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2021-07-31-accounts

Registered number: 07700737 Charity number: 1143034

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

UNAUDITED

TRUSTEES' REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 JULY 2021

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

CONTENTS

Page
Reference and administrative details of the charity, its Trustees and advisers 1
Trustees' report 2 - 5
Independent examiner's report 6
Statement of financial activities 7
Balance sheet 8 - 9
Notes to the financial statements 10 - 18

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

REFERENCE AND ADMINISTRATIVE DETAILS OF THE CHARITY, ITS TRUSTEES AND ADVISERS FOR THE YEAR ENDED 31 JULY 2021

Trustees J Bainenkovs
M D Konczak (resigned 28 July 2021)
T Rossberg
V Rossberg (resigned 28 July 2021)
A Warner (resigned 28 July 2021)
D Morriss (appointed 28 July 2021)
S Pardus (appointed 28 July 2021)
Dr L Shalamanova-Malinowski (appointed 28 July 2021)
Company registered
number
07700737
Charity registered
number
1143034
Registered office
The Beaufoy
39 Black Prince Road
London
SE11 6JJ
Company secretary
A Warner
Accountants
Streets LLP
Chartered Accountants
Tower House
Lucy Tower Street
Lincoln
LN1 1XW
Bankers
Unity Trust Bank plc
9 Brindley Place
Birmingham
B1 2HB
Triodos Bank Nv
Deanery Road
Bristol
BS1 5AS

Page 1

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

TRUSTEES' REPORT FOR THE YEAR ENDED 31 JULY 2021

The trustees present their annual report together with the financial statements of the Diamond Way Teachings and Centres for the year 1 August 2020 to 31 July 2021. The annual report serves the purposes of both a trustees' report and a directors' report under company law.

The trustees confirm that the annual report and financial statements of the charitable company comply with the current statutory requirements, the requirements of the charitable company's governing document and the provisions of the Statement of Recommended Practice (SORP) applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS102) (effective 1 January 2015) as amended.

Since the charity qualifies as small under section 382 of the Companies Act 2006, the strategic report required of medium and large companies under the Companies Act 2006 (Strategic Report and Directors' Report) Regulations 2013 has been omitted.

STRUCTURE, GOVERNANCE AND MANAGEMENT

The charity is run by a board of trustees. The members are the guarantors of the charity and the number of members is three.

The trustees of the charity, who are also directors of the company, served throughout the year unless otherwise indicated:

Jevgenijs Bainenkovs Tobias Rossberg Dafydd Huw Morriss (appointed 28 July 2021) Sonia Klaudia Pardus (appointed 28 July 2021) Dr Liliana Dimitrova Shalamanova-Malinowski (appointed 28 July 2021) M D Konczak (resigned 28 July 2021) A Warner (resigned 28 July 2021) Vanja Rossberg (resigned 28 July 2021)

Recruitment, Appointment and Training of New Trustees

The trustees are appointed by the members of the charitable company.

Potential new appointments are discussed at members’ meetings and a shortlist agreed of those to be approached. Candidates are then approached to establish whether they are willing to serve and if so, appointments are then confirmed at the next meeting of the members. The policies and procedures adopted for the induction and training of new trustees are tailored to their individual needs, commensurate with their experience, ensuring that they understand their obligations and possess a sufficient knowledge as to how to discharge them.

The powers and duties of the trustees are set out in the Articles of Association. The trustees are empowered to manage the business of the charitable company and exercise all such powers of the charitable company that are not required to be exercised by the charitable company in General Meeting.

Page 2

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 JULY 2021

OBJECTIVES AND ACTIVITIES

Constitution and Charity Objects

Diamond Way Teachings and Centres is a charity registered with the Charity Commission for England and Wales (charity number 1143034; registered on 22 July 2011), and is a private company limited by guarantee (company number 07700737; incorporated on 11 July 2011).

The objects of the charity are for the public benefit to:

REPORT ON THE YEAR

The charity continues to work to promote understanding of Diamond Way Buddhism in the UK and internationally.

In 2013, the charity took full freehold possession of the former Beaufoy Institute, 39 Black Prince Road, London SE11 6JJ for the purposes of furthering the charity’s aims. Throughout the financial year work was undertaken in respect of a number of renovation and construction works on the Beaufoy.

Volunteers assisted throughout the year with the refurbishment and restauration of the building.

The charity supported several events and ongoing activities to promote Diamond Way Buddhism this financial year, including meditation and lectures, including with travelling teachers and with Lama Ole Nydahl (including via online streaming).

Furthermore, many people attending the charity’s centre travelled both in the UK and worldwide to assist in national and international projects and courses.

Page 3

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 JULY 2021

FINANCIAL REPORT

The results for the year are set out on the Statement of Financial Activities and show that the charity's net outgoing resources on all funds during the year amounted to £82,275 (2020: incoming resources £69,730). At the year-end free reserves, excluding fixed assets and associated borrowings, amounted to £212,591 (2020: £241,813).

The charity is funded by donations, as well as a loan from a reputable UK bank. There are currently no restrictions on the charity's power to invest. The trustees consider the income requirements of the organisation against the income prospects. The charity continues to raise money for the funding of the development of its centre at the Beaufoy in London.

Reserves Policy

The trustees consider that sufficient but not excessive reserves need to be built up to meet the commitments of the charity. The reserves policy is to ensure that sufficient funds are available to cover the running costs and refurbishment plans in accordance with the budget.

Risk Management

The trustees have considered the major risks to which Diamond Way Teachings and Centres is exposed. In common with many charities of a similar size and those that manage buildings, we have undertaken a number of risk management protocols including the following ones on site:

There is an overall H&S Risk Assessment covering the building works in the Beaufoy. This is based on those areas involved as being viewed a construction site. Method statements and risk assessments are used for all works including those for volunteers, who are given training and appropriate Personal Protective Equipment as well as being supervised as required. Regular walkthroughs are made by the designated risk officer and working with the Site Supervisor and Managers he takes care to remove, contain or manage any potential hazards or perceived risks in both the closed and public areas of the. He also draws up a separate H&S Risk Assessment and Fire Risk Assessment whenever there is an event in the building, specific to that event. We have also draw up a PEEP (Personal Emergency Evacuation Plan) for disabled persons should they visit. A number of the community have been trained for First Aid by the Red Cross and Level 2 Food Safety in Catering by TutorCare, Horsham.

The trustees have also established systems and procedures to address any reputational and other risks to the charity.

The charity also implemented a number of policies and procedures, in line with UK Government and NHS guidance, in order to safeguard its activity and its volunteers in light of the COVID-19 global pandemic, which were updated throughout the period in response to the progress of the pandemic.

FUTURE PLANS

The charity is planning visits from many High Lamas of the Karma Kagyu Lineage, including further visits from Lama Ole Nydahl and his representatives. The charity will support the continuing development of the Charity’s organisation and infrastructure so as to best serve the Objects.

Page 4

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 JULY 2021

STATEMENT OF TRUSTEES’ RESPONSIBILITIES

The trustees who are also the directors of the charity for the purposes of company law are responsible for preparing the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice). Company and charity law requires the trustees to prepare financial statements for each financial year which give a true and fair view of the incoming resources and application of resources, including the income and expenditure, of the charitable company for that period. In preparing financial statements the trustees are required to:

The trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time the financial position of the charitable company and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charitable company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

SMALL COMPANIES EXEMPTION

The above report has been prepared in accordance with the special provisions of Part 15 of the Companies Act 2006 relating to small companies.

Approved by order of the members of the board of trustees on 13 March 2022 and signed on their behalf by:

T Rossberg Trustee

Page 5

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

INDEPENDENT EXAMINER'S REPORT FOR THE YEAR ENDED 31 JULY 2021

Independent examiner's report to the trustees of Diamond Way Teachings and Centres ('the charity')

I report to the charity trustees on my examination of the accounts of the charity for the year ended 31 July 2021.

Responsibilities and basis of report

As the trustees of the charity (and its directors for the purposes of company law) you are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 2006 ('the 2006 Act').

Having satisfied myself that the accounts of the charity are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of the charity's accounts carried out under section 145 of the Charities Act 2011 ('the 2011 Act'). In carrying out my examination I have followed the Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

Independent examiner's statement

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

  1. accounting records were not kept in respect of the charity as required by section 386 of the 2006 Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the accounting requirements of section 396 of the 2006 Act other than any requirement that the accounts give a 'true and fair' view which is not a matter considered as part of an independent examination; or

  4. the accounts have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charities [applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)].

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.

This report is made solely to the charity's trustees, as a body, in accordance with Part 4 of the Charities (Accounts and Reports) Regulations 2008. My work has been undertaken so that I might state to the charity's trustees those matters I am required to state to them in an Independent examiner's report and for no other purpose. To the fullest extent permitted by law, I do not accept or assume responsibility to anyone other than the charity and the charity's trustees as a body, for my work or for this report.

Signed:

Dated: 16 March 2022

Robert Anderson FCA

Streets LLP Tower House Lucy Tower Street Lincoln LN1 1XW

Page 6

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

STATEMENT OF FINANCIAL ACTIVITIES (INCORPORATING INCOME AND EXPENDITURE ACCOUNT) FOR THE YEAR ENDED 31 JULY 2021

Note
Income from:
Donations and legacies
2
Charitable activities
3
Other trading activities: Fundraising
4
Investments
5
Total income
Expenditure on:
Raising funds
Charitable activities
Total expenditure
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Net movement in funds
Total funds carried forward
Unrestricted
funds
2021
£
40,152
186,194
4,468
-
230,814
2,955
310,134
313,089
(82,275)
1,740,610
(82,275)
1,658,335
Total
funds
2021
£
40,152
186,194
4,468
-
230,814
2,955
310,134
313,089
(82,275)
1,740,610
(82,275)
1,658,335
Total
funds
2020
£
138,991
210,683
5,548
148
355,370
1,997
283,643
285,640
69,730
1,670,880
69,730
1,740,610

The Statement of financial activities includes all gains and losses recognised in the year.

The notes on pages 10 to 18 form part of these financial statements.

Page 7

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee) REGISTERED NUMBER: 07700737

BALANCE SHEET AS AT 31 JULY 2021

Note
Fixed assets
Tangible assets
9
Current assets
Debtors
10
Cash at bank and in hand
Creditors: amounts falling due within one
year
11
Net current assets
Total assets less current liabilities
Creditors: amounts falling due after more
than one year
12
Net Assets
46,772
224,698
271,470
(94,362)
2021
£
2,797,239
2,797,239
177,108
2,974,347
(1,316,012)
1,658,335
27,685
282,430
310,115
(102,315)
2020
£
2,866,861
2,866,861
207,800
3,074,661
(1,334,051)
1,740,610

Page 8

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee) REGISTERED NUMBER: 07700737

BALANCE SHEET (CONTINUED) AS AT 31 JULY 2021

Note
Charity funds
Unrestricted funds
13
Total funds
2021
£
1,658,335
1,658,335
2020
£
1,740,610
1,740,610

The charity was entitled to exemption from audit under section 477 of the Companies Act 2006.

The members have not required the company to obtain an audit for the year in question in accordance with section 476 of Companies Act 2006.

The trustees acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and preparation of financial statements.

The financial statements have been prepared in accordance with the provisions applicable to entities subject to the small companies regime.

The financial statements were approved and authorised for issue by the trustees on 13 March 2022 and signed on their behalf by:

T Rossberg Trustee

The notes on pages 10 to 18 form part of these financial statements.

Page 9

DIAMOND WAY TEACHINGS AND CENTRES (A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 JULY 2021

1. Accounting policies

1.1 Basis of preparation of financial statements

The financial statements 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 2015), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006.

Diamond Way Teachings and Centres meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy.

1.2 Company Status

The charity is a company limited by guarantee. The members of the company are the trustees named on page 1. In the event of the charity being wound up, the liability in respect of the guarantee is limited to £1 per member of the charity.

1.3 Income

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

1.4 Expenditure

Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, 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 classified by activity. The costs of each activity are made up of the total of direct costs and shared costs, including support costs involved in undertaking each activity.

Fundraising costs are those incurred in seeking voluntary contributions and do not include the costs of disseminating information in support of the charitable activities.

Expenditure on charitable activities is incurred on directly undertaking the activities which further the charity's objectives, as well as any associated support costs.

All expenditure is inclusive of irrecoverable VAT.

1.5 Interest receivable

Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the charity; this is normally upon notification of the interest paid or payable by the institution with whom the funds are deposited.

Page 10

DIAMOND WAY TEACHINGS AND CENTRES (A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 JULY 2021

1. Accounting policies (continued)

1.6 Tangible fixed assets and depreciation

Tangible fixed assets costing £500 or more are capitalised and recognised when future economic benefits are probable and the cost or value of the asset can be measured reliably.

At each reporting date the charity assesses whether there is any indication of impairment. If such indication exists, the recoverable amount of the asset is determined to be the higher of its fair value less costs to sell and its value in use. An impairment loss is recognised where the carrying amount exceeds the recoverable amount.

Depreciation is charged so as to allocate the cost of tangible fixed assets less their residual value over their estimated useful lives, using the straight-line method.

Depreciation is provided on the following bases:

1.7 Debtors

Other debtors are recognised at the settlement amount after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

1.8 Liabilities

Liabilities are recognised when there is an obligation at the Balance sheet date as a result of a past event, it is probable that a transfer of economic benefit will be required in settlement, and the amount of the settlement can be estimated reliably.

Liabilities are recognised at the amount that the charity anticipates it will pay to settle the debt or the amount it has received as advanced payments for the goods or services it must provide.

1.9 Financial instruments

The charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value with the exception of bank loans which are subsequently measured at amortised cost using the effective interest method.

1.10 Fund accounting

General funds are unrestricted funds which are available for use at the discretion of the trustees in furtherance of the general objectives of the charity and which have not been designated for other purposes.

Page 11

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 JULY 2021

2. Income from donations

Unrestricted
funds
2021
£
Donations
40,152
3.
Income from charitable activities
Unrestricted
funds
2021
£
Education on Tibetan Lay Buddhism
186,194
Total
funds
2021
£
40,152
Total
funds
2021
£
186,194
Total
funds
2020
£
138,991
Total
funds
2020
£
210,683

4. Fundraising Income Income from fundraising events

Unrestricted
funds
2021
£
Dharma Shop
4,468
Dharma Events
-
4,468
Total
funds
2021
£
4,468
-
4,468
Total
funds
2020
£
3,151
2,397
5,548

Page 12

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 JULY 2021

5. Investment income

Bank Interest Received
Analysis of expenditure by activities
Charitable Activity Costs
Analysis of direct costs
Kitchen
Unrestricted
funds
2021
£
-
Direct costs
2021
Support
costs
2021
£
£
1,991
308,143
Activities
2021
£
1,991
Total
funds
2021
£
-
Total
funds
2021
£
310,134
Total
funds
2021
£
1,991
Total
funds
2020
£
148
Total
funds
2020
£
283,643
Total
funds
2020
£
2,913

6. Analysis of expenditure by activities

Page 13

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 JULY 2021

6. Analysis of expenditure by activities (continued)

Analysis of support costs

Depreciation
Building Costs
Utilities
Bank Charges
Advisors
Motor Expenses
Sundry Expenses
Loan Interest Paid
Governance Costs
Housekeeping
Activities
2021
£
69,622
122,961
3,614
394
2,100
-
15,110
87,247
5,394
1,701
308,143
Total
funds
2021
£
69,622
122,961
3,614
394
2,100
-
15,110
87,247
5,394
1,701
308,143
Total
funds
2020
£
69,622
85,761
40,514
513
1,103
682
13,525
65,198
2,819
993
280,730

7. Independent examiner's remuneration

The independent examiner's remuneration amounts to an independent examiner fee of £2,400 ( 2020 - £2,370 ).

8. Trustees' remuneration and expenses

During the year, no trustees received any remuneration or other benefits (2020 - £NIL) .

During the year ended 31 July 2021, no trustee expenses have been incurred (2020 - £NIL) .

Page 14

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 JULY 2021

9. Tangible fixed assets

Cost
At 1 August 2020
At 31 July 2021
Depreciation
At 1 August 2020
Charge for the year
At 31 July 2021
Net book value
At 31 July 2021
At 31 July 2020
10.
Debtors
Other debtors
Prepayments and accrued income
Freehold
property
£
3,106,726
3,106,726
247,352
62,135
309,487
2,797,239
2,859,374
Fixtures and
fittings
£
47,596
47,596
40,109
7,487
47,596
-
7,487
2021
£
33,454
13,318
46,772
Total
£
3,154,322
3,154,322
287,461
69,622
357,083
2,797,239
2,866,861
2020
£
15,607
12,078
27,685

Page 15

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 JULY 2021

11. Creditors: Amounts falling due within one year

Bank loans
Other creditors
Accruals
2021
£
35,483
50,348
8,531
94,362
2020
£
34,013
59,636
8,666
102,315

12. Creditors: Amounts falling due after more than one year

2021 2020
£ £
Bank loans 1,316,012 1,334,051

The aggregate amount of liabilities payable or repayable wholly or in part more than five years after the reporting date is:

Repayable by instalments
Repayable other than by instalments
2021
£
625,337
500,184
1,125,521
2020
£
666,910
516,684
1,183,594

Bank loans are repayable in equal monthly instalments. Interest is charged at 4%. Bank loans are secured by legal charges over the freehold property owned by the Charity.

Page 16

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 JULY 2021

13. Statement of funds

Statement of funds - current year
Balance at 1
August 2020
£
Unrestricted funds
General Funds
1,740,610
Statement of funds - prior year
Balance at
1 August
2019
£
Unrestricted funds
General Funds
1,670,880
Income
£
230,814
Income
£
355,370
Expenditure
£
Balance at
31 July 2021
£
(313,089)
1,658,335
Expenditure
£
Balance at
31 July 2020
£
(285,640)
1,740,610
Expenditure
£
Balance at
31 July 2021
£
(313,089)
1,658,335
Expenditure
£
Balance at
31 July 2020
£
(285,640)
1,740,610
Balance at
31 July 2020
£
1,740,610

14. Summary of funds

Summary of funds - current year

Balance at 1
August 2020
£
General funds
1,740,610
Summary of funds - prior year
Balance at
1 August
2019
£
Designated funds
-
General funds
1,670,880
1,670,880
Income
£
230,814
Income
£
-
355,370
355,370
Expenditure
£
Balance at
31 July 2021
£
(313,089)
1,658,335
Expenditure
£
Balance at
31 July 2020
£
-
-
(285,640)
1,740,610
(285,640)
1,740,610
Expenditure
£
Balance at
31 July 2021
£
(313,089)
1,658,335
Expenditure
£
Balance at
31 July 2020
£
-
-
(285,640)
1,740,610
(285,640)
1,740,610
Balance at
31 July 2020
£
-
1,740,610
1,740,610

Page 17

DIAMOND WAY TEACHINGS AND CENTRES

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 JULY 2021

15. Analysis of net assets between funds

Analysis of net assets between funds - current year

Unrestricted
funds
2021
£
Tangible fixed assets
2,797,239
Current assets
271,470
Creditors due within one year
(94,362)
Creditors due in more than one year
(1,316,012)
Total
1,658,335
Total
funds
2021
£
2,797,239
271,470
(94,362)
(1,316,012)
1,658,335

Analysis of net assets between funds - prior year

Tangible fixed assets
Current assets
Creditors due within one year
Creditors due in more than one year
Total
Unrestricted
funds
2020
£
2,866,861
310,115
(102,315)
(1,334,051)
1,740,610
Total
funds
2020
£
2,866,861
310,115
(102,315)
(1,334,051)
1,740,610

16. Related party transactions

Trustees:

Total income received from trustees during the year was £11,127 (2020 - £26,131). There are no balances due from trustees at either year-end.

Amounts paid in relation to trustees expenses are disclosed in note 8.

Relatives of Trustees:

Relatives of trustees relates to close family members and spouses. Total income received from relatives of trustees during the year was £620 (2020 - £495). Total expenses paid to relatives of trustees during the year was £NIL (2020 - £NIL). There are no balances due to or from relatives of trustees at the year-end.

Page 18