Folkestone Baptist Church Folkestone Baptist Church Annual Report April 2024-March 2025 Ministers Reverends Chris and Katy Ruddle Hill Road (obove) Copel Street (below) Pastor Pam Barr
Contents Page Principal Aim and Objectives and Artivities Page 3 Overview of the Vear Pages 4-5 Worship and Prayer Page 6 The Churth Buildings Page 7 Activities Pages &11 House Groups 8 Sunday Club 8 Holiday Club 8 Familie5 and Children'5 Work 9 Cldguiding 9 Women's Work 10 Men's Work 10 Communlty Wcrk io Boptlst Assembly 10 Mediation Course 10 Ecumenicol Relotlonshlp$ 11 Financial Review Page5 12-13 Strurture, Governance & Management Page 14 Administrative Information Page 15 21Page
This report covers the period 1st Apnl 2024 to 31st March 2025 and can be read in conjunction with the Financial Report. In preparing this report the Leadership Team have had gard to the Chanty Commission s guid8nce on public ben8frt including th8 guidance on advancem8nt of relign. Principal Aim The Charity is governed by an Approved Governing Document. The principal purpose of Folkeslone Baptist Church is the advan¢ement of the Christian faith according to the principles of the Baptist denomination. The Church may also advance education and carry out other charitable purposes in the United Kingdom andlor other parts of the world. Objectives and Activities The Leadership Team is committed to enabling as many people as possible to worship at our Church and lo become part of Ihe Church community. The Leadership Team maintains an overview of worship within the life of the Church and makes suggestions on how our services can involve the many groups that live within the area surrounding the Church sites both at Hill Road and Capel. Our services and worship put faith into practice through prayer, scripture, music and teaching. When planning our activities, the Leadership Team consider the Charity Commission's guidance on public benefit and, in particular, the specific guidance on charities for the advancement of religion. We try to enable people lo live out their faith as part of our Church community through= Worship and prayer., learning about the Gospel,. and developing their knowledge and trust in Jesus. Provision of pastoral care for people both within the Church and those living in the wider community. Missionary and outreach work. To facilitate this work, it is important that we maintain the fabric of Folkestone Baptist Church with its buildings al Hill Road, Capel Street and Ihe Manse at Dover Road.
Overview of the year This was a year of signfficant challenges, but also of some encouragements. We had to draw deeply on our trust in God and his promises, especially on our motto for 2024 "Be strong and courageous. Do not be afraid or terrified, for the Lord your God goes wth you,. he will never leave you nor forsake you." Deuteronomy Ch 31 v 6. The year began well on Easter Monday with a Holiday Bible Club for primary school age children. On 20 April we had the privilege of celebratirbg Mung Hatzaw's Ordination to Baptist Ministry. This was the first ordination to be held at the Church in a great many years. A truly international event full of great joy, this was attended by friends from Manipur and Bletchley, family. friends and well-wishers. Shortly afterwards a group of us from Folkestone attended his Induclion al Bletchley on 11th May. However, setting the budget this year was quite difficult. The death of several friends during the previous year caused a sharp decline in the amount we could expect to receive in offerings. The worst case scenario would have seen us eat deeply into our reserves. After seeking advice from our Regional Minister, we took the difficult decision to present the budget with the deficrt lo the Church Meeting. Meanwhile the Trustees worked on an action plan to reduce outgoings and increase revenue. Members and regular worshippers were sent a lelter outlining the seriousness of the situation and asking them lo consider increasing their giving. I'm pleased to report that the Church rose to the occasion. Meanwhile the redundant front office was cleared and redecorated to create a new hire space. Chris took on marketing our rental space and organising invoicing. We negotiated a modest increase in room rental charges wrth our hirers. A number of new groups began to use our space including an orchestra, support groups and a sewing group. This all had a beneficial effect on our finances and also on our service for the local community. In July we conducted a membership review. Unfortunately this exercise had been overlooked for several year5, which meant fifteen removals and transfers of membership in one year. July also saw the removal of the large sycamore tree by the entrance to the Hill Road car park, which had become diseased.
In September we rejoiced with Beck and Christine as they were baptised. We also gave away several hundred copies of John's Gospel. This followed a very en¢ouraging Anniversary Thank Offering which was divided between part funding a replacement boiler for the krtchen and a donation to the Pocket Testament League who provided the Gospels. Our Harvest Festival was a great celebration, well attended by our Girlguiding groups and their families and followed by a buffet lunch for oveT one hundred people. We collected gifts of food for Shepway Foodbank. In October we hosted SEBA Core Leaders training led by Rev Paul Kerley. The Christmas season saw the return of our All Age Christingle SeNice. We also hosted Castle Hill School for their Christmas servi¢es as well as our traditional Carols by Candlelight Service for the community- However, as the year ended it become apparent that Chris was quite unwell. He had attempted lo return to work ors a staged return in January 2024 but had never managed lo resume many of his duties. As his condition had once again worsened in January 2025. Chris went off sick again and the difficutt decision was taken that he should move towards retirement on ill heahh grounds. We were grateful once again for the support and advice of our Regional Minister Joth Hunt during this difficult time. Katy continues lo minister as sole Minister part-time, wilh Pam as Locally Recognised Minister at Capel. The Leadership Team have worked extremely hard under drfficult circumslances. This has been a year of team building and bonding as some of our newer members began to find their confidence. We were delighted to be joined by experienced deacons Belinda and Boaz las tfftasurer) in January 2025 bul were sorry to lose Rod and Glynis who both retired. Several of us attended the SEBA Partners in Mission Conference in March at Tonbridge Baptist Church and found it very encouraging. A metaphor used by Anne Calver the keynote speaker of churches as little working ships wrth all hands on deck rather than cruise liners wrth passengers in deckchairs seemed very apt to our situation as we went into the New Year. Katy Ruddle -minister
Worship and Pra5er The Leadership Team and Church Members are keen to offer a range of worship services during the course of the year that our community find both beneficial and spiritually fulfilling. The congregation at Capel led by Pastor Pam Barr offer a traditional but friendly worship service al 10.30am each Sunday. At Hill Road All Age Services are held on the first Sunday of each month often with contributions from the young people. On other Sundays there 15 Sunday Club for children during the second half of the service. The services at Hill Road are also at 10".30am. Both Capel and Hill Road offer 8 Strong emphasis on Bible teaching. Details of other services and activities are shown on Folkestone Baptist Church Fa¢ebook and Ouf weekly newsletter. The newsletter and sermon are posted on our websrte wvM.folkestonebaptistchurch.org each week. As well as our regular services, we enable our community to celebrate and thank God al the milestones of their journey through life.. infant dedications believers baptism when we thank God for the gift of new life in Christ in marriage as public vows are exchanged wrth God's blessing through funeral services where friends and family are enabled to express their grief and give thanks for the life which is now complete in this world and to commend the person into God's keeping. During the year, there were 2 new Members, 1 Member died, 3 transfers and 12 removals. We slarted the year with 75 Members and ended with 61.
The Church Buildings The Church building at Hill Road was designed to be mutti-purp05e and avai18ble as a resource for the local community. The suite of rooms makes it an ideal location for youth activities, local Residents, Association meetings, Pulmonary Rehabilitation, Blood TransfLksion Service, Community Choir, Bridge Club, Stroke Association and food ministry. This year, the old office at the front of Hill Road was cleared out and redecorated and made available for use for small meetings. The Church building at Capel Street is a chapel which can accommodate a congregation of fifty. It has served the Comrnunity in a variety of ways iFicluding providing a Sursday worship service, meetings for prayer and Bible sttkdy, monthly craft club and is used by community groups from outside the Church. The members help run Messy church once a month together with St Radigunds Church. Messy Vintage continues to be held on alternate Thursday afternoons, it is a good opportunity to invite non-churched friends and family lo worship via Ihe medium of craft and fellowship as well as a time of worship. Both Church buildings are wheelchalr aceesslble and Incorporate disabled toilet facilities. We seek to be inclusive and to also ensure that provision is made for those who are impaired in either sight or hearing. The Manse is situated in Dover Road, Folkestone. Chris and Katy live and have their study there. They host smaller meetings and conduct pastoral work in the Manse. We also have responsibility for a disused Burial Ground in Bradslone Road, Folkestone. 71Page
Activities The Church hosts a wide variety of groups. Houso Groups The Hill Road house group meets hvice a month in the evening. It is made up of Members of the Church as well as a number of ex-members who have moved out of the area. We studied what it means to be a Christian in the modern world, covering topics such as feminism, racism, homosexuality and gender identity. We also looked at the mira¢les of Calvary in the run up to Easter. The group continues to be a source of fellowship and prayerful support for one another. We lebrated two of our members becoming ordained and moving to take up their roles as Pastors of their own churches. The Cheriton house group meets on the 1 and 3 Tuesday afternoons each month. We are of the older generation and sometimes need to adjust timings to ae¢ommodate hosprtavdoctor's appointments and even holidays. Our studies have included the books of Ephesians and James with other random studies from lime to lime. We are a very caring group and are eager to learn more about our amazing God through His precious word. Sunday Club On average around six children plus oe¢asional others attended on Sunday mornings. Children remained in for the first part of the service and then went out with their leaders to take part in various activities including craft, art and drarna, all relating to the bible passage I character being studied and also playing games. The children are a friendly welcoming group, ranging in age from 3-17 years and also enjoyed some $ocial activities from time to lime with or without their PaTrntsIcare. Holiday Club During the Easter Holiday we ran a club for three days for children aged 4- 16yrs. This was based on the theme of 'The Unexpected Visltor, which explored different encounters wrth Jesus following his Resurrection. Up to thity children from within the Church, the local community and beyond, enjoyed garnes, storytelling, drama, craft activrties and more. It culminated with a breakfast and Sunday morning all age Service to which all were invited. 81Page
Farnilies and Children's Work The families and children work is based on the nviCtion that parents are a vital part of children's growth in faith. The aim is to equip parents to lake an active role in the development ol their children's faith. We do this by providing resources and support for parents, building relationships between children and parents, behveen the children and between the families. Another important aim is to build the relationship between the children and the wider Church family. During the year, there were a number of sessions to bring the children, their families and the Church family together. These included games evenings and country walks. We continued to encourage opportunities to invite and involve families in events run by the Church. An important emphasis of the Church lrfe 15 that it is truly intergenerational. Apart from encouraging Church Members lo develop relationships acros5 different generations, we also aim lo enable all-age worship once a month. The All Age Services reach beyond the Church families, as Girlguiding joined us for some services during the year. It is a wonderful opportunity to bLtild relationships with the families of this group. Girlguiding Girlguiding, which includes Rainbows, Brownies, and Guides, provides a space for girls to develop confidence, skills, and make a positive communrty impact. The groups meet weekly during terni time. and some of the leaders are members of Hill Road Baptist Church. Katy serves as their Chaplain, offering support and visiting some of the meetings. During the year, the gids participated in joint activities wrth other units, including a Division Thinking Day focused on caring for the environment and a Fun Festival Day. The Brownies also had the opportunity lo take part in adventurous activities at County Event called °Fearless on the Farm.. The Church and Girlguiding groups collaborated on several occasions. The leaders and girls took part in a number of Church Parades held with the All Age Services, and they brought donations for the local Rainbow Centre Foodbank to the Harvest Festival. They also supported the coffee morning held in aid of Christian Aid including making cakes to sell. A Nativity play was held on a unrt meeting night in early December, which was well-supported by parents. family, and friends. Katy delivered an epilogue at the end of the play. 91Page
Women's Work This year we offered several occasions for women of all ages to attend. The activities were varied lo appeal to as many as possible. From badminton and board games, to pampering evenings, and craft afternoons, to walks by Ihe sea, the group was open and welcoming, offering friendship, refreshments and generally a lot of laughter loo. The ladies attending were also invited to come to other events including services and community lunches leading lo a strengthening of relationship beeen church and community- Men's Work The men continued to meel on a Friday at the Clifton Hotel. We regularty have four to six attendees and enjoy a bit of banter and a coffee. More importantly we share our highs and lows, study the Bible and pray for each other. Recently we've been looking at 'false gods, and the story of Jacob as he wrestles with his inner demons. Through our life experiences we've helped each other. Elsewhere we've senl a delegation to the annual Christian Vision for Men Gathering, in a field near Swindon. It's great to mix with other Christian men and know that new men are giving their lives to Jesus. We pray that at a more local level we'll see more men {and boys) committing themselves and that we can build on our existing events. such as the Thursday lunche5. As Jesus said the harvest is plentiful so let's keep sowing, reaping and keepingl Community Work Our very popular Thursday lunch club continued throughout Ihe year including very well attended Christmas lunch. We continue to offer a 3 course lunch for a suggested donation of £3. Lunch is attended by a broad cross section of people and offers food, warmth and companionship. Baptist Assembly The Baptist Assembly at Telford wa5 attended by Chris, Katy and Lynden as the Church representstive. There were some very interesting sessions and plenty of opportunities to meet people. Meditation Course The meditation course baptismldiscipleship course. sumed briefly and developed into 10IPage
E¢umenl¢al Relatlonshlps Thank God for Churches Together in Folkestonel This is an umbrella organisation of the mainstream churches in the town who work together lo put on events such as the walk of the crosses, an annual joint Pentec05t servi and a schools carol service. As well as this, there are groups focussing on specific issues such as schools and young people, civic life and menlal health. Since the pandemic, there has been less involvement from local Christians and the executive committee has been looking at ways of reviving interest. It's important that, while honouring our unique perspective as Baptists. we engage with and learn about other denominations. Prayer support is invaluable. The Church supports local ecumenical charities Rainbow Centre and MAF. The Church also supports Christian Aid which is a relief and development charity, raising money in May during their yearly fundraising event through donations via special envelopes and holding a coffee morning. Courses We hosted the South Eastern Baptist Association {SEBAI Core Leaders course in October giving basic training to Leaders and Trustees in Baptist Churches. Katy, Chris, Paul, Pam and Wei Li attended some or all of this year's course. 11 IPage
Financlal Review The Church continues lo raise the funds it needs to carry on its activities from within its own membership and congregation. We are grateful for the Members and friends who have maintained their giving and others who increased their monthly giving following an appeal in October 2024. The Church also receives income frorn hiring premises and the number of groups and organisations increased during the year. The most significant expense relates lo the slipend for the ministers (on shared stipend) to lead and co-ordinate the Church's activities including the Sunday Services, to provide pastoral care for the congregation and other people and to equip and encourage the membership in their life, Christian witness and service. The Church expressed its part in the life of the wider church by making grants to national and international Christian organisalions and societies with Christian aims and objectives compatible with the Church's own Christian purpose. The Church is mainly dependent on its membership working as volunteers in all aspects of the Church's aclivilies, many of which run with little or no impact on the Church's expenditure, but nevertheless Contribute substantially to the achievements of the Church's objectives. The financial resutts for the year are set out in the accompanying financial statements. Despite finding il necessary at the beginning of the year to set a deficrt budget, we actually finished the year with a small surplus. This was in part due to an increase in giving, for which we are deeply grateful, and we are equally thankful for the increased revenue from the rental of our buildings, which resulted from both more bookings and a moderate increase in hire charges. We also managed to reduce our expenditure, although the payment for electricity is under negotiation and is still pending resolution. No wider public appeal was made for funds during the year. 121Page
The Trustees have established a Reserrfes Pollcy with the following Policy Statement for the financial year ending 31, March 2025'.- The Reserves Policy of Folkestone Baptist Church is to hold reserves sufficient to be able lo pay six months, salary of the Joint Ministers and other staff together with three months running costs in order to be able to adapt to any changes in the income and expenditure of the Church. 11 is therefore agreed that there will be a General Resetve Fund set up of £28,310. The next £5,000 of any available funds will be allocated to a designated Fabric Reserve. The Trustees are satisfied that there are existing reserves sufficient to continue to operate effectively for the coming year. 131Page
Structure. governan and management Folkestone Baptist Church is a Charitable Unincorporated Association. The method of appointment of Leadership Team Members Ilhe Trustees) 1$ Set out in the Church Approved Governing Document. Al Folkestone Baptist Church, the membership of the Leadership Team, comprising of our Ministers, Deacons, Elders, Treasurer, Church Administrator and Pastor for Capel, are elected by those Members of the congregation who are on Ihe Membership roll of the Church. The Leadership Team are responsible for dealing with matters of general concern and importance to the Church including how the funds of the Church are to be spent and making recommendations to meetings of Church Members as appropriate. Any substantial expenditure must be ratified by a rneeting of the Church Members. All those who attend our services and members of the ngregatIOn are encouraged lo put their faith in Jesus Christ. Those who have committed their lives to him are encouraged to become Members, following baptism. The Church Members meetings are normally bi-monthly on a Sunday after the moming worship service. Boaz became our Treasurer in January 2025. We are slill Currently without an Administrator. Tasks are shared by members of the Leadership Team and other Church Members. Dawn Kellers continues to serve as our Finance Officer and carried out some administrative tasks for us. She is not a Church Member. Appropriate Insurance is in place. Risk assessments are carried out on a regular basis. We have a Health and Safety Policy which is reviewed on an annual basis and a report presented to the Church Meeting. A Member of the Church is appointed as Safety Officer to oversee this under the direction of the Leadership Team. The Church subscribes to the Baptist Union Safe to Grow guidelines. We have Safeguarding Policy for Children and Young People together with Adults at Risk which is reviewed on an annual basis and presented to the Church Meeting. A Safeguarding team is in place inclt¢ding a Designated Person for Safeguarding with a deputy. All Trustees are DBS checked together with volunteers who work with Children, young people and vulnerable adults. 141Page
Administrative information Folkeslone Baptist Church has hvo worship centres. one at Hill Road in Folkestone and one al Capel Street in Capel-l&Ferne. The registered address is.. Folkestone Baptist Chur¢h, Hill Road, Folkestono, Kent CT19 6LY Charlty Registration Number 1142068 Property Trustees in respect of Bradstone Road Burial Ground- The Baptist Union Corporation Limited, Baptist House, 129 Broadway, Didcot, Oxfordshire OX118R T Leadership Team members who have served during the period of this report are as follows.. Ex Officio Members Ministers (gach part tim•) - Reverends Christopher Ruddle and Katherine Ruddle Elected Members Elder- Emma Brunton Pastor for Capel- Pam Barr Treasurer - Boaz Nyika elected on 24 November 2024 and served from 1. January 2025 Deacons - Patricia Dunning, Wei Li Hu and Paul Lanza. Glynis Coombes and Rod Wood until 31" December 2024. Belinda Walker elected on 24 November 2024 and served from 1 January 2025. Bankers- HSBC and COIF Independent Examiner- Phil Goodwin This report was approved by the Church Meeting on 30 November 2025 and signed on their behalf by.. Signed.... Prinl......K A..AutsDL£ Date. 80. il. 151Page
Indepenllent Exaininerj Report Folkestone Baptist Chuirh Finmiicigl yeai. ended 31" March 2025 I set out below for good m•5ure the of examitiation re8d the examiDetsott of d hurch at¢ounts. This is on tk basis members and the COTnmittee can how the ftudit has been eondllcted. The (hity'S trust5 T¢spoJJsible for th¢ preation of th¢ wcounts. The ¢harity's lJus*es coDsideT that att audlt is not T¢quir¢d for th5 yw ulld¢T the Chatities Act 2011 and th&tan indeFth examin2tioD is required. The Ctlurch tsE&surer forthis fiDallciai ytar w&8 Mrs Dawfj Keller& It is my WD5ibi]ity to.. To follow priK¢dures laid th)wn tts th¢ gen¢rn] direc¢iolls wvell by the Cbarity Commissiotl UDdeT the 2011 Act. and To tste whetherFwticu]aT matters bave met0 my attetttiojj. f lllde t Ex&mi My ¢XamiDatiottwTr8carriOutina¢COrrtfinCC withthe8eneTrl diwts0E4v¢n bytheCbaTity Com10n. The exATnination in¢l(thd a fu]1 teview of tbe a¢countittg Tccords kept by the charity 8nd a eompxrison of th aLyots presettt wib those rra8. It 8150 tncludes consider8ti0tt of &ay lUS&1 Etems or disclosur¢s ift tk and Sling eXpltio$ ncernJn8 any Such mitth. The pr(Kedures t¢rtakell do not prolde all the evidencethat would b¢ requir¢d in all audit and consequently no opittion is vell s5 to wheth¢Tthe ac£ountspr¢s¢tLt a'ttr and fairvicW' od the TerA)rt 1$ limitcd to thos¢ matters s¢t out ID th¢ StateDtloW. Inde tExAmitt Ststejllent tD ¢otinectioll with my examinatio no Jn8tt¢r ¢ometo my attention: (J) Which VeS m¢ re&8onAble cause to beJi¢ve tbAt in ally mllteri tesrrtl the To keep ac¢ountin8recoTds itl a¢¢ordan¢e with the 2011 Act., and To PTetAre&¢counts thich acwTdwith theacc4)untingr¢¢ords 8tKicomptywiththE a¢¢ountiD8 f¢¢oTds of the 2011 ACL Have Dot beell nJe¢ or (2} To whicl in Tny OPittiOT4 attention 5hou]d be dtawD ID or&r to enable a prorEr wtht5talldtJJg of the ae¢ounts to Ix rwhed. The thks cam&1 aioJJ8 WTth (b"scussions enable me to cth an"urtqualifi&l" rerrf" the signed ch#kedaLXOUlltS ore attacb¢d Phil G}dWI QlIfiCAtio5.' Pbil G(¥xlwtti Qulfied byextfftience, rrfiTed Majwr tW¢stBwLk alld S¢bool Finance Director D&ted.. 14 July 2025
Svmm8ryofAppe81 Income 8nd Expendf(ure TheThank Offenn8Appe81raised £2,800.65throuBh donation9 receivedfromthe¢ongreg8tion. Addition8lly, the church receivedtwo sèparat8gr8nts and B Late don8tlonfrom another BBpt15t church, bringingthe total8y9ib16Iuns i(k£4,300.65. Incorne Brèakdo¥ Sourc8Amounri%i CategoryR8stri¢tion Thank OlfeflnBAppeg1 (Church DOn8tnSI£2,8o0.es ReytrictedAppBal Bibl8 PortSons &8mp.' LocalAuthority Grant Ichurch Rec8Nedl £SOO.00 Re5trictÈd Grant Bolleronly DirectGr&nt (Paid to Boiler Enwne8rl E400.W Restricted Grant Bolleronly GiftlromWille$borough B8Ptlst ChutchE1,000.00 Restricted Donatrt Boileronly Tot81 IncorneAvAi18bl8 £4.3CQ.65
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Independent Examiners Report Folkestone Baptist Chuith FinMuci81 year ended 311t M&rch 2025 I set out below for good re the FesS of exAmination the cxamio8tiott of t church arKounts. This is tk basis tnembers and the co[n1tt can uDdBTStand how the Audit has been tonductsd. Th¢ chazity's trustees ar¢ respollsible for th¢ prepaEatioJJ of the ullts. Th¢ charity'5 ttustees collsid¢T tbat th audtl Is not requiT¢d for thi5 ye4r under the chttleS Act 201 l and that an indeFtTrthth examin2tion is requiTCd. Tr Chwcb tr¢4surer Eorthi5 finatt¢ialyear WAS Mrs DawllKe]l¢t& It is my re5txwibility to.. To follow pr£edureS laid down in the 8¢ncrn] dirrKtions 8L'vcn by the Charity Cottttlli55ion uDd¢rthe 2011 A¢t: and To state wh¢therrArti¢uJar m2ttets bavc co]n6to my attention. B95is of I Endekt Exa]er. orL My exsminationwss¢8ryIedoutinacrda¢e with th¢g]eI th.CtiO3 Ven bythecknity CoJJJmi&sioJL Thr ejramitiation included a full rewew of the accounting rrdS kept by th¢ c]Jatity a ¢omrdrisoJJ of the at¢OLmts presented with those records. It also includes consider8tioll of 2tty sU81 it¢ms or dts¢losures ttt the xeouttts 8lld s explati2tioL ¢fjiicernin8 atty such tllatters. The prIlureS ulldertsken do not provide all the evidenc¢that w¢uld be required in In audit and CODsequently DO opinion is gl'ven as to whetherth¢ accoulltspresettt a'mrue and fa vie, alld T¢)rt is limited tothose JJJatter5 set out inthe swe][tE¢l0w. ndett aler'S ement. ID C4)ntte¢tion my examiDation. no matter come to my 8ttetLtiori 11) Ivhich gjvcs me r¢wnabl¢ cae to bejieve that in any Materi res the Tquiretixjrts". To kcep ac¢oulltiDg recoTd5 in a¢¢ordattc¢ withthe 2011 AGL and To prerATeac¢outLts which accordWithth¢acu4tiBTecoTds artdcomplywiththe &ccountiDg records ofth¢2011 ACL Have ttot been m¢ or (2) To wlJiGI in my Opinio tttr"0n 5tLOU]d be dtawtt ID to ¢tthle a ptorEr ttdetYdth8 of the accounts to Ix rwhed. The c]wks cam&1 aiojJ8 WTth discussions etsable me to cth 'qUalIfi. rem" the siw]¢d check£daccouBts Are &ttscbed Phil Goodwi QualifiCln5'. PFul Qo(xlwti QulfIed byLyri¢nce, [th1T M8Jwr tWestBJnk alld S¢knool FinatKe Director DAied.. 14 July2025