-Zohra Education Trust
Other names charity is known by
Registered charity number (if any) 1133160
Charity's principal address[LYTCHETT HOUSE, 13 FREELAND PARK]
WAREHAM ROAD POOLE, DORSET Postcode BH16 6FA
Names of the charity trustees who manage the charity
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Dates acted if not for whole Name of person (or body) entitled
Trustee name Office (if any)
year to appoint trustee (if any)
Mrs Shahnaz Chair person &
1
Akhtar Acting Treasurer
Miss Tabindah
2
Akhtar
3 Mrs Zaida Parveen
Mrs Shahnaz
4
Sadiq
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
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Names of the trustees for the charity, if any, (for example, any custodian trustees)
Name Dates acted if not for whole year
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Names and addresses of advisers (Optional information)
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Type of adviser Name Address
Accountant Tim O’Brien CA The Green, Datchet Berkshire, SL3 9AS
Bank (2021) RBS PO Box 5479, 1 Spinningfields Square, Manchester, M61
0NH
Bank (2022) Virgin Money Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL
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Name of chief executive or names of senior staff members (Optional information)
Section B Structure, governance and management
Description of the charity’s trusts
Trust Deed Type of governing document (eg. trust deed, constitution) Trust How the charity is constituted (eg. trust, association, company) Appointed by existing trustees Trustee selection methods (eg. appointed by, elected by)
Additional governance issues (Optional information)
Induction & Training of Trustees You may choose to include additional information, where Prior to appointment, potential trustees are required to demonstrate a relevant, about: strong commitment to the Trust’s work, for example through regular policies and procedures involvement in our work. adopted for the induction and training of trustees; Following appointment, all trustees are required to participate in an the charity’s organisational induction workshop to familiarise themselves with our Trust Deed. This workshop is led by the existing trustees. structure and any wider network with which the charity works; Each trustee has specific responsibilities according to their individual skills, however we all work closely together to share knowledge and relationship with any related experience where required. parties;
- trustees’ consideration of Risks major risks and the system and procedures to manage The trustees are satisfied that systems are in place to manage the them. identified risks.
As part of the Trust’s work involves working in close proximity to children (at the Slough supplementary school), the following measures have been implemented to ensure their protection:
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Disclosure and Barring Service (DBS) checks of all trustees and staff;
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- Child Protection Policy with which all staff are required to be familiar;
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Training of key staff members in basic first aid and food hygiene.
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Section C Objectives and activities
| Summary of the objects of the charity set out in its governing document Summary of the main activities undertaken for the public benefit in relation to these objects (include within this section the statutory declaration that trustees have had regard to the guidance issued by the Charity Commission on public benefit) |
The objects of the charity are set out in our Trust Deed as follows: - To relieve poverty and sickness of persons suffering in the UK and overseas. - To advance the education of persons in the UK. - To relieve persons in need from the Muslim community in the UK, particularly by advice and support services. - To promote and advance the religion of Islam. |
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| The Trust carries out a range of activities in pursuit of our charitable objects as outlined above. Our activities assist beneficiaries within our areas of operation in addition to the wider community, in compliance with the requirements of section 4 of the Charities Act 2006 i.e. to have due regard to public benefit. In 2021, the ongoing restrictions associated with Covid-19 continued to have a significant impact on charitable activities, most notably fundraising events and delivery of our regular projects. However, we continued to hold weekly Islamic Studies classes via Zoom. Supplementary School (Slough) The Trust first offered Islamic Studies classes in 2004 at hired facilities within the Slough area. Since 2013, the Chair Person has provided the Trust with the use of a premises free of charge until such time that the Trust is able to raise sufficient funds to purchase its own building. From March 2020, due to Covid-19, all classes at the premises were temporarily suspended. In July, when it became apparent that lockdown may be a longer term situation, the Trust moved classes to Zoom where possible. The following classes continued into 2021: Weekly_Tafsir_(interpretation of the Holy Qur’an) classes, free of charge, attended by approximately ten women. Islamic Studies classes for children aged 7-13 years. Approximately six students attended three times per week on Zoom. Three students from the previous year graduated in their studies. Unfortunately, the special events that would normally take place throughout the year to coincide with significant religious events in the Islamic calendar did not take place in 2021 due to lockdown restrictions. Use of premises Whilst the Chair Person continued to allow the Trust to use the premises free of charge, due to lockdown restrictions, all activities at the premises were suspended. As the premises had not been in use for more than 12 months and classes were likely to continue via Zoom in the longer term, the premises was put on sale. Events This year, our regular annual events, including fundraisers and the 5 / 10k sponsored walk, were cancelled due to Covid-19 with a significant impact on fundraising. |
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Charitable Projects (UK) Each year, the Trust donates Christmas hampers to the homeless Look Ahead hostels in Slough and Maidenhead. In 2021, we donated 26no. hampers containing brand new blankets, clothes and food to the Slough Lookahead Hostel residents.
Charitable Projects (Overseas)
The Trust funds a number of long term poverty relief initiatives in Pakistan in partnership with local registered NGOs. The following activities were undertaken:
You may choose to include further statements, where relevant, about:
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policy on grantmaking;
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policy programme related investment;
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contribution made by volunteers.
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Zakat distribution (a form of specific charitable giving, regulated in accordance with the Qur’an). In previous years, we have invested in micro-finance initiatives, including start up funds and interest free loans for small businesses in partnership with the Saylani Welfare Trust International (registration no. 1145851). In 2013, we awarded 50 families with auto rickshaws worth around £1200 each on an interest free loan basis. Recipients were required to make a small initial deposit followed by 24 monthly interest free payments. A number of recipients have now repaid their loans and own the rickshaws outright. In 2014, we froze additional investment in the microfinance initiatives to focus on new projects, however ongoing repayments have continued to sustain the auto rickshaw scheme.
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Qurbani (sacrifice of livestock during Eid ul-Adha and distribution of meat to the poor). This year, we received donations for over ninety one livestock which were distributed to beneficiaries in Africa through our charity partner, the Al-Khair Foundation (UK registration no. 1126808). This was a slight increase on the previous year, a particular challenge given the lack of availability of our volunteer team due to lockdown restrictions.
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Advice & Support Services The Trust is a place where local women frequently drop in for a friendly chat and personal advice. Until lockdown, the Trust continued to provide confidential advice to women on family matters.
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Policy on Grantmaking We regularly receive donations from the public for the following:
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Charitable projects in the UK
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Poverty relief work overseas
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Zakat
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Sadaqah
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Qurbani
Our policy on grantmaking is based on utilising donations as effectively and transparently as possible. Until lockdown, each year we were holding an annual event to which donors are invited to view progress with our projects in Pakistan.
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Overseas, we only work alongside established and registered organisations that are locally based, which in previous years have included Islamic Relief, Save the Children and the Saylani Welfare Trust International. Until 2018, the Chair Person would make a self-funded trip to Pakistan annually to oversee the Ramadan project and the Orphan Sponsorship Programme.
In the UK, prior to awarding a grant, at least two trustees visit the applicant to verify information provided on the application and confirm alignment with the Trust’s objectives.
Contribution by Volunteers
Since the charity’s establishment in 2004, a core team of volunteers regularly donate all of their time free of charge, often in the evenings and at weekends. Our volunteers also contribute to their own expenses and to those of the Trust, providing free supplies for the day to day running of the charity.
We have an expenses policy in order to reimburse volunteers for reasonable expenses incurred on the charity’s behalf. The expenses are covered using funds raised from the sale of homemade food, fairtrade goods and school fees. This allow 100% of donations to go towards projects whilst ensuring that financial constraints do not prevent volunteers from participating in our work.
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Section D Achievements and performance
Summary of the main achievements of the charity during the year
The main achievements of the charity during 2021 are summarised below:
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Over fifteen students attended weekly classes held on Zoom with three students graduating in their studies.
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Ongoing partnership with UK based registered charity Al-Khair Foundation to distribute Qurbani meat to low income families. More than ninety one livestock distributed in Africa, a slight increase on the previous year.
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Donated 26no. Christmas hampers to Slough Lookahead Homeless hostel.
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Pakistan based micro-finance project providing auto rickshaws on an interest free loan basis continued to self-fund itself.
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Section E Financial review
Whilst the Trust does not have a formal policy on reserves, one of our Brief statement of the main forms of fundraising is the collection of Sadaqah (the Islamic charity’s policy on reserves principle of voluntary donations to charity). This ensures that sufficient reserve funds are always available for unplanned projects such as emergency disaster relief work.
Details of any funds materially in deficit
N/A.
Further financial review details (Optional information)
You may choose to include additional information, where relevant about:
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the charity’s principal sources of funds (including any fundraising);
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how expenditure has supported the key objectives of the charity;
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investment policy and objectives including any ethical investment policy adopted.
Principal Sources of Funds
The charity’s main source of funding is through donations from the public. Our sources of regular income are donations, Zakat , Sadaqah and Qurbani (refer to section C for further details). Funds for specific projects are raised through activities and events (refer to section C for further details) and, if necessary, supplemented by the aforementioned sources of income.
Expenditure
The Trust has a policy to assess all potential projects against the charity objectives prior to approval. The trustees will only approve funds for a project that meet one or more of these objectives, thus ensuring that expenditure is directly aligned with the aims of the Trust.
Section F Other optional information
Section G Declaration
The trustees declare that they have approved the trustees’ report above.
Signed on behalf of the charity’s trustees
Signature(s)
Full name(s)[TABINDAH AKHTAR ] Position (eg Secretary, TRUSTEE Chair, etc) Date 30/10/22
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REGISTERED CHARrfi' NUMBER: 1133160 rn of the Tn]sitts and ial Sthi nisf rih 31 Al- Zohra Education Tru Tim O'Brien CA Thc (inxn thiLhei Beikshire SL3 9AS
Al- Zohra Education Trusi Conl¢nts of th¢ FIn£la1 Stal¢TtJ¢nts' for lh¢ Y¢ar Ended 31 Drf¢mb¢r ?021 Rewrt of the TNsiees Ind¢p¢n(knt Exurninel¥ ReF Siaiemeni of Financial Aciivilies Balance She Notes to the Financial Statements Deiail¢d Siai¥mL'ni of Financial A¢iiwili¢S
Al- Zohra Educarion Trust rt of Ihe Ttustees fyr th¢ Y¢ar Endd. 31 D¢r¢mb¢r 2021 The trustees prcseni their rerK>n with the financial SLgrements of the chariry for the year ended 31 December 2021. The Iruslces have adopiLd the provisions of ALcouniin8 and Rew>rting by Ch&riiics.' SLiicmcni of Rccommcndcd PrdCIiCC 2ppli¢abl¢ to ¢harili¢s prepaTirtg th¢iT aLCOUnls Ln acctsTdart¢e lth th¢ Firtart¢ial R¢wrtirt¥ SthndaTd appli¢able Jn lh¢ UK and Republic ()f lrtland (FRS 1021 leffe¢iive l January 20191_ STRUCTURE, GOVEILNAYCE AND MANACEMENT Goiernln% documellt The lhaiiiy 1% cc)nimllLd by iL8 goveming do¢W[LI. a deed oftrusi and constilutes an wiin¢ottK)rad chatity. REFERE.YCE AP4D ADMIplSTK4TI'E DETAIIS ReRistered Charil). number 1133160 PriThcipal addre55 Lyicheii Iloiise 13 Frccland Park Warnham Road Poolc Dorscl IH166FA Tru$tee$ Misb T khr Mrs /. Mii//am Mr8 8 sadi4 Indfpfndeni Eximlner ACA Tim n'Bricn CA Th¢ Cir¢¢n Dailhct BLrkbhirc SL3 gAS Approi'ed by order ofthe board of tru%¢4 on 31 OcioFr 2021 and signed on its behalf by= T.Akhtsr Mi¥$ T AkhLLr- TnJ¥tee Page I
Inde endeni Examiner'5 R Al- Zohra Education TnLSI n to the TrSte¢S of IndepeNden¢ esarniner'$ report to the tru$tet5 of Al- hhr¥ Educ4tion Trust I report to the charity trustees on my ¢xaminaiion of ihe accounts of Al - Zohra Education Trust (the TTUStI for the year ended 31 December 2021. Resptsnsihilities #nd b$is of report A5 the chariry trustee5 of Ihe TTU51 you are r¢stK>nsible for the PTepardrion of the accounts in accordanc¢ with th¢ requirements of the Charities Affl 2011 I¢ ACVI. I rcpon in rcspcci of my examinaiioll of TnLSI'S coUntS carried oul under seciion 145 of the Aci and in carrying out my examination I have followed all applicable Direciions VeN by the Charity Commission under seciion 145{5llbl of the Act. Independent exarniner's slaternenl I have Loiiipleied tny Cxigminiglion. I confimi ihai no maierial mall¢rs have Come to my all¢niion in eonncciion with lh¢ examination giving me caus¢ beli¢v¢ thai in any mawial respeci.. ccouniinB Kcord¥ w'ere not k¢pt in res of the Trusi requiral by section 130 of the Act: or Ihc aLLounls do not aceord with those records: or Ihc accoiinis do noi comply wilh Ihc applicable requiremenis corning the fonn and conient of accounis sel out in the Charities (Accounts and RerM)rtsl Regulations ?11 other than any Tequiremenr Ihai rh¢ accounts give a Iruc and fair vicw which is noi a ma¢icr considercd as pan of an 1ndcnden1 cxamir)aiion. I hilvc nu cunLCrnS and have come across no other matlcTh.' in conneciion '1th th¢ examinaiion to which attention should bL drawll in this rcpun in order 10 enable a proper undLfsndInts¥ of Ihc accounts lo be reached. Tim O'Bricn ACA Tim O'Briiii CA ThL' (irL'L'n t)aiehet B¢rk%hirc SL3 9AS 31 OciobLr 2022 Page 2
Al- Zohra Education Trusr Siaiemeni ofFinancial ALliwilies fyr th¢ Y¢ar Endd 31 D¢(¢miKr 2021 31.12.20 Total funds Unrestricted fund Notes INCOP¥lE AND ENDOII'MENTS FROi¥I Donaiions and legacies 36,706 36.894 EXPENDITUREON Raisin¥ funds 360 390 Ch9ritable gctivities Donations io educational Chariii¢s 8,960 8,075 Total 9,320 8,465 NET INCOME 27,386 28.429 RLC()NCILIATIC)N OF b"UNDS Total funds brought fon•#rd 50.222 21.793 TOTAL FUNDSCARRIED FORWARD 77,608 50.222 The Doles forttl part of these fatIcIa] sta*meDrs Pagc 3
Al- Zohra Education Trust BalanLe Sheei 31 D¢i¢tnb¢T 20?1 31.12.20 Total funds Unrestricted fund Notes C.URREliT ASSETS Cash at bank 77,968 50.222 CREDITORS Atn(iunt4 falling due within one year 13601 NET CURRENT ASSETS 77.608 5U.?22 TOTAI,,ISSETS LESS CURRENT LIABILITIES 77.608 50.222 NET ASSETS 77,608 50.222 Unru%lriLtLxi fun(L% 77,608 50,222 T()TAL FUP4DS 77.608 50.222 ThL lirmneial %lUILmLfiis werc approved by the Board of Trusiees 8t auth0ri5eil fw i%suc th1 31 OLILiber 2022 and wLrL' on ils behaifby.. T.Akhtar T Akhtar- TNstee The nol¢s for1 part of the5¢ fUnCIal stalemenrs Pagc 4
Al- Zohra Education Trust NOle to ihe FinanLial Siatements fyr th¢ Year Ended 31 DeceTnkr 2021 ACCOUNTING POLICIES Ba%1¥ tsf prep#rithg the fLli#lltial sl#ltmtntS The financial slaiernenls of the chari.. 'hich is a public nefit entity uDdeT FRS 102, have b¢eD prepar i accordance with the Chariiie5 SORP IFRS 102) 'Accounting and ReFKbrting by Chariiies.. Sraiement of Recommended Praliice applicable 10 chariiies preparing rlieir accounis in accordance wilh the Fijwicial Rcporting Standard applicable irt the UK 2nd Repllblic of ircland IFRS 1021 leffeciivc l January 20191,, Financial Rewrting SLqndard 101 The Financial Rewrting SL2ndard applicable in ihe UK and Republic of IrLlttnd' and Ihe Chatilie% A¢¢ ?011. The fJnaJJ¢ial %thiemeThL% ha&e len prepared undeT ihe hiiL)ri¢al ¢041 onvention. Income All income ig recognised irt the Siaiemeni of Financial Aeiililies otsce the chariry has eniiilemeni 10 the funds. it 1% probable tha¢ the income will bc Tettivcd and the aJnouDi Can N&sui¢d reliably. Expenditure LiabililiLS are recognised as expendinlre as scA)n 05 ther¢ is a legal or ¢onsm]¢iive oblisarion eommiiiing lh¢ chariry io ihai cxpcndiwrc, 11 is proboblc thai a irnnsfcr of ¢¢onomi¢ bcncfiis will I r¢quir¢J in sciilcm¢ni and thL umount Of Ihe obli¥aiion Can be M¢#%Ur rcliably. Expcnditurc is a¢¢ounicd for on an a¢¢Al% ba14 iin(I hils bccn Lla%%ificd under hcadings that awegillc all L051 Tcliiicd thc category. Il'hcrc Lo%Ls LiinnL)I bc dircLtIy aiiribulLd to panicu14Lr hLadings they have been allocaied 10 acliviiies un a b15 eonsisicni with Ihc u5L' or Tesourc¢s. Cirants offercd gubjeci io ¢ondiiions which hav¢ noi b¢cn ai the ycar end da* arc noicd as a ¢ommitn)cnt bui nLIt iiLerucd a% cxp¢ndiiuTC. Taxation Thc charity is ¢x¢mpi from X OD its CnbI¢ adiviii¢s. Fund AccountlnR Unre%iricied fund$ can be used in accordance with the charitable obieciive% ai the dire170n of the ITU51ees. R¢%tit¢t¢d fund5 ¢an only b¢ us¢d for porti¢ulsr r¢stn¢i¢d pury)thvs within th¢ obJ¢¢LE of Ihc ¢h#riiy, R¢stri¢iiong ari&c whcn spcriticd by Ihe donoT or when funth arc ra15¢d for particular rc5triri¢d puryx>5e5. FLlrthcr cxplanalion ofihe nalure ar purpose of each futld is included in the noles lo the fjnancial slalcmcnls. RAISING FUNDS RAisin% donations and le%4cie5 31.12.20 Suppon r05ts 360 390 Page 5 continued...
Al- Zohra Education Trust NOle to ihe FinanLial Siatements- Lontirtueil fyr the Year End¢d 31 Decemkr ?021 TRUSTEES, REMUNERATIOY BEfiEFITS There weT¢ rto ttusiees, i¢mu]Xmlion or othei ben¢fits for the ytrdt ethdeil 31 December 2021 nor foT the year ended 31 December 2020. Trustee5' expenses There were no trustees. expenses paid for the year ended 31 December 2021 nor for the year ended 31 Dece[nl 2020. COMPARATIVES FOR THE STATEMEYT OF Fif4ANCIAL ACTIVITIES Unresiricied fund INCOfvIE AND Tr:NDOWMENTS FROM Donatii)ns at)d legacies 36.894 EXPENDITURE O Rai5ingr fund 390 Charltgbl¢ i¢¢li'ltlts Donatiort% Iv educaiional ¢haTiiies 8,075 TotAI 8.465 NET INCO1£ 214.429 RECOYCILIATIOP4 OF FUNDS TtAl fund5 broughi forward 21.793 TOTAI. FUNDS CARRIF,D FORWARD 50.222 CREDITORS.. AMOUYTS FALLING DUE WITHIN ONE YEAR 31.12.20 oihcr crcditors IOvTr'.IF.T IN FUYDS Net moi'crncnt in funds At 31.12.21 Ai 1.1.21 Unre5trir¢ed fund5 General fund 50.222 27,386 77,608 TOTAL FUNDS 50.222 27.386 77,608 Page 6 continued...
Al- Zohra Educarion Trust NOle to ihe FinanLial Siaiements- Lontirtueil fyr the Year Ended 31 DeceTnkr ?021 MOVEMEDIT Th FUNDS- continued Nei movem¢ni Jn fu]xds. irt¢luded in the alK)ve * as follows." Resources exFtnded MoNen)ent in fiind5 resources Unrestricted funds CILtJ¢ral fund 36.706 19.320} 27.386 TOTAL FUNDS 36.706 19,320) 27.386 Comparatives for mol'ernent in tund5 Nrf moircjnent in fund% Ai 31.12.20 Ai 1.1.20 Unrestrlcted funds Gcncral fut)d 21.793 28,429 50,222 T()TAL FUNDS 21.793 211,42Y 511.222 CuInpardlive rtei mov¢mcni in fund¥ includcd in ihe above arc as folltsw5.' Incoming Re%ources expendLd Moveiiienl in funds Unre5trleied fund5 ticncrnl fund 36.894 18.465} 28.429 I'OTAL FUNDS 30.894 18.465} 28,429 A current year 12 months and prior year 12 nmmths combined trt)siiion is follo= Nct ovement in funds At 1.1.20 Unrestrlcted funds G¢n¢ral fund 21,793 55,815 77,608 TOTAL FUNDS 21.793 55,815 77.608 Page 7 continued...
Al- Zohra Education Trust Noies to ihe FinanLial Siatements- Lontirtueil fyr the Year End¢d 31 Decemkr ?021 MOVEMEfT Th FUNDS- continued A Lurreni year 12 months and ptior yeat 12 ]nothths ¢ombirt¢d thei movem¢rtl ith funds, Included in th¢ abov¢ a &4 f()IIoM'%". Incorning resources Resources expended MoNeTnent in tunds Unr¢strI¢l fufftd$ CJ¢neral fund 73.6(K) 117,785) 55,815 TOTAL FUNDS 73,61 117.785 55.815 RELATED PARTY DISCLOSIIRE5 Thcre wcrc no r¢lad party tyaosaciiot)s for lh¢ year cndcd 31 tknmiw 2021. Page 8
Al- Zohra Education Trusr Detailed Siatemeni of Financial Aciivili fur th¢ Y¢ar Endd 31 D¢(¢miKr ?021 31.12.20 INCOI¥IE AND ED0w'mENTs Donations and legacie5 Gifts 36.7(16 36,894 Toial Ineomlthg resourttg 36.706 36,894 EXPENDITURE Ch#rlt#ble #ctlvliles 8.960 8,075 Suppor¢ ¢ost$ GowL'rnance cost5 Accoiiniancy 360 390 Toial rcsources exp¢nd¢d 9.320 8,465 Net Income 2X.42g Tbis tyage d(Ks not form parl of the yatutory fillallcial sts*llLeTrts Page 9
Inde endent Examinerfs Re Al- Zohra EduLation Trusi rt io the Tn]siees of Independent examiner'5 report to the trustees ofAI- Lohra E<lucation Trust I report to the chariry irustees on m). examinarion of the accounts of Al - Zohra Educatiim Trust Iihe Trust} for the year ended 3 1 December2021. Re5P0115ibilities and ba515 of report As the chariry Irusiets of Ihe Trust you are resrthsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 Ilhe Aci'l. I r¢purt in r¢sp¢cI ofTny examinalion ofthe T¢,5 accounis caTried oul under s¢dion 145 of the Act and in caTryill¥ out rny cxamination I have followed all applicable Direclion5 given by the Charity Commission under Section 145(5llbl of the Act. Independent examlner's stJtenh¢nt I hdvL L(ImplLtLxi Tny L'XJtninali()n. I confjrm that no maierial have cotne to Tny atienlioii jjj conneLliL)n w'iih Ihe exarnination giying me cause to believe rhai in any marerial Te5peci'. a¢¢ouniirtg records wcr¢ noi kept in r¢spcci of th¢ Tnjsi as rwuircd by s¢¢iion 130 of ihc A¢i.' or th¢ aLLounis rtol aLLOTd with Iho&e T¢¢ords; or lh¢ ULLuunl& d(1 nut Lumply wilh the appliLable requireTnenls corKernirbg the fonn and conlenl of accuun15 Sel oul in the C'harities IAccounLs and ReporL%l Regulaiion% 2(Kb8 other than any requirement ilial the account5 give a Inie and fair view w'hich 15 noi a maiicr eonsidercd as part of an indcpcndcni cxaminaiion. I havL n() LonLLm% and have Loml acTOK% no oihcT maiieT% ith ¢orwcLlion M'ith the examitiaiitsn whiLh attention sh()uld bL drawn in ihib rctxirt in L)rdL'r etwblc a prLI]Kv urKicrsthrMiinbY uf ihc accuunl5 lu be rcaLlivd. Tim O'Bricn ACA Tim O'BriLn CA Thi (irL'Ln r)airhet Bcrk%hirc SL3 9AS 31 Oiiober 2022 Page 2