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2025-03-31-accounts

The L20 Hub

Charity No. 1147852

Company No. 08096773

Trustees' Report and Unaudited Accounts

31 March 2025

The L20 Hub Contents

Pages
Trustees' Annual Report 2 to 6
Independent Examiner's Report 7
Statement of Financial Activities 8
Summary Income and Expenditure Account 9
Balance Sheet 10
Notes to the Accounts 11 to 18

Page 1

The L20 Hub Trustees Annual Report

The trustees, who are also directors of the charity for the purposes of the Companies Act 2006, herein present their report with the unaudited financial statements of the charity for the year ended 31 March 2025.

The financial statements have been prepared in accordance with the accounting policies set out in Note 1 to the accounts and comply with the charity's governing document, the Charities Act 2011, the Companies Act 2006 and Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard 102 applicable in the UK and Republic of Ireland.

REFERENCE AND ADMINISTRATIVE DETAILS

Company No. 08096773

Charity No. 1147852

Registered Office

St Marys Complex Studio 8 Waverley Street Bootle Merseyside L20 4AP

Directors and Trustees

The Directors of the charitable company are its Trustees for the purposes of charity law. The following Directors and Trustees served during the year:

D.P. Clare C.L. McGuire J. Murphy E.S. Robinson

Key Management Personnel

Chair

Eloise Robinson

Accountants

Sefton Council for Voluntary Service Burlington House Crosby Road North Waterloo Liverpool L22 0LG

Bankers

CAF Bank Ltd 25 Kings Hill Avenue Kings Hill West Malling

Page 2

The L20 Hub Trustees Annual Report

Kent

ME19 4JQ

OBJECTIVES AND ACTIVITIES

The L20 Hub remains dedicated to improving the lives of Bootle residents and the wider community by delivering an ever-evolving range of youth and community programmes. Our mission for 2025 is to address disadvantage, deprivation, and inequality, ensuring that children, young people, older adults, and families have access to opportunities that foster social, educational, and recreational growth. We are committed to adapting our services to meet the changing needs of our community in a challenging economic and social climate.

• Expanded Youth Initiatives: Building on increased funding, we continue to offer targeted youth engagement through art clubs, cooking classes, sports, and outreach. Our Media Club (podcasts, journalism, filmmaking, content creation), Duke of Edinburgh Award programme, ASDAN accredited activities, Girls Clubs, multi-sports sessions, paddle sports (kayaking, canoeing, paddleboarding), and Forest School experiences remain central to our offer.

• Community Programmes: We deliver weekly coffee mornings, community day trips, the Pride of Sefton project, drumming circles, photography club, the Healthy Habits 12-week wellness programme, natural craft workshops, ad hoc community projects, parent support groups (Fun 4 Tots), and Roots & Shoots community growing initiatives.

• Tackling Social Isolation and Promoting Wellbeing: Our activities are designed to reduce social isolation, promote mental and physical wellbeing, and build a stronger, more inclusive community. We are especially focused on supporting those most affected by austerity, the cost-of-living crisis, and social divides.

• Continuous Service Review: We regularly review and develop our services to ensure they remain relevant and impactful, responding to feedback and the evolving needs of Bootle and its residents.

• Strategic Growth: In 2025, we are prioritising the search for a larger, purpose-built facility to accommodate our growth and the expanding range of activities. We are also exploring new enterprise opportunities to support the charity’s sustainability and resilience.

The L20 Hub is committed to working collaboratively with residents, local authorities, and partner organisations to improve social, environmental, educational, and economic outcomes for all, without distinction. Our vision for 2025 is to continue growing, innovating, and ensuring that our community services meet the changing needs of Bootle.

Sefton MBC (Commissioned) - £65,000 to support the delivery of youth and community services in the Bootle area.

Sport England – To deliver physical activity/multi-sports during the school holidays.

National Lottery Reaching Communities - £75,118 towards recovery and redevelopment of core services and operational costs/employment of staff.

ACHIEVEMENTS AND PERFORMANCE

Over the course of the 2024–2025 tax year, The L20 Hub has continued to build on the stability achieved in recent years, maintaining consistent delivery of our services and projects in line with our strategic direction. Our core funding from The National Lottery and other key partners has enabled us to sustain our operations and respond to the evolving needs of our community.

Page 3

The L20 Hub Trustees Annual Report

This year, we have seen the successful launch of several new projects, further strengthening our offer to the Bootle (L20) area and surrounding communities. Our hybrid model, delivering services both at our base and through satellite venues remains effective, but the need for a larger, fit-for-purpose facility has become even more pressing. Our current premises are untenable and increasingly unable to accommodate our growth and the expanding range of activities we provide.

A significant development this year has been the commencement of staff training as Paddle Sport Instructors and Forest School Leaders. This marks the beginning of an exciting journey to broaden our expertise and diversify our services, both for the benefit of our community and as a potential enterprise opportunity to support the charity’s sustainability.

The injection of new staff and the reinstatement of most services, made possible by continued funding, has allowed the CEO to focus more on strategic development and future enterprise planning. However, balancing day-to-day delivery with long-term growth remains a challenge, especially as we continue to recover from the impacts of the Covid pandemic.

Despite these challenges, our objectives remain unchanged: to benefit the residents of Bootle and its surrounding communities by identifying underrepresented areas, addressing demographic inequalities, and delivering impactful, community-led services. We are committed to working collaboratively with residents, local authorities, and partner organisations to improve social, environmental, educational, and economic outcomes for all, without distinction.

As we look ahead, securing a larger, purpose-built facility is a top priority to ensure we can continue to grow, innovate, and meet the needs of our community for years to come.

FINANCIAL REVIEW

The charity’s financial position at the end of the reporting period having started the year with funds brought forward of £141,227 of which £67,931 was unrestricted. We end the year with funds of £136,7011 and unrestricted funds of £59,901.

There has been no surplus of funding this year. The value of our fixed assets has decreased from £14,967 to £11,366. This relates to the depreciation of the 2 minibuses which are each now 1 year older.

RISKS AND UNCERTANTIES

Charity premises

The charity resides at St Marys Complex. This building plus the surrounding environment and diverse network of multiskilled CIC’s is a positive fit for the organisation and will facilitate many opportunities going forward. However, despite the positives, the building is very old and not completely fit for purpose. We are limited to what we can deliver long term. We now must consider our next steps to finding the right premises to serve as our ‘forever home’. Unfortunately, this will be particularly difficult as there is still a lack of available property in the area. Our need for enterprise to generate unrestricted income for the charity is becoming more and more urgent if we are to look for alternative premises.

Brexit

The charity has always prided itself on being a ‘Real living wage’ organisation however, we will have to give this status serious review as proposed inflation could mean an hourly salary increase of over £1, which could be unaffordable given the charities current financial position.

RESERVES POLICY AND DESIGNATED FUNDS

Page 4

The L20 Hub Trustees Annual Report

Our readily realisable reserves stand at £48,535. With the precariousness of the charity’s current situation these reserves are designated by the trustees to meet the operational needs of the Charity in the year to come. This figure equates to between 3-6 months operating costs at current levels. £16,500 of unrestricted funds from the cash account has been set aside from to cover the cost of works needed to develop an office space/youth and community base so the charity can continue its work, whilst finding new premises.

PLANS FOR FUTURE PERIODS

Over the past two years, The L20 Hub has undergone significant transformation, emerging with a clear strategic direction, increased community engagement, and a strong reputation. In the coming year, our priority is to secure a new venue that will support our growth and enable us to expand our services. Alongside this, we are actively exploring new enterprise opportunities to strengthen our sustainability. Our programmes are continually reviewed and developed, with particular emphasis on: In the next year, we will work with urgency to secure new premises for the charity. Should we succeed, we will consider organisational restructuring and pursue large grant applications aligned with our strategic direction. We will also identify mandatory and continuing professional development (CPD) training for staff.

Our ongoing objective is to promote high levels of job satisfaction for everyone working or volunteering at The L20 Hub. We will implement bespoke training matrices covering essential areas such as Health and Safety, Safeguarding, COSHH, Risk Assessment, as well as individual and organisational development training including Mental Health Awareness, Managing Change, and service-specific CPD. Our commitment is to build a workforce that is skilled, adaptable, and responsive to the evolving needs of our community. We continue to strengthen partnerships with other providers and peers, sharing best practice and building alliances as part of our ongoing investment in the community.

We will keep developing our services for all ages, focusing especially on those most affected by austerity, crime and social divisions. While much of our work supports children and young people, we aim to serve the whole community, promoting health, wellbeing, employability, and inclusion. Attracting new participants and maintaining a strong safeguarding culture remain top priorities for out CEO and trustees.

STRUCTURE, GOVERNANCE AND MANAGEMENT

The L20 Hub is a registered charity (1147852), and a company limited by guarantee (08096773). The trustees of the charity are the directors of the company. The registered office as of April 2022 is Studio 8, St Mary’s Complex, Waverley Street, Bootle, L20 4AP.

The following trustees served during the year 2024/2025: Mrs Eloise Robinson, Mr David Clare, Mr Joshua Murphy and Ms Carolyn McGuire.

Maggi Aslet representing Sefton CVS meets with the trustees and attends meetings with a view to supporting the direction of the charity.

The charity’s trustees on 28th January 2026 approved the Trustees’ Annual Report and attached financial statements:

The Trustees are responsible for keeping proper accounting records that 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 Companies Act 2006. The Trustees are also responsible for safeguarding the assets of the charity and hence taking reasonable steps for the prevention and detection of fraud and other irregularities.

Page 5

The L20 Hub Trustees Annual Report

The above report has been prepared in accordance with the provisions applicable to companies subject to the small companies regime as set out in Part 15 of the Companies Act 2006 and in accordance with the Charities SORP (FRS 102).

Signed on behalf of the board

Eloise Robinson

E.S. Robinson Trustee

28 January 2026

Page 6

The L20 Hub Independent Examiners Report

Independent Examiner's Report to the trustees of The L20 Hub

I report to the charity trustees on my examination of the financial statements of The L20 Hub for the year ended 31 March 2025 which comprise the Statement of Financial Activities, the Summary Income and Expenditure Account, the Balance Sheet and the related notes.

Responsibilities and basis of report

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

Having satisfied myself that the financial statements 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 your charity's financial statements as 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 can confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that:

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 financial statements to be reached.

Ian Wright Chartered Accountant Sefton Council for Voluntary Service Burlington House Crosby Road North Waterloo Liverpool L22 0LG 28 January 2026

Page 7

The L20 Hub Statement of Financial Activities

for the year ended 31 March 2025

Notes
Income and endowments
from:
Donations and legacies
4
Charitable activities
5
Investments
6
Total
Expenditure on:
Charitable activities
7
Total
Net gains on investments
Net (expenditure)/income
8
Transfers between funds
Net (expenditure)/income
before other gains/(losses)
Other gains and losses
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Total funds carried forward		 Unrestricted
funds
2025
£
101
2,900
2,297		 Restricted
funds
2025
£
141,419
-
-		 Total funds
2025
£
141,520
2,900
2,297		 Total funds
2024
£
174,626
-
2,140
5,298
13,328		 141,419
137,915		 146,717
151,243		 176,766
156,235
13,328
-		 137,915
-		 151,243
-		 156,235
-
(8,030)
-		 3,504
-		 (4,526)
-		 20,531
-
(8,030) 3,504 (4,526) 20,531
(8,030)
67,931		 3,504
73,296		 (4,526)
141,227		 20,531
120,696
59,901 76,800 136,701 141,227

Page 8

The L20 Hub Summary Income and Expenditure Account

for the year ended 31 March 2025

Income
Interest and investment income
Gross income for the year
Expenditure
Depreciation and charges for
impairment of fixed assets
Total expenditure for the year
Net (expenditure)/income before tax
for the year
Net (expenditure )/income for the year		 2025
£
144,420
2,297
146,717
147,642
3,601
151,243
(4,526)
(4,526)		 2024
£
174,626
2,140
176,766
151,458
4,777
156,235
20,531
20,531

Page 9

The L20 Hub Balance Sheet

at 31 March 2025

Company No.
08096773
Notes
2025
£
Fixed assets
Tangible assets
10
11,366
11,366
Current assets
Debtors
11
607
Cash at bank and in hand
125,157
125,764
Creditors:Amount falling due within one year
12
(429)
Net current assets
125,335
Total assets less current liabilities
136,701
Net assets excluding pension asset or liability
136,701
Total net assets
136,701
The funds of the charity
Restricted funds
13
Restricted income funds
76,800
76,800
Unrestricted funds
13
General funds
27,035
Designated funds
32,866
59,901
Reserves
13
Total funds
136,701		 2024
£
14,967
14,967
607
125,795
126,402
(142)
126,260
141,227
141,227
141,227
73,296
73,296
31,464
36,467
67,931
141,227

These accounts have been prepared in accordance with the special provisions of Part 15 of the Companies Act 2006 relating to small companies.

For the year ended 31 March 2025 the company was entitled to exemption under section 477 of the Companies Act 2006 relating to small companies.

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

The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of accounts.

Approved by the board on 28 January 2026

And signed on its behalf by:

Eloise Robinson

E.S. Robinson Trustee 28 January 2026

Page 10

The L20 Hub Notes to the Accounts

for the year ended 31 March 2025

Basis of preparation

The financial statements have been prepared in accordance with the charity's governing document, the Companies Act 2006, FRS 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" ("FRS 102") and the Charities SORP "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). The charity 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 note. The functional currency used is the £ Sterling.

Assets and liabilities are initially recognized at historical cost or transaction value unless otherwise stated in the relevant accounting policy note.

The functional currency used is the £ Sterling.

Preparation of the accounts on a going concern basis

At the time of approving the accounts, the trustees' have a reasonable expectation that the Charity has adequate resources to continue in operational existence for the forseeable future. As such these accounts have been prepared under the going concern basis.

Change in basis of accounting or to previous accounts

There has been no change to the accounting policies (valuation rules and method of accounting) since last year and no changes have been made to accounts for previous years.

Fund accounting

Unrestricted funds These are available for use at the discretion of the trustees in furtherance of the general objects of the charity. Designated funds These are unrestricted funds earmarked by the trustees for particular purposes. Revaluation funds These are unrestricted funds which include a revaluation reserve representing the restatement of investment assets at their market values. Restricted funds These are available for use subject to restrictions imposed by the donor or through terms of an appeal.

Page 11

The L20 Hub Notes to the Accounts

Income

Expenditure

Taxation

The charity is exempt from corporation tax on its charitable activities.

Trade and other debtors

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

Page 12

The L20 Hub Notes to the Accounts

Cash and cash equivalents

Cash and cash equivalents comprise cash at bank and on hand, demand deposits with banks and other short-term highly liquid investments with original maturities of three months or less and bank overdrafts. In the statement of financial position, bank overdrafts are shown within borrowings or current liabilities. In the Statement of Cash Flows, cash and cash equivalents are shown net of bank overdrafts that are repayable on demand and form an integral part of the company's cash management.

Trade and other creditors

Short term creditors are measured at the transaction price. Other creditors and provisions are recognised where the charity has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors and provisions are normally recognised at their settlement amount after allowing for any trade discounts due.

Pension costs

The charity operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the company pays fixed contributions into a separate entity. Once the contributions have been paid the company has no further payments obligations. The contributions are recognised as expenses when they fall due. Amounts not paid are shown in accruals in the balance sheet. The assets of the plan are held separately from the company in independently administered funds.

2 Company status

The company is a private company limited by guarantee and consequently does not have share capital.

Page 13

The L20 Hub

Notes to the Accounts

3 Statement of Financial Activities - prior year

Income and endowments from:
Donations and legacies
Investments
Total
Expenditure on:
Charitable activities
Total
Net income
Net income before other
gains/(losses)
Other gains and losses:
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Total funds carried forward
4
Income from donations and legacies
Sefton MBC - Youth Work
Sefton MBC -
Neighbourhoods Division
Canal & River Trust
Youth Development Fund
National Lottery Community
Fund
Burbo Bank Extension Fund
Donations
P H Holt
Sefton CVS Community
Resilience Grant
Duke of Edinburgh Award
Scheme		 Unrestricted
£
-
-
-
-
-
-
101
-
-
-
101		 Unrestricted
funds
2024
£
150
2,140
2,290
6,023
6,023
(3,733)
(3,733)
(3,733)
71,664
67,931
Restricted
£
-
32,500
32,500
-
73,026
-
275
-
1,498
1,620
141,419		 Restricted
funds
2024
£
174,476
-
174,476
150,212
150,212
24,264
24,264
24,264
49,032
73,296
Total
2025
£
-
32,500
32,500
-
73,026
-
376
-
1,498
1,620
141,520		 Total funds
2024
£
174,626
2,140
176,766
156,235
156,235
20,531
20,531
20,531
120,696
141,227
Total
2024
£
34,884
32,500
-
3,233
88,437
12,922
150
2,500
-
-
174,626

Page 14

The L20 Hub Notes to the Accounts

5 Income from charitable activities

Room hire
6
Income from investments
Bank Interest
7
Expenditure on charitable activities
Expenditure on charitable
activities
Room hire
Admin costs
Employee costs
Motor and travel costs
Premises costs
Amortisation, depreciation,
impairment, profit/loss on
disposal of fixed assets
General administrative costs
Legal and professional costs
8
Net (expenditure)/income before transfers
This is stated after charging:
Depreciation of owned fixed assets
9
Staff costs
Salaries and wages
Social security costs
Pension costs		 Unrestricted
£
1,515
2,720
3,150
2,070
3,601
122
150
13,328		 Unrestricted
£
2,900
2,900
Unrestricted
£
2,297
2,297
Restricted
£
12,125
102,051
414
12,386
-
5,176
5,763
137,915
2025
£
3,601
2025
96,934
2,098
622
99,654		 Total
2025
£
2,900
2,900
Total
2025
£
2,297
2,297
Total
2025
£
13,640
104,771
3,564
14,456
3,601
5,298
5,913
151,243		 Total
2024
£
-
-
Total
2024
£
2,140
2,140
Total
2024
£
18,158
106,520
1,918
7,913
4,777
12,714
4,235
156,235
2024
£
4,777
2024
96,764
2,032
591
99,387

No employee received emoluments in excess of £60,000.

Page 15

The L20 Hub Notes to the Accounts

10 Tangible fixed assets

Cost or revaluation
At 1 April 2024
At 31 March 2025
Depreciation and
impairment
At 1 April 2024
Depreciation charge for the
year
At 31 March 2025
Net book values
At 31 March 2025
At 31 March 2024
11 Debtors
Trade debtors
Other debtors
12 Creditors:
amounts falling due within one year
Other creditors
Accruals		 £
54,499
54,499
41,230
3,317
44,547
9,952
13,269
2025
£
300
307
607
2025
£
279
150
429		 £
9,222
9,222
7,524
284
7,808
1,414
1,698		 £
63,721
63,721
48,754
3,601
52,355
11,366
14,967
2024
£
300
307
607
2024
£
142
-
142

Page 16

The L20 Hub Notes to the Accounts

13 Movement in funds

13 Movement in funds
At 1 April
2024
46,487
1,065
16,246
399
166
862
1,216
6,622
233
-
-
73,296
31,464
14,967
5,000
16,500
36,467
141,227		 Incoming
resources
(including
other
gains/losses)
£
73,026
-
32,775
32,500
-
-
-
-
-
1,498
1,620
141,419
5,298
-
-
-
-
146,717		 Resources
expended
£		 Gross
transfers
£
-
-
-
-
-
-
-
-
-
-
-
-
3,601
(3,601)
-
-
(3,601)
-		 At 31
March
2025
£
57,283
1,065
401
6,217
166
862
1,216
6,622
233
1,498
1,237
Restricted funds:
Restricted income funds:
National Lottery Community
Fund
Canal & River Trust
Sefton MBC Youth Project
Sefton MBC Neighbourhoods
Division
Steve Morgan Foundation
Park Project
PH Holt
Burbo Bank
Sefton CVS Jubilee Fund
Sefton CVS Community
Resilience Fund
Duke of Edinburgh Award
Scheme
Total
Unrestricted funds:
General funds
Designated funds:
Fixed Asset Fund
Business Contingency Fund
Property Development Fund
Total
Total funds
(62,230)
-
(48,620)
(26,682)
-
-
-
-
-
-
(383)
(137,915)
(13,328)
-
-
-
-
(151,243)
76,800
27,035
11,366
5,000
16,500
32,866
136,701

Purposes and restrictions in relation to the funds: Restricted funds:

National Lottery Community To support operations and employee cost. Fund Canal & River Trust Grant was awarded to cover staff training. Sefton MBC Youth Project Commissioned service funding to support young people. Sefton MBC Neighbourhoods Commissioned funding for community work. Division Steve Morgan Foundation Awarded during Covid-19 for community projects.

Page 17

The L20 Hub Notes to the Accounts

L20 Hub
es to the Accounts
Park Project This grant was given to support project based around green spaces.
PH Holt Core funding to support or operations.
Burbo Bank This grant was given to support project based around green spaces.
Sefton CVS Jubilee Fund Awarded to celebrate the Queen's Jubilee.
Sefton CVS Community Community resilience
Resilience Fund
Duke of Edinburgh Award Duke of Edinburgh Award Scheme
Scheme
Designated funds:
Fixed Asset Fund Represents monies ordinarily not available for charity.
Business Contingency Fund To support any unplanned expenditure.
Property Development Fund To support repairs and renewal of premises.

14 Analysis of net assets between funds

Fixed assets
Net current assets
15 Reconciliation of net cash / (net debt)
Cash and cash equivalents
Net cash / (net debt)		 Unrestricted
funds
£
11,366
125,028
136,394
At 1 April
2024
£		 Restricted
funds
£
-
307
307
Cash flows
£		 Total
£
11,366
125,335
136,701
At 31
March
2025
£
125,795 (638) 125,157
125,795
125,795		 (638)
(638)		 125,157
125,157

FRS 102 requires and entity to report changes in net debt in the accounting period. The L20 Hub does not carry any debt or other borrowings and has a positive net cash position

16 Commitments

Pension commitments

Pension commitments
The pension cost charge to the company
amounted to:
17 Related party disclosures
Controlling party		 2025
£
622		 2024
£
591

The company is limited by guarantee and has no share capital; thus no single party controls the company.

Page 18

2026-01-28

Draft accounts 27 01 26

Final Audit Report

Created: 2026-01-28 By: Simone Me-me (simone.meme@seftoncvs.org.uk) Status: Signed Transaction ID: CBJCHBCAABAAqZR8HDP1NiPHnplPeSKaMbB5vjD9_3G5

"Draft accounts 27 01 26" History

Document created by Simone Me-me (simone.meme@seftoncvs.org.uk)

2026-01-28 - 3:58:22 PM GMT- IP address: 80.209.135.82

Document emailed to Eloise Robinson (eloise@thel20hub.co.uk) for signature

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Email viewed by Eloise Robinson (eloise@thel20hub.co.uk)

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Document e-signed by Eloise Robinson (eloise@thel20hub.co.uk)

Signature Date: 2026-01-28 - 5:02:31 PM GMT - Time Source: server- IP address: 86.184.80.25

Agreement completed.

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