2021-12-31-accounts

Jesmond United Reformed Church

Registered Charity No. 1137613

Trustees’ Annual Report for the financial year January 1[st] 2021 to December 31[st] 2021

This report includes information required by the Charities (Accounts and Reports) regulations 2008 and the Statement of Recommended Practice for Accounting by Charities 2005 as applicable to charities entitled to prepare accounts on the receipts and payments basis.

Administrative Information

Jesmond United Reformed Church Charity is a local church of the United Reformed Church in Great Britain and is a member church of the Northern Synod of the Church. It was registered on 26[th] August 2010 as Charity Number 1137613.

Jesmond United Reformed Church is situated at Burdon Terrace, Jesmond, Newcastle upon Tyne NE2 3AE Tel: [phone] Email: [e-mail]

The Church Office is normally open on Mondays and Wednesdays from 9.30am to 4.00pm, and on Fridays from 9.30am to 11.30am.

The Trustees during the period of this report were:

Miss Jean Degenhardt Dr Mae Piggot Dr Alison Shiel Mr Ian Whaley (Chair of Trustees)

The appointed independent examiner is Mr David L. Kilner FCA, 7 Eldon Square, Newcastle upon Tyne, NE1 7JG.

The church buildings and Haldane House (formerly the Manse) are vested in the Northern Synod Trust of the URC as trustees and held for the benefit of Jesmond URC in accordance with the trusts applicable to URC properties.

Structure, Governance and Management

The activities of Jesmond United Reformed Church are overseen by the Elders’ Meeting of the Church in accordance with the provisions of The Structure of the United Reformed Church determined by the General Assembly of the United Reformed Church and supplemented by the rules of the Church. The governing document of the registered charity is a statement adopted by the Church Meeting on 30[th] September 2010.

The members of the Elders’ Meeting are the Minister in pastoral charge and the Elders, who are nominated and elected by church members at the Annual Church Meeting. Elders normally serve for up to six years, retire by rotation and are eligible for re-election. The Church Secretary and Treasurer are appointed for twelve months, yearly at the Annual Church Meeting.

The Elders’ Meeting is responsible for the spiritual leadership and pastoral care of the congregation. The Management Committee is responsible for the areas of Finance, Property, and ‘Housekeeping’. The Church Meeting (of all members wishing to attend) gives general guidance on the life and work of the church and is invited to approve recommendations from the Elders’ Meeting.

The Elders’ Meeting met 12 times during the period under review, mainly on Zoom. It assisted in the administration of the church and considered recommendations from the Management Committee concerning property matters. The Church Meeting met quarterly.

Objectives

As a local congregation of the United Reformed Church, Jesmond URC seeks to advance the Christian faith, through its activities and the facilities offered by its buildings, for the benefit of the public in accordance with the Scheme of Union of the United Reformed Church. This is described more specifically in its Mission Statement:

‘To witness to the love of Christ in the community and to use all our resources to this end’.

The Elders’ Meeting is aware of the Charity Commission’s guidance on public benefit in ‘The Advancement of Religion for the Public Benefit’ and has regard to it in the administration of the Church. The Elders’ Meeting believes that the Church provides benefit to the public by:

• providing resources and facilities for public worship, pastoral care, and spiritual, moral and intellectual development, both for the congregation and for anyone else who wishes to benefit from what the Church offers

• promoting Christian values and service by members of the congregation to the community, for the benefit of individuals and society as a whole.

Review of Activities and Achievements during 2021

Introduction: during 2021, the regular activities of Jesmond URC were again restricted by the coronavirus pandemic. The church was closed for worship from 15th January to 23[rd] May 2021 . During the closures we were able to keep in touch with church members through holding a weekly morning service on Zoom, as well as staying in touch by telephone, through a weekly bulletin, and, as in 2020, through the very welcome weekly ‘Thoughts and Prayers’ (up to 23[rd] May 2021) provided by Revd Ruth Crofton, which collectively have now been published in book form – ‘Getting Through: weekly thoughts and prayers from a pandemic’.

Elders’ Meetings, Church Meetings and monthly Coffee Mornings were also held on Zoom throughout the January – May lockdown.

Covid Risk Assessment: a very thorough Risk Assessment was drawn up for the building in 2020, and this was shared with all hirers of the premises (who were also required to draw up their own risk assessments). The Risk Assessment was reviewed before the building re-opened in May 2021.

Covid safety measures: rigorous safety measures were put in place in readiness for returns to the building. Those coming into the building were required to be masked and to sanitise their hands on entry, and to follow specific routes in and out of the building. Signage about social distancing was prominently displayed throughout the building, and seating in the church was arranged at 2-metres’ distance. Track and Trace forms were completed for each event or service in the church.

Ministry: following the retirement of Revd Meg Robb in 2019, Jesmond URC formed a new pastorate – North West and Central Newcastle Joint Pastorate – with three other United Reformed Churches – St Andrew’s Kenton, St James’s, and West End, all in Newcastle upon Tyne. A Vacancy Group was formed, consisting of two Interim Moderators, Revd Ron Forster and Revd Philip Gray, along with representatives of the four churches. Late in 2020, contact was made with the Revd Ryan Sirmons, a Minister serving in the United Church of Christ in Annapolis, USA . He was invited to ‘preach with a view’ (via Zoom) in February 2021, following which he accepted a Call to become Minister of the pastorate. He was inducted on 25[th] September 2021, in a service held at Jesmond URC.

Services: when possible during the pandemic, morning services were held each Sunday at 10.45am, many on Zoom. ‘In person’ services resumed on 23[rd] May 2021. No evening services took place during 2021. Messy Church resumed in June 2021.

Visiting preachers still led a considerable number of services; their willingness to help is universally appreciated, and we were very grateful to those who were happy to lead services on Zoom. A number of members of the congregation are also very willing to lead services, including some who conduct Communion services, in church and in members’ homes.

Outreach: Outreach to the community remains an important part of the work of Jesmond URC. The designated Outreach Group did not meet during 2021, and it was decided to suspend the delivery of prayer leaflets to the local community for safety reasons during the pandemic. The prayer request box outside the church is regularly monitored.

Teaching and learning: Our regular series of evening services did not take place in 2021, and we did not participate in the online Heritage Open Days. Elders and church members attended various online courses and talks provided by Northern Synod, including safeguarding courses.

Buildings and lettings: the church buildings comprise the church, large hall, Cuthbert Room, Aidan Room, Bede Room, foyer, kitchen, Session Room and caretakers’ flat. Pre-pandemic, all these spaces were let on a regular basis to various community groups, including Alcoholics Anonymous (2 groups), Newcastle Musical Theatre Company, Northumberland Orchestral Society, Rock Choir, yoga and fitness groups, and meetings hosted by local councillors. They were also used for parties and social events. The former caretaker’s flat continued to be let through an agent employed by the church.

The church itself is now a well-known venue for concerts by professional and amateur groups.

There are four further rooms and kitchen in Haldane House, a nearby property owned by the church. These are let to Tynemouth Nursery, providing very useful income for the church.

Financial Impact of the Covid-19 Pandemic: Government imposed restrictions arising from the Covid-19 Pandemic which significantly impacted the life of the Church in 2020 were gradually lifted in 2021 with the result that room hire income gradually returned to pre pandemic levels. Stationery and postage costs remained elevated as we continued to engage with older members of our church community by post rather than in person. The HMRC Job Retention Scheme partially supported the payment of salaries to the caretaker and the office administrator to varying degrees throughout the year.

Haldane House Community Wildlife Garden: this garden, created from the former Manse Garden with the aid of a grant from the Heritage Lottery Fund, is now well-established. During the pandemic it was very rewarding to see the garden being so well used by local residents, in an area where few people have large gardens. The church sees this as part of its outreach work and plans to resume holding regular events in the garden when the situation allows.

Giving to Others: the church donated 5% of its donated income to outside causes during 2021. These were Commitment for Life (Bangladesh), Operation Mobilisation, and Samos Volunteers. It also supported two children through World Vision. When possible, the church also continued to support Newcastle East Food Bank.

We were unable to carry out our usual door-to-door collection during Christian Aid Week in 2021, but church members were encouraged to donate to Christian Aid by other means. The church is a Fairtrade Church and uses fairly-traded tea, coffee and other refreshments whenever possible.

Dementia Friendly: Jesmond URC is a dementia-friendly church and is developing links with local care homes in this regard. ‘Singing for Fun’, and monthly short services of worship, both led by church members, had to be suspended during the pandemic, but we look forward to resuming and developing this work.

Church Prayers: members continue to pray together in their own homes at 9am or 9pm on Mondays, including any prayers received through the prayer circle or prayer request box.

Youth Opportunities Scheme: Jesmond URC expressed interest in this URC scheme, hoping to employ one or two young people to become involved in the life of the church, involving themselves with existing activities as well as developing their own projects, with mentoring from church members. This enterprise had to be put on hold because of the pandemic.

House Groups: these were suspended for much of 2021, although the ongoing pastoral care and support continued between members.

The Wednesday Meeting: these meetings, involving a talk by a visiting speaker, were also suspended for the whole of 2021.

Jesmond Sings: this community choir is led by members of the church and attended by church members as well as members of the wider community. It usually performs at the Jesmond Community Festival, and at various other community events as well as church events. During the pandemic the group continued to meet fortnightly online, and this was much appreciated by all participants.

Ecumenical links: Jesmond URC is part of ‘Churches Together in Jesmond’. There were no meetings of this group during 2021. When possible during the year, Jesmond URC was very pleased to host the weekly Newcastle Cathedral Monday Organ Recitals, during refurbishment work at the Cathedral.

Social/community events: due to the pandemic, most of our usual social and community events were suspended. Contact with the local community was maintained through weekly posters provided by Revd Ruth Crofton, which were displayed in the church notice boards. These messages of encouragement were greatly appreciated by the local community and provided the message that the church was still very much alive although closed for worship.

Tyneside Scottish Association: the church has a very fine war memorial by Walter Gilbert and is the Custodian of the Colour of the Tyneside Scottish 4[th] Battalion. With a grant received from the Heritage Lottery Fund, the Colour was restored during 2017. This enabled the church to build a relationship with the current Tyneside Scottish Association. On Saturday 13[th] November 2021, members of the Tyneside Scottish Association were able to hold their Remembrance Ceremony in the church again, as in pre-Covid years.

oOo

All these activities and events would not be possible without the hard work and commitment of members of the congregation.

oOo

Policies: Jesmond URC regularly reviews and updates its GDPR and Safeguarding Policies, and those associated with the church undergo regular DBS checks where appropriate.

Financial Review

It is the policy of Jesmond URC to keep approximately six months’ running costs in reserve in the unrestricted General Fund to cover unforeseen expenditure and loss of income. This policy is reviewed every year.

JESMOND UMTED REFORMED CHURCH REGISTERED ¢HARIIV NUNER 1137613 Pa￿￿ FIIIANCIAL STATEMENTS YEAR ENDED 31 DECEMBER 2021 RECEIPTS AND PAYMENTSAC¢OUtIT Th1$ Yo•r 3021 Toial É Prowlous Y•&r 3QZO rotal£ ilnre$twl¢ted Funds É Retstri¢ttd F￿ndS £ Note F￿nts £ RECEIPTS Off6rfngÈ Fulld raising and PILyraMme ￿￿vty1rwn8 M￿leS ro1%6d tr0utside￿v¥OY Gfft ￿ tgx wayfflen15 . P￿psrty. chur¢hlhaii retbw5 Properly.. church tsl klling$ Pfoperiy". Haldano Hou$816thllgs Rehnburgemantts Rq¢eNqd Grants Bank ￿ter￿st£lld investment Ift￿￿6 Rec&¢ed from Man$0 Fund 28.￿7 8W2 26.967 892 29.035 $63 228 1695 3.307 718 1307 6.7 .995 6.248 1466$ 7,332 40.063 4f.830 14.780 41.830 14.760 7,663 4,144 5.WO 4.e61 4.144 Tot•1 r¢•ipts 140,72D 4,OZS 144.746 705.95 PAYMENTS inigtry & MissroA Furnf . Alln￿try1Gthp expenses Chu¢¢h rumiw Cotsls Ilaldane House running ￿$ts ProgrAM￿ a¢lNtyrosts ' Support ¢aL15$5 MaIni$n￿ Ofthurch buldr¥s maInten￿￿e ofHaldane H￿ 19,393 19.393 18.559 1.218 59,244 975 62.569 62.$89 1.552 5.244 16.343 1,e60 9.270 .18.657 11265 9.196 &743 712 315 10 T¢tal paym¢n 121,605 315 4,134 12$,0$4 9&005 NET RECEIPTS I IFAYhlENT3j 19.115 31$ 9.9$1 TRANSFERS botwten fund5 CASH FUNDS ￿l￿d l JaDwary 127,925 10.737 510 139.172 128.104 ' CASH FUNDS cltwd 31 Dg¢smbÈr 147 040 10,423 402 157,&64 1397T2 STATEMENT OF ASSETS AND LIA￿uTIEs Thls Year 1021 Prevlovs Year 2020 To¢aF£ Unrestrlcted F￿nd¥ f UesigDaled Funds £ ReslriEtsd F￿È Monetary a$$ots Bank snd Cash Account$ 147.r140 10.423 402 157.854 139.172 Olhorag$0ts ' Inv6$tsx6r)ts ai m8[￿t Yaue 12 108.651 108.651 95.108 A¥¥vts usod ¢hurGh wrprse5 Buildings Conlenls 13 13 bikknQ$8r￿ Hsldare Ho Cgan. fumishu￿S and Llab1ll￿e5 Signrftanluedilws APPROVED y the Churth Meeting un and 5Igned on behalf Inamo Iwlur Th& rtotes on p*ge$ 2. 41omip&toltkns financia

JESMOND UNITED REFORMED CHURCH ' REQISTERED CHARITY NUMBER 1137613 Pago 2 FINANCIAL STATEMEPITSYEAR ENDED 31 DECEMBER 2021 NOTES A¥ I ACGOUNTING POLICIES AIID PRACTICES The f￿an￿al stalemnls have been p¢pared in ar1rdar￿e Charioes Aca2011 SedN)n 130, the Recéipts ano Pawnent5 basis avaiiibkn to small charibes. aTrJ the United Relotmed Churth gu￿a￿e. I fi ur88 hav8 been rounded lo ne41est und. 2 FUND ACCOUNnNG Unrestricled Fund8 mayL used bylhe thurth foranyofllsorOSn8rypwposes. Designated Fu￿$ représent unreshicted fund5 set askle byth8 thwthfNspEtifi¢4yaled wrp0585:th8y ran be Irgnslo(r8d bai Into gefi8r81 funds atlhe rmrch's detssion. Fund name & pts4JOSg B8￿nCe td£ Ro¢tlpiS knyéarE Tr8nsfor8 lor ar£ Balanc• cllwd £ Joyce H¢rbfjrt 88qUOSt Piano Fynd StsrFund atthè COrnmu￿1 Foundatlon 9.987 315 9,873 750 750 Total dèslgnated funtls 1CI.738 315 10,423 Reslrtded Fu￿ts wepresenl income wTr¥th rnaybe exp•￿ed ontyotb th05P te51[￿ obpcts protrlded the terms ofa Iruslerbaquest oi donalv)ns orgrtnls or ¥id lor a wtpose. These fu￿16 can onty be spent orn the spEcthcwrpose forwhKh theybwe 9fv8n. Any balan￿ remainuy unspent musl be carr580 forward as a baL7n¢e c) tha¢furKJ for lubM8 8X￿1b￿e on thats[￿￿p￿poSe. 0[￿t￿n&j.. canml be absDrLEd Into gen8r81 funds Fund namè & pthrpose BaL8n¢8 bllwd £ Balahcè In yearÉ for èar£ Qwtsldt Commotmont lor Llfg COMM￿nIty Garden Funij SY￿ad Grant-Sommo INkgnd OfhBrTNrd Partl68 1.413 2.613 1.413 2,613 4￿2 402 Totsl restrtcted funds 510 402 Th1$ Year 2021 Tofal£ Last Ye•r 2020 Total£ Funds f Fund8 £ Fund$ £ 3 MONIE8 ￿sED FOR OLITSIOE CAUSES Donallons foroutside Causes CornmEtm8nt forLife Cxher thlrd pa[￿e$ 1.157 2.150 1,157 2,150 8JS Total rals•d lorout#id¢ Gaus¢s 3.307 3.307 Th Ytrar 2021 Total £ Lasl Year 2020 . Unre5fAc¢ed ': Funds £ IgTr•t¢d Funds £ R¢striGled Fund$ £ 4 PROPERTY.. HALDANE HOUSE LETnNGS H8ld8ne House ground floor Haldone House flat 51A Haldare House.. Garage Rents 37.170 37.170 2,860 1,800 4,141 1.800 1,800 Total H•ldanè Hou89 prop In¢amp 41.830 40,063 6 GRANTS RE¢EIVED HMRC- Furtough Qrant Sc8m8 DCMS (anl Other Grants Recewed 2,772 1,258 3.633 2,772 1.258 3,633 4,681 Totsl grant8 18¢el￿d 7.663 7.663 4,661

JÈSMOND UNITEO REFORMED CHURCH REGISTERED CHARITY NUMBER 1137613 FINANCIAL STATEMENTS YÉAR ENDEO 31 DECEMBER 2021 NOTES. contlnugd Yhls Yèar 2021 Total £ Last Yéar 2020 T¢ial£ UTrrestri¢ted Funds £ Dosfj9na￿d FvndB £ Rosvt¢t Funds £ 6 CHURCH RUNNING COSTS Ga84nde￿￿￿¢ity Insurant Wal8r rai&s Td8phonÈ OfficeAdmIn￿trelOrsa18ry11nc1. raxl SlatK)n¢ry and photcwyln9 PthINAtions arnlother expen8es L￿enceS and Cl￿￿ Org8nlpiano fflalntenancts Eoulpmenl Awountaw B Trd Payrc41 Fee$ Prof25S￿nal Fees Churth Hdpw Sakqry Church Cgretaker Sthy F&Met5194rden 9.17f 9.171 9,226 6.9(KJ 81 714 17.808 714 17,808 1,688 79 ss8 4.445 1,385 3.620 2.5 1,9 1.105 8.2 1.106 17,920 1.625 922 4.4Ql 1,042 3.620 3.614 500 1,061 7267 862 8285 1,196 Total Ghurch ¢0¥ts 62A65 62.569 59.244 7 HALDANE HOUSE RUNNING COSTS In5vrarKe t.128 1.128 9T3 rotal Haldanè Hou$è runolng ¢o$t¥ 1.128 1,128 973 8 SUPPORT OF OUTSIDE CAUSES Subgcripknns Dorta￿S Genal Furvj OLrf¥Ad8 Caus8S Coryynitrnenl forLWe Other thlrd partlgs 25 5219 5.763 993 2.3T5 40 1.413 2,613 1.413 2.61) Total support oloutslda t•u 5,244 4.026 9270 $ MAINTENANCE OF CHVRCN BUILDINGS De￿ra1￿ Electrkal Repaits Plumbing Re￿1 oth￿ Fmpety Repalis SÈNicing Church FL31 Renovauo Church Qal Other Paynnts Leitino Aoents Feè Equlpment 670 3,494 7.792 1.897 1.561 670 3.494 7.792 1.897 1,561 283 32 36 1.494 96 157 3.367 611 283 32 953 393 461 461 Totsl m8lTrtgnance Df chuich bulldlngs 16.343 315 16.657 T43 10 PIAINTENANCE OF HALDANE HOUSE Rep8lr, redecoration DtherwNk Po•nVsfees forflai 51A Upkeepof F￿t51A Sétv¢T 51A UbliiES 419 429 11,626 576 215 419 429 11.626 578 215 ITJ Total rnaInt8￿anc0 of Haldang How¥¢ 13265 13,285 712 11 MONETARY ASSETS The thurch mMl8s are not hdd in $￿ke01thFffflWi￿ sts1￿￿tthe Iclal of6ach tuntls¥W appropri&telyover thè vaiious ￿nds.

JESMOND UNITED REFORMEO CHURCFI REGISTERED ¢HARITY NUMBER 1137613 Pago I FINANCLAL STATEMENTS YEAR ENDED31 DECEMBER 2021 NOTES. contlnu•d 12 INVESTMENTS HELD FORCHURCH PURPOSES Thesè larg6ty coTnwise three bé4uesb.. The C￿. JR Hal bequest the GL bequest and fv TW Crawford Wuest Income frorn lh8 Hall ￿￿￿eSt Is p￿toWardS purtha8rw a lor Rerr￿rn￿ar￿e Day. The remal￿r0 lrncThm8 from all the bequests 8 paid lo thé G¢nwal fund. Taè holding5 and valup ofVE Investrnentsis $￿V￿n aSId￿ts- Thls yw 2021 L•slyoor2020 Marf¢éi V&lue£ Unl1• Valw £ Inctsrno £ Units Hall bequost Young bequBBt Crawford bequest 181 JURC gener81 PUFpDses (bl Worn8n's Homp Chwch Sub-total Ctswford ￿quest Qlher 472 13.122 12 338 23 639 41J 11.486 639 4.188 e6.￿1 2.214 50, 188 25.094 75.282 7.927 4.188 441 B6.001 9.￿8 2.214 4.188 441 Totsl Inv881rnpnts 5.291 108 651 2,798 5.291 95,108 Alf unlls, markelvalues and income been rounded ta the nearestwh)18 nuft#)er. '. 13 ASSETS USED FOR CHURCH PURPOSES The (urch snd hall buildings arè insured by ¢hw( I￿£11.(1}2.375 ￿ Hthane TrknJ5e fw£2.161.294. In 8ddthon. tenan15 Improvèinerts lo H&lJare House are shcphn sepatalptyas £10.1￿. The owan. fvmilur8. enl conMts of the t*￿[ch 8Trd H8kJaTre H{X￿ are bythe thurth for£8ee.459.

JESMOND UNITED REFORMED CHURCH REGISTERED CHARITY NUMBER 1137613 Page 5 FINANCIAL STATEMENTS YEAR ENDED 31 DECEMBER 2021 Appendlx 1 JOINT PASTORATE ACCOUNT MINISTERIAL EXPENSES & SET UP Thls Year 2021 Total £ L8St Year 2020 rotal £ Recelpts Support from Wesl End Support from Jesmond Support from Sl Jame8 Support from St Andrews 1.814 2.454 1.174 1.814 Total recelpts 7.255 Payments Car mil&age CarAllowance and Employers Nl Minislèrfs expenses Training Council lax Phone (Ind￿ling broadband) Water rates Induction c0s￿giftS Manse repaI￿1mprOVem8nlS Manse- CouncÈl Tax Manse. Building Insurance Manse- 8Diler Service Manse. Phonè Manse- Water Rates 455 1,066 311 229 45 1.918 1,9e2 Totsl paynwnts . . 6.007 CASH FUNDS blfwd 1 January NET RECEIPTS I IPAYMENTSI 1.249 Jolnt Pastorate Account :: 1,249 8alanc• apportloned betweon Wesl End 25% Jesmond 35¥0 StJames 15% St Andrew6 250 312 437 187 312 Balance ot 31 Dgcgmbgr 2021

JESMOND UNITED REFORMED CHURCH REGISTERED CHARITY NUMBER 1137613 Pagg 6 [FINANCIAL STATEMENTS YEAR ENDED 31 DECEhqBER 2021 JOINT PASTORATE ACCOUNT , MANSE COMPENSATION FUND Appendlx 1 This Year 2021 Total £ Last Year 2020 rotal £ Recelpts Support from Wesl End Support from Jesmond Support from Sl James Support from St Andrews Building Insuranc8 refund 1.400 125 Total receipts 4.325 Payments Building Insurance Boiler service 572 75 Totsl payments"f:" NET RECEIPTS I (PAYMENTS) 3.678 CASH FUNDS blfwd 1 January Balance at 31 December 2021 3,678 Notes Car mileage is splft 4 ways equalty- Other expenses are splrt based on the membership percentage rewrted on page 7.

JESMOND UNITED REFORMÉD CHURCH MANSE FUND '.IFINANCIAL STATEMENTS YEAR ENDED 31 DECEMBER 2021 Pag 7 WINSE FUND RECEIPTS AND PAYMENT ACCOUNT REGISTERED CHARITY NUMBER 242587 Thij Year 2021 Total £ Last Yèar 2020 Total £ Recelpts Rent l¥ee [￿re al 28.314 2.73D 725 25.272 4,680 282 Bank inter881 and Investment irtts)m Totsl receipts 30,234 Payments (see notes b and c} Joint pastarate housing o)ntributttin Agent's fee8 Utilities Fnanagemenl fees Fumi$hirrfJs and fftlings 3.479 4.874 137 481 2,857 1,128 8.989 720 5.000 3,285 234 1.035 3,197 973 1,292 56T In5ui&n serv￿1ng. ￿paIrS and maintenan Gardening, c18anin9 arKI olhei Payments to JURC General Fund Total payments 27.664 10,584 NET RECEIPTS I (PAYMENTS) 19,650 TRANSFERS be￿een fund$ (see note dl CASH FUNDS bllwd l January 87,869 CASH FUNDS clfwd 31 December 91,9T4 87,869 Note.. al The Mans8 FuThl re￿fve$ incorne the olthe manse. bl The cost of maintaining the rnartse i8 to the Marw Fund. ¢1 Where appiopriale, the cost ol worf( at Haldane Hou* is ap[￿rt￿ belv￿￿ Jes[r￿[￿ URC Ge￿8] Fund and the Man3e Fund. dl Any balan¢s above £5,(KKJ in Ihe mar￿ FurKI can be for general thurd)

JESMOND UNITED REFORMED CHURCH REGISTERED CHARITY NUMBER 1137613 Page 8 RECEIPTS AND PAYMENTS ACCOUNT YEAR ENDED 31 DECEM8ER 2021 . INDEPENDENT EXAMINER'S REPORT , I rewrt on thé filla￿al statement$ of Jesmond URC forth8 year ended 31 Decwber 2021. whKh arg 8gt outon pagos 110 $. Respectlvè r•$ponsib115tlgs - The church Is responsible for the preparatk)n of Ihe 5talerronts, and con8bder8 that lh8 aLKlrfwuir8rnent of Saction 144{21 of the ChaiilES Act 2011 Ith8 A¢ll does not apply. 11 rny resFollsibrfty to strdte. on the basis of yo￿￿reS 5peufied in the General Directions given by th8 Charity Cotr¥ni55l￿IS under Sxth?n 1451SXb} ofthe ACL partiwL8r matters hevg Come to my attention. Basls of Independent ExamlneV$ r•port My exarNnaton was earlled out in acco￿an￿ with the General Direc￿0￿5 of ts Charity Conyrissioners. An examinab(￿ incfudas a rgview ol the accounting re￿rdS kept by the church and a eompaiison of the accounts pr8S8ntsd wilh Ihos8 rècords. It also ncludes ' COll$Klerati(￿ ol any unu$u81 itenK or di8d05ure5 in Ihe fina￿al State￿￿nts. arKI seeking explanath￿S concerning any such matters. The procedums undertakeTr do not provKfe all the evidence that woubj b8 wuir&J in an audit and c￿Sequen￿Y I do not ?xprgss an 8udrt opinion on Ihe wew given by the financial statements. . Indèpendent Examin8rfs statement In ¢onneciv)n with my exarr•nabon of the church fvTrds, Thjlhing carne tomy whi¢h gav? me to befi¢ve ¢the￿Ise than . that Ihe fifjancial 81atements acwd with tho accountiTra recoards of the thurth, and Ihatlhose records satiSf￿d Ihe requirements of the Act. l am nol 8ware of any matterto which attention shwkl be dr￿n in ordertoenable 8 pr￿r understanding of thè financkql statemant5 to be reached. Sign8d by th Inde Natne and addfftss of the Independent Exarrir￿r. Dav￿ Kilntr, F.CA. 7 Eldon SqLf8r Newca5Ue upon Tyn? NE17JG

'. JESMOND UNITED REFORMED CHURCH MANSE FUND . REGISTERED CHARnY NUMBER 242567 P89e 9 LRECEIPTS AND PAYMENTS ACCOUNTYEAR ENDED 31 DECEMBER 2021 '. INDEPENDENT EXAMINER'S REPORT ." I report on the Ststsn￿nts ofth6 Dlanse fund for Ihe year 31 t￿thI2￿21, Is sèt out on p48 7. ', Resp&clr¥e responslbllltl•s "" Tho ehurch responsible forth& weparalion Oft￿ financial 51aiennts, and Co￿￿1￿rS that the audit￿Qui￿[tk￿t of Section 144121 of the Charities Act 2011 (the Act) does not appty. It 15 my responsibility to $tsle. ￿ the ba$i% ol proceduos $p&crfiad in tho Gen$r81 . DATrdions gwen by the Charity C<mnissionèr5 uThder Se¢tk?n 14515}Ibl ofthe A¢L w￿11￿ partU1￿r ￿tterS have come to rny Ba$ls of Ind¢p8nd•nt Examlnerfs r¢port . My exarninab.on was carried out In accord￿￿ wrfh th8 General Direclions of the Chaiity Commk%s)n•rs. An examination ￿thd£S ' a review ofth6 accounti￿ ￿C{¥￿S kept by1￿ ¢hur¢h and a offv accounts presented wlh those reoyds. It also ￿clUdeS ctsnsideration of any unusual items or di8dosures ￿ the f￿anCIal ststeNrEnts, and seeking explanabon$ ¢¢nwnirYJ any sych matters. ' The procedur9$ undertaken do not provid& 811 tho •¥Kl¢nce that woukj te required M an 8ud¢ and rxjnwuenty I do not&Jq)re5s an audit o￿nIon on the vi g￿n by the financial statemnis. Ind•p•nd•nt Examlnèe5 ¥tai8ment ' In conneelion with my txarnination of the church funds, nothirtg Car￿ to my attenti￿ wr￿ch gave cause to belK?v& othetwise than ' that Ihe finan¢ial staternents acwd with tht accounb'ThJ reUla￿ of1he thurth. and that Ihose record5 satsffed the requirements or the Act. l am TTrol awa￿ of any matter towhith thntion shfmjkl be drwn in order toenaLle a proporundèrstanding ofthe financwl slalem•nts to be re8ethed. Signèd by th Indo Name and addrèss Df the Independent Examiner. Davkl Kilner, F.CA. 7 E￿On Square Newcastle upon Tyne NE17JG

JESMOND UMTED REFORMED CHURCH REGISTERED ¢HARIIV NUNER 1137613 Pa￿￿ FIIIANCIAL STATEMENTS YEAR ENDED 31 DECEMBER 2021 RECEIPTS AND PAYMENTSAC¢OUtIT Th1$ Yo•r 3021 Toial É Prowlous Y•&r 3QZO rotal£ ilnre$twl¢ted Funds É Retstri¢ttd F￿ndS £ Note F￿nts £ RECEIPTS Off6rfngÈ Fulld raising and PILyraMme ￿￿vty1rwn8 M￿leS ro1%6d tr0utside￿v¥OY Gfft ￿ tgx wayfflen15 . P￿psrty. chur¢hlhaii retbw5 Properly.. church tsl klling$ Pfoperiy". Haldano Hou$816thllgs Rehnburgemantts Rq¢eNqd Grants Bank ￿ter￿st£lld investment Ift￿￿6 Rec&¢ed from Man$0 Fund 28.￿7 8W2 26.967 892 29.035 $63 228 1695 3.307 718 1307 6.7 .995 6.248 1466$ 7,332 40.063 4f.830 14.780 41.830 14.760 7,663 4,144 5.WO 4.e61 4.144 Tot•1 r¢•ipts 140,72D 4,OZS 144.746 705.95 PAYMENTS inigtry & MissroA Furnf . Alln￿try1Gthp expenses Chu¢¢h rumiw Cotsls Ilaldane House running ￿$ts ProgrAM￿ a¢lNtyrosts ' Support ¢aL15$5 MaIni$n￿ Ofthurch buldr¥s maInten￿￿e ofHaldane H￿ 19,393 19.393 18.559 1.218 59,244 975 62.569 62.$89 1.552 5.244 16.343 1,e60 9.270 .18.657 11265 9.196 &743 712 315 10 T¢tal paym¢n 121,605 315 4,134 12$,0$4 9&005 NET RECEIPTS I IFAYhlENT3j 19.115 31$ 9.9$1 TRANSFERS botwten fund5 CASH FUNDS ￿l￿d l JaDwary 127,925 10.737 510 139.172 128.104 ' CASH FUNDS cltwd 31 Dg¢smbÈr 147 040 10,423 402 157,&64 1397T2 STATEMENT OF ASSETS AND LIA￿uTIEs Thls Year 1021 Prevlovs Year 2020 To¢aF£ Unrestrlcted F￿nd¥ f UesigDaled Funds £ ReslriEtsd F￿È Monetary a$$ots Bank snd Cash Account$ 147.r140 10.423 402 157.854 139.172 Olhorag$0ts ' Inv6$tsx6r)ts ai m8[￿t Yaue 12 108.651 108.651 95.108 A¥¥vts usod ¢hurGh wrprse5 Buildings Conlenls 13 13 bikknQ$8r￿ Hsldare Ho Cgan. fumishu￿S and Llab1ll￿e5 Signrftanluedilws APPROVED y the Churth Meeting un and 5Igned on behalf Inamo Iwlur Th& rtotes on p*ge$ 2. 41omip&toltkns financia

JESMOND UNITED REFORMED CHURCH ' REQISTERED CHARITY NUMBER 1137613 Pago 2 FINANCIAL STATEMEPITSYEAR ENDED 31 DECEMBER 2021 NOTES A¥ I ACGOUNTING POLICIES AIID PRACTICES The f￿an￿al stalemnls have been p¢pared in ar1rdar￿e Charioes Aca2011 SedN)n 130, the Recéipts ano Pawnent5 basis avaiiibkn to small charibes. aTrJ the United Relotmed Churth gu￿a￿e. I fi ur88 hav8 been rounded lo ne41est und. 2 FUND ACCOUNnNG Unrestricled Fund8 mayL used bylhe thurth foranyofllsorOSn8rypwposes. Designated Fu￿$ représent unreshicted fund5 set askle byth8 thwthfNspEtifi¢4yaled wrp0585:th8y ran be Irgnslo(r8d bai Into gefi8r81 funds atlhe rmrch's detssion. Fund name & pts4JOSg B8￿nCe td£ Ro¢tlpiS knyéarE Tr8nsfor8 lor ar£ Balanc• cllwd £ Joyce H¢rbfjrt 88qUOSt Piano Fynd StsrFund atthè COrnmu￿1 Foundatlon 9.987 315 9,873 750 750 Total dèslgnated funtls 1CI.738 315 10,423 Reslrtded Fu￿ts wepresenl income wTr¥th rnaybe exp•￿ed ontyotb th05P te51[￿ obpcts protrlded the terms ofa Iruslerbaquest oi donalv)ns orgrtnls or ¥id lor a wtpose. These fu￿16 can onty be spent orn the spEcthcwrpose forwhKh theybwe 9fv8n. Any balan￿ remainuy unspent musl be carr580 forward as a baL7n¢e c) tha¢furKJ for lubM8 8X￿1b￿e on thats[￿￿p￿poSe. 0[￿t￿n&j.. canml be absDrLEd Into gen8r81 funds Fund namè & pthrpose BaL8n¢8 bllwd £ Balahcè In yearÉ for èar£ Qwtsldt Commotmont lor Llfg COMM￿nIty Garden Funij SY￿ad Grant-Sommo INkgnd OfhBrTNrd Partl68 1.413 2.613 1.413 2,613 4￿2 402 Totsl restrtcted funds 510 402 Th1$ Year 2021 Tofal£ Last Ye•r 2020 Total£ Funds f Fund8 £ Fund$ £ 3 MONIE8 ￿sED FOR OLITSIOE CAUSES Donallons foroutside Causes CornmEtm8nt forLife Cxher thlrd pa[￿e$ 1.157 2.150 1,157 2,150 8JS Total rals•d lorout#id¢ Gaus¢s 3.307 3.307 Th Ytrar 2021 Total £ Lasl Year 2020 . Unre5fAc¢ed ': Funds £ IgTr•t¢d Funds £ R¢striGled Fund$ £ 4 PROPERTY.. HALDANE HOUSE LETnNGS H8ld8ne House ground floor Haldone House flat 51A Haldare House.. Garage Rents 37.170 37.170 2,860 1,800 4,141 1.800 1,800 Total H•ldanè Hou89 prop In¢amp 41.830 40,063 6 GRANTS RE¢EIVED HMRC- Furtough Qrant Sc8m8 DCMS (anl Other Grants Recewed 2,772 1,258 3.633 2,772 1.258 3,633 4,681 Totsl grant8 18¢el￿d 7.663 7.663 4,661

JÈSMOND UNITEO REFORMED CHURCH REGISTERED CHARITY NUMBER 1137613 FINANCIAL STATEMENTS YÉAR ENDEO 31 DECEMBER 2021 NOTES. contlnugd Yhls Yèar 2021 Total £ Last Yéar 2020 T¢ial£ UTrrestri¢ted Funds £ Dosfj9na￿d FvndB £ Rosvt¢t Funds £ 6 CHURCH RUNNING COSTS Ga84nde￿￿￿¢ity Insurant Wal8r rai&s Td8phonÈ OfficeAdmIn￿trelOrsa18ry11nc1. raxl SlatK)n¢ry and photcwyln9 PthINAtions arnlother expen8es L￿enceS and Cl￿￿ Org8nlpiano fflalntenancts Eoulpmenl Awountaw B Trd Payrc41 Fee$ Prof25S￿nal Fees Churth Hdpw Sakqry Church Cgretaker Sthy F&Met5194rden 9.17f 9.171 9,226 6.9(KJ 81 714 17.808 714 17,808 1,688 79 ss8 4.445 1,385 3.620 2.5 1,9 1.105 8.2 1.106 17,920 1.625 922 4.4Ql 1,042 3.620 3.614 500 1,061 7267 862 8285 1,196 Total Ghurch ¢0¥ts 62A65 62.569 59.244 7 HALDANE HOUSE RUNNING COSTS In5vrarKe t.128 1.128 9T3 rotal Haldanè Hou$è runolng ¢o$t¥ 1.128 1,128 973 8 SUPPORT OF OUTSIDE CAUSES Subgcripknns Dorta￿S Genal Furvj OLrf¥Ad8 Caus8S Coryynitrnenl forLWe Other thlrd partlgs 25 5219 5.763 993 2.3T5 40 1.413 2,613 1.413 2.61) Total support oloutslda t•u 5,244 4.026 9270 $ MAINTENANCE OF CHVRCN BUILDINGS De￿ra1￿ Electrkal Repaits Plumbing Re￿1 oth￿ Fmpety Repalis SÈNicing Church FL31 Renovauo Church Qal Other Paynnts Leitino Aoents Feè Equlpment 670 3,494 7.792 1.897 1.561 670 3.494 7.792 1.897 1,561 283 32 36 1.494 96 157 3.367 611 283 32 953 393 461 461 Totsl m8lTrtgnance Df chuich bulldlngs 16.343 315 16.657 T43 10 PIAINTENANCE OF HALDANE HOUSE Rep8lr, redecoration DtherwNk Po•nVsfees forflai 51A Upkeepof F￿t51A Sétv¢T 51A UbliiES 419 429 11,626 576 215 419 429 11.626 578 215 ITJ Total rnaInt8￿anc0 of Haldang How¥¢ 13265 13,285 712 11 MONETARY ASSETS The thurch mMl8s are not hdd in $￿ke01thFffflWi￿ sts1￿￿tthe Iclal of6ach tuntls¥W appropri&telyover thè vaiious ￿nds.

JESMOND UNITED REFORMEO CHURCFI REGISTERED ¢HARITY NUMBER 1137613 Pago I FINANCLAL STATEMENTS YEAR ENDED31 DECEMBER 2021 NOTES. contlnu•d 12 INVESTMENTS HELD FORCHURCH PURPOSES Thesè larg6ty coTnwise three bé4uesb.. The C￿. JR Hal bequest the GL bequest and fv TW Crawford Wuest Income frorn lh8 Hall ￿￿￿eSt Is p￿toWardS purtha8rw a lor Rerr￿rn￿ar￿e Day. The remal￿r0 lrncThm8 from all the bequests 8 paid lo thé G¢nwal fund. Taè holding5 and valup ofVE Investrnentsis $￿V￿n aSId￿ts- Thls yw 2021 L•slyoor2020 Marf¢éi V&lue£ Unl1• Valw £ Inctsrno £ Units Hall bequost Young bequBBt Crawford bequest 181 JURC gener81 PUFpDses (bl Worn8n's Homp Chwch Sub-total Ctswford ￿quest Qlher 472 13.122 12 338 23 639 41J 11.486 639 4.188 e6.￿1 2.214 50, 188 25.094 75.282 7.927 4.188 441 B6.001 9.￿8 2.214 4.188 441 Totsl Inv881rnpnts 5.291 108 651 2,798 5.291 95,108 Alf unlls, markelvalues and income been rounded ta the nearestwh)18 nuft#)er. '. 13 ASSETS USED FOR CHURCH PURPOSES The (urch snd hall buildings arè insured by ¢hw( I￿£11.(1}2.375 ￿ Hthane TrknJ5e fw£2.161.294. In 8ddthon. tenan15 Improvèinerts lo H&lJare House are shcphn sepatalptyas £10.1￿. The owan. fvmilur8. enl conMts of the t*￿[ch 8Trd H8kJaTre H{X￿ are bythe thurth for£8ee.459.

JESMOND UNITED REFORMED CHURCH REGISTERED CHARITY NUMBER 1137613 Page 5 FINANCIAL STATEMENTS YEAR ENDED 31 DECEMBER 2021 Appendlx 1 JOINT PASTORATE ACCOUNT MINISTERIAL EXPENSES & SET UP Thls Year 2021 Total £ L8St Year 2020 rotal £ Recelpts Support from Wesl End Support from Jesmond Support from Sl Jame8 Support from St Andrews 1.814 2.454 1.174 1.814 Total recelpts 7.255 Payments Car mil&age CarAllowance and Employers Nl Minislèrfs expenses Training Council lax Phone (Ind￿ling broadband) Water rates Induction c0s￿giftS Manse repaI￿1mprOVem8nlS Manse- CouncÈl Tax Manse. Building Insurance Manse- 8Diler Service Manse. Phonè Manse- Water Rates 455 1,066 311 229 45 1.918 1,9e2 Totsl paynwnts . . 6.007 CASH FUNDS blfwd 1 January NET RECEIPTS I IPAYMENTSI 1.249 Jolnt Pastorate Account :: 1,249 8alanc• apportloned betweon Wesl End 25% Jesmond 35¥0 StJames 15% St Andrew6 250 312 437 187 312 Balance ot 31 Dgcgmbgr 2021

JESMOND UNITED REFORMED CHURCH REGISTERED CHARITY NUMBER 1137613 Pagg 6 [FINANCIAL STATEMENTS YEAR ENDED 31 DECEhqBER 2021 JOINT PASTORATE ACCOUNT , MANSE COMPENSATION FUND Appendlx 1 This Year 2021 Total £ Last Year 2020 rotal £ Recelpts Support from Wesl End Support from Jesmond Support from Sl James Support from St Andrews Building Insuranc8 refund 1.400 125 Total receipts 4.325 Payments Building Insurance Boiler service 572 75 Totsl payments"f:" NET RECEIPTS I (PAYMENTS) 3.678 CASH FUNDS blfwd 1 January Balance at 31 December 2021 3,678 Notes Car mileage is splft 4 ways equalty- Other expenses are splrt based on the membership percentage rewrted on page 7.

JESMOND UNITED REFORMÉD CHURCH MANSE FUND '.IFINANCIAL STATEMENTS YEAR ENDED 31 DECEMBER 2021 Pag 7 WINSE FUND RECEIPTS AND PAYMENT ACCOUNT REGISTERED CHARITY NUMBER 242587 Thij Year 2021 Total £ Last Yèar 2020 Total £ Recelpts Rent l¥ee [￿re al 28.314 2.73D 725 25.272 4,680 282 Bank inter881 and Investment irtts)m Totsl receipts 30,234 Payments (see notes b and c} Joint pastarate housing o)ntributttin Agent's fee8 Utilities Fnanagemenl fees Fumi$hirrfJs and fftlings 3.479 4.874 137 481 2,857 1,128 8.989 720 5.000 3,285 234 1.035 3,197 973 1,292 56T In5ui&n serv￿1ng. ￿paIrS and maintenan Gardening, c18anin9 arKI olhei Payments to JURC General Fund Total payments 27.664 10,584 NET RECEIPTS I (PAYMENTS) 19,650 TRANSFERS be￿een fund$ (see note dl CASH FUNDS bllwd l January 87,869 CASH FUNDS clfwd 31 December 91,9T4 87,869 Note.. al The Mans8 FuThl re￿fve$ incorne the olthe manse. bl The cost of maintaining the rnartse i8 to the Marw Fund. ¢1 Where appiopriale, the cost ol worf( at Haldane Hou* is ap[￿rt￿ belv￿￿ Jes[r￿[￿ URC Ge￿8] Fund and the Man3e Fund. dl Any balan¢s above £5,(KKJ in Ihe mar￿ FurKI can be for general thurd)

JESMOND UNITED REFORMED CHURCH REGISTERED CHARITY NUMBER 1137613 Page 8 RECEIPTS AND PAYMENTS ACCOUNT YEAR ENDED 31 DECEM8ER 2021 . INDEPENDENT EXAMINER'S REPORT , I rewrt on thé filla￿al statement$ of Jesmond URC forth8 year ended 31 Decwber 2021. whKh arg 8gt outon pagos 110 $. Respectlvè r•$ponsib115tlgs - The church Is responsible for the preparatk)n of Ihe 5talerronts, and con8bder8 that lh8 aLKlrfwuir8rnent of Saction 144{21 of the ChaiilES Act 2011 Ith8 A¢ll does not apply. 11 rny resFollsibrfty to strdte. on the basis of yo￿￿reS 5peufied in the General Directions given by th8 Charity Cotr¥ni55l￿IS under Sxth?n 1451SXb} ofthe ACL partiwL8r matters hevg Come to my attention. Basls of Independent ExamlneV$ r•port My exarNnaton was earlled out in acco￿an￿ with the General Direc￿0￿5 of ts Charity Conyrissioners. An examinab(￿ incfudas a rgview ol the accounting re￿rdS kept by the church and a eompaiison of the accounts pr8S8ntsd wilh Ihos8 rècords. It also ncludes ' COll$Klerati(￿ ol any unu$u81 itenK or di8d05ure5 in Ihe fina￿al State￿￿nts. arKI seeking explanath￿S concerning any such matters. The procedums undertakeTr do not provKfe all the evidence that woubj b8 wuir&J in an audit and c￿Sequen￿Y I do not ?xprgss an 8udrt opinion on Ihe wew given by the financial statements. . Indèpendent Examin8rfs statement In ¢onneciv)n with my exarr•nabon of the church fvTrds, Thjlhing carne tomy whi¢h gav? me to befi¢ve ¢the￿Ise than . that Ihe fifjancial 81atements acwd with tho accountiTra recoards of the thurth, and Ihatlhose records satiSf￿d Ihe requirements of the Act. l am nol 8ware of any matterto which attention shwkl be dr￿n in ordertoenable 8 pr￿r understanding of thè financkql statemant5 to be reached. Sign8d by th Inde Natne and addfftss of the Independent Exarrir￿r. Dav￿ Kilntr, F.CA. 7 Eldon SqLf8r Newca5Ue upon Tyn? NE17JG

'. JESMOND UNITED REFORMED CHURCH MANSE FUND . REGISTERED CHARnY NUMBER 242567 P89e 9 LRECEIPTS AND PAYMENTS ACCOUNTYEAR ENDED 31 DECEMBER 2021 '. INDEPENDENT EXAMINER'S REPORT ." I report on the Ststsn￿nts ofth6 Dlanse fund for Ihe year 31 t￿thI2￿21, Is sèt out on p48 7. ', Resp&clr¥e responslbllltl•s "" Tho ehurch responsible forth& weparalion Oft￿ financial 51aiennts, and Co￿￿1￿rS that the audit￿Qui￿[tk￿t of Section 144121 of the Charities Act 2011 (the Act) does not appty. It 15 my responsibility to $tsle. ￿ the ba$i% ol proceduos $p&crfiad in tho Gen$r81 . DATrdions gwen by the Charity C<mnissionèr5 uThder Se¢tk?n 14515}Ibl ofthe A¢L w￿11￿ partU1￿r ￿tterS have come to rny Ba$ls of Ind¢p8nd•nt Examlnerfs r¢port . My exarninab.on was carried out In accord￿￿ wrfh th8 General Direclions of the Chaiity Commk%s)n•rs. An examination ￿thd£S ' a review ofth6 accounti￿ ￿C{¥￿S kept by1￿ ¢hur¢h and a offv accounts presented wlh those reoyds. It also ￿clUdeS ctsnsideration of any unusual items or di8dosures ￿ the f￿anCIal ststeNrEnts, and seeking explanabon$ ¢¢nwnirYJ any sych matters. ' The procedur9$ undertaken do not provid& 811 tho •¥Kl¢nce that woukj te required M an 8ud¢ and rxjnwuenty I do not&Jq)re5s an audit o￿nIon on the vi g￿n by the financial statemnis. Ind•p•nd•nt Examlnèe5 ¥tai8ment ' In conneelion with my txarnination of the church funds, nothirtg Car￿ to my attenti￿ wr￿ch gave cause to belK?v& othetwise than ' that Ihe finan¢ial staternents acwd with tht accounb'ThJ reUla￿ of1he thurth. and that Ihose record5 satsffed the requirements or the Act. l am TTrol awa￿ of any matter towhith thntion shfmjkl be drwn in order toenaLle a proporundèrstanding ofthe financwl slalem•nts to be re8ethed. Signèd by th Indo Name and addrèss Df the Independent Examiner. Davkl Kilner, F.CA. 7 E￿On Square Newcastle upon Tyne NE17JG