OpenCharities

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

← The Parochial Church Council Of The Ecclesiastical Parish Of St Marks Dalston

2024-12-31-accounts

REGISTERED CHARITY NUMBER: 1137628

TRUSTEES' REPORT AND

INDEPENDENTLY EXAMINED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31ST DECEMBER 2024

FOR

ST. MARK WITH ST. BARTHOLOMEW CHURCH

(CHURCH OF ENGLAND) DALSTON LONDON

Sega Chartered Certified Accountants 183B Waller Road London SE14 5LX

ST. MARK WITH ST. BARTHOLOMEW CHURCH (CHURCH OF ENGLAND) DALSTON LONDON

CONTENTS OF THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31ST DECEMBER 2024

Page
Reference and administrative details 1
Trustees' report 2 to 6
Independent examiner's report 7
Statement of financial activities 8
Statement of Financial Position 9
Notes to the financial statements 10 to 14

ST. MARK WITH ST. BARTHOLOMEW CHURCH (CHURCH OF ENGLAND) DALSTON LONDON

REFERENCE AND ADMINISTRATIVE DETAILS FOR THE YEAR ENDED 31ST DECEMBER 2024

Area of Operation: London

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

Incumbent (ex officio) Rev’d Josh Zvimba Reader (ex officio) Mr. Sam Okoroafor Pastoral Assistant (ex-officio) Ms. Lezleen Graham Wardens (ex officio) Ms. Paulette Otto Mr. Glen Tommy Representatives on the Deanery Cllr. Shelia Suso-Runge Synod (ex officio) Mr. Leslie Davis Elected Members Ms. Jenny Bernard (Treasurer) Ms. Claudette Blake Ms. Chante Brown Ms. Roseanne Lee Ms. Cecile Myers (Co-opted Secretary) Mr. Emmanuel Oiwoh Ms. Rose Simmons Mr. Joshua Zvimba Principal Address St Mark's Rise London E8 2LJ Registered Charity Number 1137628 Independent Examiner Alex Mutyaba MSc BSc (Hons) BA (Hons) FCCA GEX é5) ALEX & CO 183B Waller Road London SE14 5LX Bankers The Co-operative Bank plc, Business Customer Services P O Box 250 Skelmersdale WN8 6WT

Page 1

ST. MARK WITH ST. BARTHOLOMEW CHURCH (CHURCH OF ENGLAND) DALSTON LONDON

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2024

The PCC Members, who are also trustees of the charity for the purposes of Charities Act 2011, present their report with the independently examined financial statements of the Church for the year ended 31 December 2024. The PCC have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2015)

OBJECTIVES AND ACTIVITIES

Objectives and aims

The primary objective of the PCC is the promotion in its parish of "the whole mission of the Church of England, pastoral, evangelistic, social and ecumenical". The PCC considers that in doing so it is acting for the public benefit.

Church Attendance

There were 128 persons on the Electoral Roll in April 2024, a considerable number are not resident within the parish. The average attendance at Sunday morning services during the year was 85 adults and 25 children.

Charitable Donations

St. Mark's Church continued to support Hackney Night Shelter, Church Mission Society and Mission Aviation Fellowship.

Volunteers

The PCC and the Incumbent express their thanks for the uncounted hours of effort put in by the many members who volunteer their time and skills, not only to provide regular services, but also to enable the other activities that are part of the church's ministry. The number of regular volunteers (excluding Trustees) is over 30.

ACHIEVEMENT AND PERFORMANCE

Charitable activities

The results for the year and financial position of the Church are shown in the annexed financial statements. The mission of the Church is supported by the contribution of the PCC to the cost to the Diocese of the incumbent (Church Common Fund) and by running the church building. Direct expenditure on Charitable activities is shown as Church Running Costs. Other expenditure included Equipment & Property maintenance costs and the governance costs. The following activities and events were held in the year.

Page 2

ST. MARK WITH ST. BARTHOLOMEW CHURCH (CHURCH OF ENGLAND) DALSTON LONDON

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2024

FINANCIAL REVIEW

Financial position

There has been an increase in income in the year under review from £141,317 to £152,254 by 8%. As with last year’s accounts, the main source of income was property income. Property income of £104,563 (2023: £91,509) contributed 69% of total income (2023: 64%). Levels of donations from members was similar to last year at £31,525, compared to £31,392 in 2023. Investment income increased by 8% from £12,040 to

The total expenditure in the year was £150,672 (2023: £130,914) This included the Church Common Fund Contribution of £44,461 (2023: £42,100). Church Running Costs of £49,955 (2023: £41,257) and other expenditures of £56,256 (2023: £47,553). A depreciation charge of £37,334 (2023: £37,108) included in Other Expenditure was charged in the year under review.

Principal funding sources

Rental Income from the use of church properties continued to be the main source of income in 2024 however the PCC is thankful for the ongoing support of the Church members (congregants) who continued to support the church with donations and gifts.

Investment policy and objectives

The charity deposits funds with "The CBF Church of England Investment Fund" to ensure a reasonable return in terms of interest and long-term protection from inflation, and to meet ethical investment standards.

Reserves policy

It is PCC policy to maintain a balance on general funds (if possible) of around £10,000 to cover emergency situations that may arise from time to time. The balance of £141,301 on general funds at 31 December 2024 comfortably exceeds this target.

Going Concern

The charity trustees continued to make appropriate enquiries and review of the impact of funding of the charity that there are no implications which may be so severe as to cast doubt upon the charity's financial sustainability, and also review that the charity has adequate resources and sufficient sources of funds available for the foreseeable future, and thus the trustees are confident that the charity will continue in operation for the foreseeable future, hence, a going concern basis was adopted by the trustees in preparing the accounts for the year ended 31 December 2024.

Page 3

ST. MARK WITH ST. BARTHOLOMEW CHURCH (CHURCH OF ENGLAND) DALSTON LONDON

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2024

FUTURE PLANS

While the level of unrestricted funds in 2024 has remained above the minimum level, there have been a dip in donations received in the year and property income continued to be the main source of income. The PCC will continue to encourage members of the fellowship prayerfully to consider their giving, and to look at other ways of funding activities. The Church will continue to focus its main areas of charitable activities in the coming year so as to meet the objects of the charity. More creative and communitybased projects will be undertaken so as to optimise the use of the Church facilities. The PCC will continue the refurbishment and enhancement of the Halls. It will also continue to drive its mission plan in conjunction with the 2024 Capital Vision.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

The charity is controlled by its governing document, a deed of trust and constitutes an unincorporated charity.

The Parochial Church Council (PCC) is a corporate body established by the Parochial Church Council (Powers) Measure 1956 (as amended) and the Church Representation Rules (CRR, contained in schedule 3 to the Synodical Government measure 1969 as amended). The PCC of Ecclesiastical Parish of St Marks Dalston was registered with the Charity Commission on 27 August 2010.

Recruitment and appointment of new trustees

Membership of the PCC is specified by the Church Representation Rules (CRR). All Church attendees are encouraged to register on the Electoral Roll if they meet the relevant conditions in the CRR. Those on the Electoral Roll are invited to the Annual Parochial Church Meeting (APCM) and encouraged to consider standing for election to the PCC. The APCM elects lay members to the PCC, and Deanery Synod Representatives (ex officio PCC members); Churchwardens (ex officio on PCC) are elected by Parish Meeting (annually, as APCM). Licensed Readers (ex officio on PCC) are entitled to serve on the PCC.

Organisational structure

The PCC met 6 times in 2024 and two to date in 2025 to oversee and discuss the management of the Church. The PCC have established a Standing Committee which comprises the Incumbent and Churchwardens (ex officio) and the Reader, Secretary and Treasurer, which can take day-to-day or urgent decisions on behalf of the PCC. Other Sub-Committees established during the year are the Worship Group, Social Committee, and Children and Young People's Group.

Page 4

ST. MARK WITH ST. BARTHOLOMEW CHURCH (CHURCH OF ENGLAND) DALSTON LONDON

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2024

Induction and training of new trustees

New PCC members are encouraged to attend PCC induction seminars held by the Diocese.

Related parties

Within the Church of England, St. Mark Church Dalston is a member of the Deanery of Hackney and the Diocese of London.

Risk management

The PCC have a duty to identify and review the risks to which the Church is exposed and to ensure appropriate controls are in place to provide reasonable assurance, including against fraud and error. The PCC recognises the health & safety, fire and other risks that are common to most church organisations. Our policies are subject to regular review in order to ensure that controls are appropriate, and risks at an acceptable level. The PCC is unaware of other major risks that may affect the operation of the Church in the foreseeable future.

Safeguarding

The PCC has due regard to House of Bishops' guidance on safeguarding children and vulnerable adults. We have adopted the Diocese's "Safe Church" policy, and keep activities under review.

FUNDS HELD AS CUSTODIAN FOR OTHERS

The Charity did not hold funds as custodians on behalf of others in the year ended 31 December 2023.

TRUSTEES RESPONSIBILITY STATEMENT

The Trustees are responsible for preparing the Trustees' Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including Financial Reporting Standard 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland".

The law applicable to charities in England and Wales, the Charities Act 2011, Charity (Accounts and Reports) Regulations 2008 and the provision of the trust deed requires the Trustees to prepare financial statements of 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, including the income and expenditure, of the charity for that period. In preparing those financial statements, the trustees are required to

Page 5

ST. MARK WITH ST. BARTHOLOMEW CHURCH (CHURCH OF ENGLAND) DALSTON LONDON

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2024

The Trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time the financial position of the charity and to enable them to ensure that the financial statements comply with the Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008 and the provision 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.

Approved by order of the board of trustees on 27th April 2025 and signed on its behalf by:

Revd. Josh Zvimba - Trustee

Page 6

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF ST. MARK WITH ST. BARTHOLOMEW CHURCH

(CHURCH OF ENGLAND) DALSTON LONDON

Independent examiner's report to the trustees of St Mark with St. Bartholomew Church (Church of England Dalston London.

I report to the charity trustees on my examination of the accounts of St Mark with St. Bartholomew Church (Church of England Dalston London (the Trust) for the year ended 31st December 2024.

Responsibilities and basis of report

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

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

Independent examiner's statement

Since your charity's gross income exceeded £250,000 your examiner must be a member of a listed body. I can confirm that I am qualified to undertake the examination because I am a registered member of Association of Chartered Certified Accountants which is one of the listed bodies.

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

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

…............................................................ Alex Mutyaba MSc BSc (Hons) BA (Hons) FCCA

183B Waller Road London SE14 5LX

Date:

Page 7

ST. MARK WITH ST. BARTHOLOMEW CHURCH (CHURCH OF ENGLAND) DALSTON LONDON

STATEMENT OF FINANCIAL ACTIVITIES (INCORPORATING AN INCOME AND EXPENDITURE ACCOUNT) FOR THE YEAR ENDED 31ST DECEMBER 2024

Notes
INCOME AND ENDOWMENTS FROM
Donations and legacies
2
Charitable activities
Charitable activities
3
Investment income
4
Total
EXPENDITURE ON
Charitable activities
Common Fund Contribution
5
Church Runnung Costs
6
Other
7
Total
NET INCOME
Transfers between funds
RECONCILIATION OF FUNDS
Total funds brought forward
TOTAL FUNDS CARRIED FORWARD		 Unrestricted
funds
£
31,470
107,674
-
139,144
44,461
49,900
56,256
150,617
(11,473)
-
152,774
141,301
-		 Restricted
fund
£
55
-
13,055
13,110
-
55
-
55
13,055
-
254,778
267,833
-		 2024
Total
funds
£
31,525
107,674
13,055
152,254
44,461
49,955
56,256
150,672
1,582
-
407,552
409,134		 2023
Total
funds
£
31,397
97,880
12,040
141,317
42,100
41,257
47,553
130,910
10,407
-
397,145
407,552

The notes form part of these financial statements

Page 8

ST. MARK WITH ST. BARTHOLOMEW CHURCH (CHURCH OF ENGLAND) DALSTON LONDON

2024
Notes
£
FIXED ASSETS
9
112,003
312,416
312,416
CREDITORS
10
(15,285)
297,131
409,134
409,134
12
141,301
Restricted fund
12
267,833
409,134
Unrestricted funds
TOTAL FUNDS
STATEMENT OF FINANCIAL POSITION
FUNDS
31ST DECEMBER 2024
Tangible assets
Cash at bank
Amounts falling due within one year
NET CURRENT ASSETS
TOTAL ASSETS LESS CURRENT LIABILITIES
NET ASSETS		 2023
£
149,337
260,553
260,553
(2,564)
257,989
407,326
407,326
152,774
254,778
407,552

The financial statements were approved by the Board of Trustees and authorised for issue on 27th April 2025 and were signed on its behalf by:

Revd. Josh Zvimba - Trustee

The notes form part of these financial statements Page 9

ST. MARK WITH ST. BARTHOLOMEW CHURCH (CHURCH OF ENGLAND) DALSTON LONDON

NOTES TO THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31ST DECEMBER 2024

1. ACCOUNTING POLICIES

BASIS OF PREPARING THE FINANCIAL STATEMENTS

The financial statements of the charity, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Charities Act 2011. The financial statements have been prepared under the historical cost convention. The presentational currency of the financial statements is Pound Sterling (£).

INCOME

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.

EXPENDITURE

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

TANGIBLE FIXED ASSETS

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Improvement to property 20%

CASH FLOW

The financial statements do not include a cash flow statement because the charity, as a small reporting entity, is exempt from the requirement to prepare such a statement under the FRS102.

TAXATION

St . Mark With St. Bartholomew Church is a registered charity and is potentially exempt from taxation inrespect of income and capital gains received within the categories covered by Part 11 of the Corporation Tax Act 2010 or Section 256 of the Taxation of Chargeable Gains Act 1992 to the extent that such income or gains are applied to charitable purposes.

FUND ACCOUNTING

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees. Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

PENSION COSTS AND OTHER POST-RETIREMENT BENEFITS

The charity operates a defined contribution pension scheme. Contributions payable to the charity's pension scheme are charged to the Statement of Financial Activities in the period to which they relate.

continued …

Page 10

ST. MARK WITH ST. BARTHOLOMEW CHURCH

(CHURCH OF ENGLAND) DALSTON LONDON

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31ST DECEMBER 2024

2.
Unplanned Giving
Planned giving
Gift Aid
Highgate Carols
Food Aid
Funeral Services
Wedding Services
Church Box
Church Cleaning
Memorial Service
London Diocesan Fund
3.
INCOME FROM CHARITABLE ACTIVITIES
Drop in fees
Parking
Parochial fees
Property Income
4.
INVESTMENT INCOME
Deposit account Interest
5
COMMON FUND CONTRIBUTION
Common Fund Contribution
Activities
DONATIONS AND LEGACIES		 Unrestricted
funds
£
5,507
20,416
-
-
-
5,547
-
-
-
-
-
31,470
Unrestricted
funds
£
-
-
3,111
104,563
107,674
Unrestricted
funds
£
-
Unrestricted
funds
£
44,461		 Restricted
funds
£
-
-
-
-
-
-
-
-
55
-
-
55
Restricted
funds
£
-
-
-
-
-
Restricted
funds
£
13,055
Restricted
funds
£		 31.3.24
Total
funds
£
5,507
20,416
-
-
-
5,547
-
-
55
-
-
31,525
31.3.24
Total
funds
£
-
-
3,111
104,563
107,674
31.3.24
Total
funds
£
13,055
Total
£
44,461		 31.3.23
Total
funds
£
4,782
18,709
-
545
-
7,052
-
249
60
-
-
31,397
31.3.23
Total
funds
£
871
175
5,325
91,509
97,880
31.3.23
Total
funds
£
12,040
Total
£
42,100

continued …

Page 11

CHURCH OF ENGLAND DALSTON LONDthY PIOTES TO THE FINANCIAL sfATEMEpifs. ¢￿Inued FOR THE YEAR ENDED 315r DECEMBER 2024 6 CHURCH RUNNING COSTS 31324 Totsl ds 313.23 Totsl fund5 Unre51rfLted Re51ricted fvn(ts funds Books and Teaching Materials Charitsble Oonations Church Cleanin8 Communion Wine Congregational Activrtyes Computer & Internet Expenses Decoratlon Flowers & Gardenlng Drop in Expenses Funeral & Weddingfee5 Honararium Hospitsllty & Refreshffthts Music Licence & Expenses Postage and Statlonery Telephone Tralnlng TV Licence Insurance Light & Heat Rates and watsr 381 750 3.058 557 381 750 3.113 557 120 400 3,576 500 55 541 541 125 145 320 1.273 2.653 2,111 653 320 1.273 2.653 2,111 170 151 707 923 1.009 1.158 99 1.059 L059 293 11,894 24,073 293 11,894 24,073 317 10,526 21,178 153 41,257 49.Sl)O 55 49.955 7. OTHERS 31.3.24 31323 Totsl funds Unre5trirted Re5ty1rted funds funds funds Equipment & Property Maintenance Depreciation Expenses Expensed Equipmerrt Repalrs & Maintenance 37.334 37.334 37,108 1.902 6,793 45,803 11.679 49.013 11.679 49.013 Go¥emance Costs Accountsncy and Le8al fees Independent Examiners fees 6.243 6.243 750 1,000 7,243 7.243 1.750 56.256 47.553 8. TRU5fEES' REMUNERATION AND BENEFITS There were no tru5tee5' remuneration or oths benefits for the year ended 31 December 2024 nor for the year ended 31 December 2023. continued...

ST. MARK WITH ST. BARTHOLOMEW CHURCH (CHURCH OF ENGLAND) DALSTON LONDON

NOTES TO THE FINANCIAL STATEMENTS - continued

FOR THE YEAR ENDED 31ST DECEMBER 2024

Trustees' expenses

There were no trustees' expenses paid for the year ended 31 December 2024 nor for the year ended 31 December 2024.

9. TANGIBLE FIXED ASSETS

Improvements
to
property
£
COST
At 1 January 2024
589,996
Additions
At 31 December 2024
589,996
DEPRECIATION
At 1 January 2024
441,562
Charge for year
37,108
478,670
NET BOOK VALUE
At 31 December 2024
111,326
At 31 December 2023
148,434
10. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Accrued Expenses
Other Creditors
11. ANALYSIS OF NET ASSETS BETWEEN FUNDS
Fixed assets
Current assets
Current liabilities		 Plant &
Machnery
£
153,007
-
153,007
153,007
-
153,007
-
-		 Fixtures
and
fittings
£
51,901
51,901
50,998
226
51,224
677
903
31.3.24
£
1,150
14,135
15,285
31.3.24
£
112,003
312,416
(15,285)
409,134		 Totals
£
794,904
-
794,904
645,567
37,334
682,901
112,003
149,337
31.3.23
£
1,250
1,314
2,564
31.3.23
£
149,337
260,553
(2,564)
407,326

continued …

Page 13

ST. MARK WITH ST. BARTHOLOMEW CHURCH (CHURCH OF ENGLAND) DALSTON LONDON

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31ST DECEMBER 2024

12. STATEMENT OF FUNDS
General Funds
Restricted Funds
Bell Fund
Organ Fund
Other Restricted Fund
Reserve Fund
Restoration Fund
Hall Refurbishment Fund
Total Funds		 Brought
Forward
£
152,774
1,398
1,390
-
13,881
127,391
110,718
254,778
407,552		 Incoming
Resources
£
139,144
73
71
55
711
6,527
5,673
13,110
152,254		 Resources
Expended
£
(150,617)
-
-
(55)
-
-
-
(55)
(150,672)		 £
-
-
-
-
-
-
-
Transfer
between
funds		 Carried
Forward
£
141,301
1,471
1,461
-
14,592
133,918
116,391
267,833
409,134

Page 14

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF ST. MARK WITH ST. BARTHOLOMEW CHURCH

(CHURCH OF ENGLAND) DALSTON LONDON

Independent examiner's report to the trustees of St Mark with St. Bartholomew Church (Church of England Dalston London.

I report to the charity trustees on my examination of the accounts of St Mark with St. Bartholomew Church (Church of England Dalston London (the Trust) for the year ended 31st December 2024.

Responsibilities and basis of report

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

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

Independent examiner's statement

Since your charity's gross income exceeded £250,000 your examiner must be a member of a listed body. I can confirm that I am qualified to undertake the examination because I am a registered member of Association of Chartered Certified Accountants which is one of the listed bodies.

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

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

Alex Mutyaba

…............................................................ Alex Mutyaba MSc BSc (Hons) BA (Hons) FCCA

183B Waller Road London SE14 5LX

Date: 12[th] September 2025

Page 7