2021-03-31-accounts - Grandmother Clara's Dream

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

Trustees' Annual Report for the period

From

Period start date Period end date 01ST APRIL 2020 31ST MARCH 2021

Section A Reference and administration details

Charity name

GRANDMOTHER CLARA’S DREAM

Other names charity is known by n/a

	Registered charity number (if any) 1158148 Charity's principal address Arnimean Barrhill Girvan Postcode KA26 0RF ~~ee~~	Registered charity number (if any) 1158148 Charity's principal address Arnimean Barrhill Girvan Postcode KA26 0RF ~~ee~~	Registered charity number (if any) 1158148 Charity's principal address Arnimean Barrhill Girvan Postcode KA26 0RF ~~ee~~	Registered charity number (if any) 1158148 Charity's principal address Arnimean Barrhill Girvan Postcode KA26 0RF ~~ee~~
	Names of the charity trustees who manage the charity
	Trustee name	Office (if any)	Dates acted if not for whole year	Name of person (or body) entitled to appoint trustee(if any)
1	Emma Astles	Chairperson		Trustees themselves
2	Val Astles			Trustees themselves
3	Paul Astles			Trustees themselves
4
5
6
7
8
9
10
11
12
13
14 15 16 17 18 19 20	Names of the trustees for the charity, if any, (for example, any custodian trustees) ~~=== ===~~
	Name		Dates acted if not for whole year

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Names and addresses of	advisers (Optional information)	advisers (Optional information)
Type of adviser	Name	Address




Name of chief executive or names of senior staff members (Optional information)

Emma Astles (Chairperson)

Section B Structure, governance and management

Description of the charity’s trusts

Type of governing document

Constitution

(eg. trust deed, constitution)

Charitable Incorporated Association How the charity is constituted (eg. trust, association, company) Appointed by a properly convened meeting of trustees Trustee selection methods

(eg. appointed by, elected by)

Additional governance issues (Optional information)

Trustees of Grandmother Clara’s Dream are responsible for fundraising to You may choose to include support the work of the Educandário Creche Comunitária Sonho da Vovó additional information, where Clara (ECCSVC). relevant, about:  policies and procedures ECCSVC is a not for profit community school offering free of charge adopted for the induction and education and childcare to the community of Mata Escura in Salvador, Brazil. ECCSVC is a registered charity in Brazil. training of trustees;  the charity’s organisational There are 3 existing trustees of Grandmother Clara’s Dream. Any new structure and any wider trustees must be appointed by a properly convened meeting of the network with which the charity existing trustees. New trustees are appointed for a term of 3 years after works; which time they may put themselves forward for reappointment at a  relationship with any related relationship with any related properly convened meeting of trustees. The constitution allows for a minimum of 3 and a maximum of 12 trustees.

relationship with any related relationship with any related parties;
trustees’ consideration of All charity trustees give their time freely and no remuneration was paid major risks and the system during the year. Trustees are entitled to be reimbursed from Grandmother and procedures to manage Clara’s Dream for reasonable expenses incurred when acting on behalf of them. the charity, however no expenses have been claimed for the financial year 2020/21.

None of the trustees receive any personal benefit as a result of carrying out the charity’s purpose – our work is very low key, we do not receive any gifts or enhance our business/personal reputations in any way via our work for Grandmother Clara’s Dream.

Charity trustees must declare the nature and extent of any interest, direct or indirect which he or she has in any proposed transaction or arrangement entered into by Grandmother Clara’s Dream that has not been previously declared. Charity trustees must also absent themselves from any conversations of trustees in which it is possible that a conflict of interest will arise between his or her duty to act solely in the interests of

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Grandmother Clara’s Dream.

The ECCSVC school project is only made possible by the fundraising work of Grandmother Clara’s Dream. Trustee and Chairperson Emma Astles established ECCSVC in its current form in 2010. ECCSVC is administrated by volunteer school manager Sr. Eraldo Barbosa and school teacher Sra. Andrea Nunes Veiga. Emma Astles remains in close contact with the ECCSVC staff via email and Skype conversations to ensure that the school is being effectively and safely managed and that funds are being spent correctly.

Emma Astles reports the details of her regular conversations with ECCSVC management to the other Grandmother Clara’s Dream Trustees and any questions or problems which arise are discussed, with decisions taken at properly convened trustee meetings.

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Section C Objectives and activities

Summary of the objects of the charity set out in its governing document Summary of the main activities undertaken for the public benefit in relation to these objects (include within this section the statutory declaration that trustees have had regard to the guidance issued by the Charity Commission on public benefit)	To advance the education, relieve poverty and promote the good health of the pupils at the Educandário Creche Comunitária Sonho da Vovó Clara (ECCSVC) Community School in the poverty stricken favela of Mata Escura in Salvador, Brazil, in particular but not exclusively by the provision of grants for teaching staff, food and materials at the school. To create sustainable local employment in the community of Mata Escura, Salvador, Brazil.
	The trustees confirm that they have referred to the guidance contained in the Charity Commission’s general guidance on public benefit when reviewing the aims and objectives of Grandmother Clara’s Dream and in planning future activities and setting policy for the year. Grandmother Clara’s Dream benefits children aged 2-16 years in the favela of Mata Escura on the outskirts of the city Salvador in Northern Brazil by fundraising to support to the work of Educandário Creche Comunitária Sonho da Vovó Clara (ECCSVC). ECCSVC is an independent community school, which operates without religious or political bias and offers free of charge education and child care to underprivileged children aged 2-16 years. The community of Mata Escura is deeply affected by violent crime, illiteracy, unemployment and a lack of quality housing and amenities. Many families are torn apart by drug trafficking and abuse. There are 2 state schools in the favela, which accept children from age 7 upwards. However, lessons at these schools are regularly cancelled due to a lack of teaching staff and when they are operating children attend for 3 hour ‘’half day’’ sessions only. Owing to the short school sessions, children are often fending for themselves for the majority of the day – and this can put them at serious risk of becoming involved with the local gangs. With schooling so erratic many children drop out early and others never enter the education system. Crime and gang culture attracts many adolescents, who are drawn by the notion of an easy route to improving their financial status and feel there are few other options open to them. The number of adolescents involved in drug trafficking in the city has increased 800% in the last 10 years. Another major issue faced by the inhabitants of Salvador’s favelas is poor public health, nutrition and sanitation. Studies carried out in 2010 revealed that 10.72% of the city’s babies are classified as seriously underweight at birth and 10.21% of children aged 6 and under are suffering from the effects of malnutrition. So, how does ECCSVC benefit the local public in Mata Escura? ECCSVC offers a safe, caring, educational environment for the children of this community. It provides a place where local children can play, develop and learn. Students receive first time teaching in literacy, numeracy, social sciences, natural sciences, arts and crafts. ECCSVC also provides reinforcement classes to older children and teenagers – helping them with their homework and providing teaching on the regular occasions when lessons at the local state school are cancelled and, perhaps most importantly, keeping them off the streets in a positive environment, away from the gangs. All teaching is conducted in Portuguese and all the school’s services are offered free of charge and

Summary of the objects of the
charity set out in its
governing document
Summary of the main
activities undertaken for the
public benefit in relation to
these objects (include within
this section the statutory
declaration that trustees have
had regard to the guidance
issued by the Charity
Commission on public
benefit)

To advance the education, relieve poverty and promote the good
health of the pupils at the Educandário Creche Comunitária
Sonho da Vovó Clara (ECCSVC) Community School in the poverty
stricken favela of Mata Escura in Salvador, Brazil, in particular
but not exclusively by the provision of grants for teaching staff,
food and materials at the school.
To create sustainable local employment in the community of
Mata Escura, Salvador, Brazil.

The trustees confirm that they have referred to the guidance contained in
the Charity Commission’s general guidance on public benefit when
reviewing the aims and objectives of Grandmother Clara’s Dream and in
planning future activities and setting policy for the year. Grandmother
Clara’s Dream benefits children aged 2-16 years in the favela of Mata
Escura on the outskirts of the city Salvador in Northern Brazil by
fundraising to support to the work of Educandário Creche Comunitária
Sonho da Vovó Clara (ECCSVC).
ECCSVC is an independent community school, which operates without
religious or political bias and offers free of charge education and child
care to underprivileged children aged 2-16 years. The community of Mata
Escura is deeply affected by violent crime, illiteracy, unemployment and a
lack of quality housing and amenities. Many families are torn apart by
drug trafficking and abuse.
There are 2 state schools in the favela, which accept children from age 7
upwards. However, lessons at these schools are regularly cancelled due
to a lack of teaching staff and when they are operating children attend for
3 hour ‘’half day’’ sessions only. Owing to the short school sessions,
children are often fending for themselves for the majority of the day – and
this can put them at serious risk of becoming involved with the local
gangs. With schooling so erratic many children drop out early and others
never enter the education system.
Crime and gang culture attracts many adolescents, who are drawn by the
notion of an easy route to improving their financial status and feel there
are few other options open to them. The number of adolescents involved
in drug trafficking in the city has increased 800% in the last 10 years.
Another major issue faced by the inhabitants of Salvador’s favelas is poor
public health, nutrition and sanitation. Studies carried out in 2010
revealed that 10.72% of the city’s babies are classified as seriously
underweight at birth and 10.21% of children aged 6 and under are
suffering from the effects of malnutrition.
So, how does ECCSVC benefit the local public in Mata Escura?
ECCSVC offers a safe, caring, educational environment for the children
of this community. It provides a place where local children can play,
develop and learn. Students receive first time teaching in literacy,
numeracy, social sciences, natural sciences, arts and crafts. ECCSVC
also provides reinforcement classes to older children and teenagers –
helping them with their homework and providing teaching on the regular
occasions when lessons at the local state school are cancelled and,
perhaps most importantly, keeping them off the streets in a positive
environment, away from the gangs. All teaching is conducted in
Portuguese and all the school’s services are offered free of charge and

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free from religious and political bias.

ECCSVC also strives to combat malnutrition by providing daily fruit, breakfast and 2 hot meals for the children. This helps to improve their vitamin intake and reduce their susceptibility to illness. Whenever possible ECCSVC also provides weekend and holiday food packages to help ensure the children are fed whilst not at school.

So, how does this relate to the activities of our charity, Grandmother Clara’s Dream? Well, simply put, the work of ECCSVC as described above is only made possible with the funding raised by Grandmother Clara’s Dream, both here in the UK and online. The activities that ECCSVC undertakes for the benefit of the local public in Mata Escura are enabled by the fundraising activities of Grandmother Clara’s Dream.

Whilst ECCSVC is a registered charity in Brazil and despite countless appeals and requests, attracting local government support has proven impossible. The funds Grandmother Clara’s Dream raises cover all ECCSVC’s costs and 100% of our financial resources are allocated to the continued operation of ECCSVC.

Grandmother Clara’s Dream raises funds through donations from family, friends and former volunteers at ECCSVC, who have seen the work first hand. We also raise donations through a page on the fundraising site GlobalGiving.com. We also maintain a Facebook page with regular updates and photos from the school. This helps to keep our supporters engaged, raise awareness and attract new donors.

With the funds we raise, Grandmother Clara’s Dream send a bi-monthly bank transfer to ECCSVC in Brazil. This transfer amount covers the school salaries as follows:

School Teaching Staff: £275.00 or R$1200/month, £3,300 or R$14,400/year
Teaching Assistant: £140.00 or R$615/month, £1680 or R$7,380/year  Teaching Assistant: £130.00 or R$600/month, £1560 or R$7,200/year  School Cook: £175 or R$750/month, £2100 or R$9000/year

This transfer also covers food and fresh fruit for the students, teaching supplies and an agreed contingency for maintenance of the school buildings and petty cash. These costs normally total around £150 per month, with some seasonal variations. During 20/21 our local staff were able to obtain some government assistance with food supplies and enrolled onto a food donation program, which helps food businesses donate supplies that are safe to eat, but would otherwise go to waste. This assistance helped reduce food costs to around £80/month. Payments were not regular in 20/21 as the school was forced to close for long periods owing to the pandemic and operations were repeatedly interrupted

When funds for food supplies are required Grandmother Clara’s Dream Chairperson Emma Astles discusses the transfer amount with the ECCSVC staff prior to sending the funds and any adjustments are discussed and approved by all trustees.

We also send a separate transfer to cover tuition fees for our school teacher Andrea Veiga. Andrea was born and raised in the Mata Escura area. She left school without qualifications. She discovered a passion for teaching when she started at the school as an assistant in 2010. In 2016 we began supporting Andrea to train formally as a teacher. Grandmother Clara’s Dream sends a monthly transfer to cover her tuition fees at a local college. She is undertaking a 4 year part-time teacher training degree. The benefit for ECCSVC’s students has been fantastic, Andrea

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has brought fresh teaching ideas and methods and her qualified status will ensure that the school has no difficulties obtaining it’s annual operating licence from the Brazilian authories. Andrea’s tuition fees normally total around £100 per calendar month, plus bank charges of approximately £20. She receives these funds along with her salary and transport costs directly as she is the only staff member with a bank account. This reduces the amount of cash that the school has to keep on site for wage payments, which is better for security. Tuition fee payments for Andrea ended in 2020 when she successfully qualified. l

We are very careful to ensure that ECCSVC does not have a shortage or an unmanageable excess each month. Salary amounts for ECCSVC staff are agreed annually, following discussions with staff and are approved by all trustees. We are committed to ensuring that salaries are remain above the minimum wage for Brazil, they are modest but fair and above average for the local community.

Additional details of objectives and activities (Optional information)

You may choose to include further statements, where relevant, about:

policy on grantmaking;
policy programme related investment;
contribution made by volunteers.

Grantmaking Policy - The sole purpose of Grandmother Clara's Dream is to support the work of the Educandário Creche Comunitária Sonho da Vovó Clara (ECCSVC) community school. Grandmother Clara’s Dream only makes grants to ECCSVC and does not support any other individuals, groups or projects. Currently we do not intend to expand our purpose to include support for other individuals, groups or projects. The reason for this is that we know ECCSVC in great depth - the school in its current form was established by one of our Trustees, who spent 2 years managing the operation. We know and trust the staff and also have firsthand experience of the poor conditions in the favela of Mata Escura and the need for this school to continue its work. We have witnessed the effects of the lack of good quality, reliable schooling in Mata Escura, and the great need for childcare to assist parents seeking employment to support their families. We also have excellent lines of communication with the staff on the ground and understanding of the challenges, costs and bureaucracy they face, all of which allows us to work effectively together.

We would not get involved in a project that we did not have this level of understanding of and therefore we do not intend to expand to support other projects. If Grandmother Clara’s Dream were to experience an increase in funding we would use this to expand the work of ECCSVC to allow more students to enrol and ensure an improved pupil-teacher ratio.

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Section D Achievements and performance

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Section D Achievements and performance

During the financial year 2020/21 we can summarize the main Summary of the main achievements of Grandmother Clara’s Dream as follows: achievements of the charity during the year

Raised a total of £300 through online fundraising from family and friends. This was an improvement on our target of £250.
Funded 8 hours schooling per day for approximately 90 days of the year, which equates to 720 teaching hours for year 2020/21. Opening hours were drastically affected in 2020/21 as the school was required to close and cease all operations under Brazilian lockdown restrictions.
Helped to fund 3 meals per day for 45 students for approximately 90 days of the year, which equates to 12,150 meals for the year 2020/21.
Funded 1 piece of fresh fruit per day for 45 students for 90 days of the year, which equates to 4050 pieces of fruit handed out for the year 2020/21.
Funded regular paid employment for 4 members of the local community supporting them during the chaos of the pandemic.

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Section E Financial review It is Grandmother Clara’s Dream policy to maintain a balance on Brief statement of the unrestricted funds which equates to at least 2 months unrestricted charity’s policy on reserves payments – equivalent to £2060 – to cover emergency situations that may arise from time to time. We appreciate that this may not always be possible as our priority must be payment of school salaries and food for the ECCSVC students. If we reach this reserve threshold we will request ECCSVC freeze new pupil enrolment and make any appropriate cutbacks in expenditure, without affecting the welfare and education of its students, in order to protect our emergency reserve. The balance of £2363 held on unrestricted funds at year end met and exceeded our target. Details of any funds materially None in deficit ~~=~~ Further financial review details (Optional information) Grandmother Clara’s Dream is entirely dependent on donations from the You may choose to include public, family and friends to operate. additional information, where relevant about: Total receipts for 2020/21 were £300 of which 100% were unrestricted  the charity’s principal funds. sources of funds (including any fundraising); £4965 was granted to ECCSVC to directly fund their work. £139 was  how expenditure has used for administrative costs for the charity website. supported the key objectives The net result for the year was -£4804 in unrestricted funds. of the charity;  investment policy and Adding bank balances brought forward at the beginning of the financial objectives including any year, the balance carried forward at 31[st] March 2020 totalled £2363. ethical investment policy adopted. Section F Other optional information ~~—~~ Section G Declaration The trustees declare that they have approved the trustees’ report above. Signed on behalf of the charity’s trustees Signature(s) Val Astles Full name(s) Emma Astles Position (eg Secretary, Chair, Chairperson etc) Date 16/02/2022 TAR 9 March 2012

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	Grandmother Clara's Dream	Grandmother Clara's Dream	Grandmother Clara's Dream	Grandmother Clara's Dream	Grandmother Clara's Dream	Grandmother Clara's Dream							1158148	1158148
	Receipts and payments accounts																		CC16a
	For the period from				For the period	01st April 2020				To				31st March 2021	31st March 2021

Section A Receipts and payments
	Unrestricted funds					Restricted funds	Restricted			Endowment funds		Endowment		Total funds					Last year
	to the nearest £		to the nearest £		to the nearest £	to the nearest £	to the nearest £			to the nearest £				to the nearest £					to the nearest £	to the nearest £
A1 Receipts
01/04/2020 - Donation from supporter	25	25	25	25		-	-	-		-	-	-		25	25	25	25		-	-	-	-
01/05/2020 - Donation from supporter	25	25	25	25		-	-	-		-	-	-		25	25	25	25		-	-	-	-
01/06/2020 - Donation from supporter	25	25	25	25		-	-	-		-	-	-		25	25	25	25		-	-	-	-
01/07/2020 - Donation from supporter	25	25	25	25		-	-	-		-	-	-		25	25	25	25		-	-	-	-
01/08/2020 - Donation from supporter	25	25	25	25		-	-	-		-	-	-		25	25	25	25		-	-	-	-
01/09/2020 - Donation from supporter	25	25	25	25		-	-	-		-	-	-		25	25	25	25		-	-	-	-
01/10/2020 - Donation from supporter	25	25	25	25		-	-	-		-	-	-		25	25	25	25		-	-	-	-
01/11/2020 - Donation from supporter	25	25	25	25		-	-	-		-	-	-		25	25	25	25		-	-	-	-
01/12/2020 - Donation from supporter	25	25	25	25		-	-	-		-	-	-		25	25	25	25		-	-	-	-
01/01/2021 - Donation from supporter	25	25	25	25		-	-	-		-	-	-		25	25	25	25		-	-	-	-
01/02/2021 - Donation from supporter	25	25	25	25		-	-	-		-	-	-		25	25	25	25		-	-	-	-
01/03/2021 - Donation from supporter	25	25	25	25		-	-	-		-	-	-		25	25	25	25		-	-	-	-
*Sub total*(Gross income for AR)	300	300	300	300		-	-	-		-	-	-		300	300	300	300		15,200			15,200

A2 Asset and investment sales, (see
table).
	-	-	-			-	-	-		-	-	-		-	-	-	-
	-	-	-			-	-	-		-	-	-		-	-	-	-		-	-	-	-
*Sub total*	-	-	-			-	-	-		-	-	-		- -	- -	- -	- -	- -	- -	- -	- -	- -

*Total receipts*	300	300	300			-	-	-		-	-	-		300	300				15,200
A3 Payments
17/05/2020 - Bank charges	20	20	20	20		-	-	-		-	-	-		20	20	20	20		-	-	-	-
17/05/2020 - Donation to school	720	720	720	720		-	-	-		-	-	-		720	720	720	720		-	-	-	-
17/05/2020 - Correspondent Bank Charges	20	20	20	20		-	-	-		-	-	-		20	20	20	20		-	-	-	-
17/05/2020 - Bank charges	15	15	15	15		-	-	-		-	-	-		15	15	15	15		-	-	-	-
17/05/2020 - Donation to school	69	69	69	69		-	-	-		-	-	-		69	69	69	69		-	-	-	-
17/05/2020 - Correspondent Bank Charges	15	15	15	15		-	-	-		-	-	-		15	15	15	15		-	-	-	-
01/07/2020 - Donation to school	1,378			1,378		-	-	-		-	-	-		1,378	1,378	1,378	1,378		-	-	-	-
01/07/2020 - Correspondent Bank Charges	20	20	20	20		-	-	-		-	-	-		20	20	20	20		-	-	-	-
01/07/2020 - Bank Charges	15	15	15	15		-	-	-		-	-	-		15	15	15	15		-	-	-	-
01/07/2020 - Donation to school	573	573	573	573		-	-	-		-	-	-		573	573	573	573		-	-	-	-
01/07/2020 - Correspondent Bank Charges	20	20	20	20		-	-	-		-	-	-		20	20	20	20		-	-	-	-
01/07/2020 - Bank Charges	15	15	15	15		-	-	-		-	-	-		15	15	15	15		-	-	-	-
14/10/2020 - Donation to school	710	710	710	710		-	-	-		-	-	-		710	710	710	710		-	-	-	-
14/10/2020 - Correspondent Bank Charges	20	20	20	20		-	-	-		-	-	-		20	20	20	20		-	-	-	-
14/10/2020 - Bank Charges	15	15	15	15		-	-	-		-	-	-		15	15	15	15		-	-	-	-
14/10/2020 - Donation to school	1,306			1,306		-	-	-		-	-	-		1,306	1,306	1,306	1,306		-	-	-	-
14/10/2020 - Correspondent Bank Charges	20	20	20	20		-	-	-		-	-	-		20	20	20	20		-	-	-	-
14/10/2020 - Bank Charges	15	15	15	15		-	-	-		-	-	-		15	15	15	15		-	-	-	-
20/10/2020 - Website Hosting Charges	23	23	23	23		-	-	-		-	-	-		23	23	23	23		-	-	-	-
01/02/2021 - Website Hosting Charges	96	96	96	96		-	-	-		-	-	-		96	96	96	96		-	-	-	-
01/02/2021 - Domain Charges	20	20	20	20		-	-	-		-	-	-		20	20	20	20		-	-	-	-
**Sub total **	5,104			5,104		-	-	-		-	-	-		5,104	5,104	5,104	5,104		9,615			9,615

A4 Asset and investment purchases,
(see table)
	-	-	-			-	-	-		-	-	-		-	-	-	-
	-	-	-			-	-	-		-	-	-		-	-	-	-
**Sub total **	-	-	-			-	-	-		-	-	-		- -	- -	- -		- -	- -	- -	- -	- -

*Total payments*	5,104					-	-	-		-	-	-		5,104	5,104		5,104		9,615

*Net of receipts/(payments)*	- 4,804	- 4,804			- 4,804	-	-	-	-	- - 4,804	- - 4,804	- - 4,804	- - 4,804	- - 4,804	- - 4,804			- - 4,804	5,585
A5 Transfers between funds	-	-	-	-	-	- -	- -	- -	- -	- -	- -	- -		-	-	-	-		-	-	-	-
A6 Cash funds last year end	7,141	7,141			7,141	- -	- -	- -	- -	- -	- -	- -		7,141	7,141	7,141	7,141		7,141
*Cash funds this year end*	2,337	2,337			2,337	-	-	-	-	- 2,337	- 2,337	- 2,337	- 2,337	- 2,337	- 2,337	- 2,337	- 2,337		12,726

CCXX R1 accounts (SS)

16/02/2022

Section B Statement of assets and liabilities at the end of the period	Section B Statement of assets and liabilities at the end of the period	Section B Statement of assets and liabilities at the end of the period
Categories Signed by one or two trustees on behalf of all the trustees B1 Cash funds B2 Other monetary assets B4 Assets retained for the charity’s own use B5 Liabilities B3 Investment assets	Signature None Details Details None Cash in current account at 31.03.2021 Details Details *Total cash funds* (agree balances with receipts and payments account(s)) None Details None	Unrestricted funds Restricted funds to nearest £ to nearest £ 2,363 - - - - - 2,363 - Agreement Error OK Unrestricted funds Restricted funds to nearest £ to nearest £ - - - - - - - - - - - - Fund to which asset belongs Cost (optional) - - - - - Fund to which asset belongs Cost (optional) - - - - - - - - - Fund to which liability relates Amount due (optional) - - - - - Print Name	Endowment funds to nearest £ - - -
			-
			OK
			Endowment funds to nearest £ - - - - - - Current value (optional) - - - - - Current value (optional) - - - - - - - - - When due (optional) Date of approval

CCXX R2 accounts (SS)

16/02/2022