2024-08-31-accounts

Church Accruals Accounts 2023-24 THE METHODIST CHURCH TEMPLATE REPORT AND ACCOUNTS (ACCRUALS BASIS) for the year ended 31 August 2024 Totley Rise Methodist Church Reghtered Charfty- R•gi•tration numbor{rf applicable) 1163403 sheff￿ld Circuit Circult No 250125 Minlst8r Rev Mik8 Jonos Leadernhlp Team Collette Duke Anne Wiles Lynncapewell Martln H￿e$ IResi8ned May 20241 Phil George Llnda George nda Wareham lappoint*d May 20241 Penny 8orkett (appointed May 20241 Church Troasurgr Churth Treasurer.. - Nick Whthrlh

Totl•y Rise Methodist Church TRUSTEES, ANNUAL REPORT FOR THE YEAR ENDED31 AUGUST2024 Introductlon During the year we have sought to work out the calling of the Methodist Church through a number of activities. The church offer5 a varieiy of worship opportunltie5 to engage with a whole range of people of all ages and abilities. The church continue5 to work out ways to meet the needs of the local community and a particulaT success in the past year has been sharing in the national Warm Space Inltiatlve. Thls has developed Into the Tues(lay mornlng welcomin8 space which provides a place for people to meet together socially and 15 well attended by people of all ages and abilities. The church offers a number of ways for people to engage socially and in Chrlstlan falth development. The Leadership team meets regularly to oversee the life and mission of the churth, and have initiated a time of review in the Ilfe of the church io help focus thè thurches priorities and actlvltles. Membership has declbned over this year and the church hopes to addres5 issues of membership decline as part of the review of it5 life and mission. The church has been impacted by the high cost of liwng and financial giving continues to be encouraged to provlde the Church wlth a regular income. Safeguarding remains ￿ntral for the church and, in accordance with the Methodist Church national policy, our safeguardlng policy has been reviewed and amended in accordingly. Alms and organlsatlon At the heart of the Methodlst Chvrch Is a statement called "Our calllng" whlch states how the whole church seeks to respond to the gospel of Goil's love in Christ and to live out its disciplèshlp In Worship and Mission. This is expressed through= Worship.. Learnln8 and caring; Service- Evangelism. Governan￿ of the church is maintained vla the trustees who form the Church Councll. a number of whom are appointed annually by the Annual General MeetinB C*f all members. Delegated responsibility for day-to-day activitie5 and management is given to the leadership team who In turn are supported by several cornmittee5 and volunteer5. To help effect our aims the church employs a caretaker and family outreach worker who are both line managed in accordance with Methodist Church guidelines.

Totley Rlse Methodist Chur¢h TRUSTEES, ANNUAL REPORT FOR 7HE YEAR ENDED31 AUGUST2024 Revi￿ of the year Income trends Collections were 6.4% more than the Bud8et, while Gift Aid Re¢eipts were 14.06% less than the Budget. Lettin85 Income was 16.45% less than the Budget while Bank Interest Receiv@d was 63.57% more than the Budget, a situation that was brought about by the high levels of Interest rates. Ex ndltureirends Maintenance of Property & Equipment was approxlmately 28.28% le5S than the £6.orxi that had been included in the Budget. Total Expenditure on Utilwtie5 was 1.77% more than had been included In the Budget, with Gas costs bein8 12.9¥ more than the arnount included in the budget being a sl8nificant factor here. Hi8her than anticipated Collettion & Lettings Income and Bank Interest Rècèived, together wlth Equipment & Property Maintenance costs being significantly less than had been anticipated when the budget for the 2023124 year had been put together. all meant that a small surplus was recorded for thè year ended 31st August 2024. compared to the small deficit that had been antlcipated when the budget was prOdU￿d. Fund balances A5 at 31st August 2024 the unrestricted net current a55ets of the Church were £19.896, giving 2 months cover for unrestricted expenditure. Plans for 2024 25 The continued uncertainty surroundin@ future Income levels, both that from Collections & Lettingsi together with uncertainties surrounding fijture Gas & Electricity ¢05ts, has made planning and produclng a realistic budget lor the 2024125 year tnore challenglng than would otherwlse be the case. A Budget howèver was put together, approved by Church Council, which shows a surplus of £1,544.

Totley Rise Methodirt Chuffh Trusteés Annual Report on Flnance and Governance Basls of preparation and le8al framework The Charitls annual report and accounts for the year et)ded 31 Au8USt 2024 have been prèpared in accordance with the Charltles Act 2011 and FRS102 Statement of Recommended Practice Full Name of Church= Totley Rise Methodist Church Registration Charity Number 116403 Date of reglstration 0310912015 Maln communlcation address Treasurer, Totley Rlse Methodist Church, l Grove Road, Ba51ow Road, Sheffield S17 4DJ The members of the Totley Rise Methodlst Church meetin8 are the Charity TNstees, membership belng made up of church office holders, Minister and representatives appointed by the church at the Annual general Meeting. Full Ilst of Church Councll members and key lay employees are shown as Appendix A to this report. Treasurer.. Mr N Whitworth Mr N Whitworth acted as the printipal officer overseeing the day to day financial management and accountlng for the hurch during the year. Independent examlner Motthew Howe FCA, 2120 B￿kIng Lone, Greenhill Sheffield S8 7BP Investment Banker5 Central Finance Board of the Methodist Church Trustees for Methodlst Church purposes

Totley Rise Methodlst Church Risk Mana8ement The major risks have been identlfied and recorded by the Trustees with professional advite taken as required. There is a regular annual review process undertaken alld recorded. Income and Expenditure is being monitored In total and is compared with the approved annual budget on a half yearly basi5 to detect trends as part of the rlsk management process to avoid unforeseen calls on reserves. Safe8u•rdin8 It is the Methodist Church's Intention to volue every human being os part of God's creation and the whole people of God. At the heart of the Methodist community is o deep sense of the ploce of welcome, hospitality ond openness, which demonstrates the noture of God's gmce ond lovefor all. Ourchurch communitie5 ore called to be places where the tmnsformotionol love of God is embodied and lrfe in all its fullness is o gift, which is offered to allpeople. Safeguarding is obout the act￿￿ the Church takes to promote o safer culture. Thi5 meons we will.. promote the welAore of children, young people ond udults work to prevent ubusefrom occurring seek to protert ond respond well to those thot have been obused. We are committed to: the care and nurture of. and respecthjl pastoral ministry W￿h, all children, youn8 people and adults the safeguarding and protection of all children, youn8 people and adults when they are vulnerable the establishing of safe, carlng communities which provide a lovin8 environment where there Is Informed vigilance as to the dangers of abuse. • We will carefully seleLt and train all those with any responsibllity within the Church, in Ilne with Safer Rerruitment principles, including the use of criminal records checks through the Disclosure and Barring SeNice IDBSI. We will respond without delay to every complaint made whlch suggests that a thild. young person or adult may have been harmed, workin8 in partnership wlth the police and social seNice5 in any Investl8ation. We will seek to work with anyone who has suffered abuse, developin8 Wlth them an appropriate ministry of informed pastoral care. We will seek to challenge any abuse of power. especialty by anyone in a posltion of trust. • Working with the Church Safeguarding Officer, we will support risk assessment of those who present a safeguardin8 risk within a church environment. We will ensure appropriate pastoral care is offered and measures are taken to address identified rlsks including referral to statutory agencie5, suspension and the use of safeguarding contracts. In all these principles we will follow legislation, guldance and recognised good practice Reserves Policy The ReseNes Pollcy for the Church is to hold a mlnlmum sum equivalent to three months, average expenditure. This should be sufficient to meet any unforeseen item of major expenditure on the church bL¢ilding and / orto be able to continue, in the short temi. funding planned activities in the event of any Inability to raise the full expenses Including the assessment payable to ihe Clrcuit.

14meofawth Toboy R15eAWKdlstaMwth 1163403 StmEntolFknaMl•l•AIws(SOFA forthe rended31P4USt2024 Total 2023-24 Totsl 2021-23 I￿ornIn$ ReS0￿rte$ Don?d¢rt$ and ￿lI￿e5 -Cd1th5 andiax ¢rtdrf( 77,615 54ZZ 83,037 8,158 71.611 71,611 81,37T Donations SA22 11.426 66,781 . Le8ade5 Chailtable att￿ltseS 4￿19 Fund ral$lnl- Farnltythtreachprolect 4519 3,912 -other5 oihe1tradl￿ attfvitles 15010 17.584 iettlng5 15.040 15,04D 17,584 Inve5trneTrts 2,985 1985 2A47 Dther 143 - Imemal orzan15aiion5 . m￿ellarO￿5 143 Total 1O55Bi 172.244 Sal4tS, NIC&Pen51on c05t5 li 14.S77 27,043 26,307 clituttA55￿rnen1 60,0 fO,OOD 70.614 Maintw3n￿ on Churth ￿pIding(SI and properry T￿eph￿￿ and Travel ut141￿5 Iln5uran¢e, heatand I￿l.w?￿r, etri ExppDdKure on otherprope Depredatlon IntefTralorgantsaiiDns and OoDlon5 2.755 47.103 9,898 L9,1gS 19,195 1&204 12 5,853 5,853 6.224 Oth•rexpenditurE Totsl 2,861 126 3.617 105,241 162,181 N4tltxomellewdlturel TMsleYsbtheenfwNI 9.￿1 54f4)) 3A33 13.434 43,166 56,6W 39,380 Oilw recogthd yifft#l (los￿￿. GainsllLo55e51 on re¥4￿1t10n0f fL%ed assets Galn511Lossesl on In¥e5trneni as5￿$ A￿uar￿1 8alnslllr>ssesl ondeftned beThefftpe￿iOts sthernes 43,166 56,fL 39.380 AtorrtllttioTroffunth: Total funds ￿￿ghtfDThtsrd Tot•1 hndscarrteOfon¥•rd 33,330 79,851 IW3 114.664 7S,184 19.896 685 S8.064 114.661

FDrnShBBt454t31AuwJ# 1014 Unrestrkted De￿￿èted Totats ￿l¥ea1 Ta￿b￿ FIx•dA￿+ts• Land& ￿l￿1r¥ Equipment Imes¢rnentmerties Inve51tnent5 12 12 Debtois and Prepayrnents (￿h èt 8ènkand in hand Twstees f¢rfMeth￿15tchurthPutrySeS dep05ft5 Central Fi￿te 14 5.216 5,283 6216 S283 9,934 S,71S 14 14 1,483 45,936 1.483 941 14 9,2SI 36,685 (Mher 10,79) 3&685 1.483 549JB 11&392 Crqdttorsa4￿￿t￿aIs 1duihyrA￿XtrTI 15 728 piktvJr￿￿asseU(Ila￿Jh1JfrsI Tot&l¢>sstslv55CUrntUoWNtles L9A96 36,685 36,685 1.483 IM,664 114,664 96 1.483 treditornthJe•fterX￿ar Prov￿on$ ltsbilltlp& 3nd (￿r6e5 Family OIR Proj 17 17 36.685 114,664 I￿ndSofthe(￿rth 18 UNe5trKted fuThY5 Re5trSctedfvnds Endovmiertl fvhds 19,896 33,330 79,851 1.4$3 Y14.664 34685 1.483 1,48a ,595 36.685 'DEt?ls. see Ncte 12 ftectipts Pw¢mers t4etRECWPtsI Payment5 lustments ba￿n Internal Or2anlsation5 Tot•J Ot￿ Re¢el otsIPawMnts ConJrwJ&On iseWateshetifneCe5saryandbrird*totslsfc￿ad Tratthfc¢abdRectyptsafftYPaymentstotfreSOFA

Totley R15e Method15t Church Notes to the Accounts l. Basls of xcountln8 The flnanoal statemeDt5 have been prepared underthe CharlllesArt ZOII In accordance￿Th FRS102 Statern@nt of RecoThmended PraLl1￿ ISORPI applkable toth8rflle 2. Funds The fund5 held ¢onstrf(ute.' Gernl Fonds held fof ony purpose Otthe Churthwhich are Unrestrfcted. Restrfttpd fvnd5whh are held for a narrower purpose includlngthose for Internal or8an15atlon& There are a150 the ft>lloMng ETrdoL￿n￿nt funds as listed. t>etall%ofeath materfal Fvnd are dlsc105ed In note 16. Amyfunds mbybe represented b¥ more thanlust cash. 3. A¢¢ountlng pollcSe5 Basls These accounts have been prepared on the basis of hlstodcal cost exceptthat Investmentsare 5howrb atthEir marketvalue at the end oFthe year, on the accrua15 ba515to showatrueand fair￿e￿ of the Church's finanrial PDSition and 4ttNities. Income Income Is Included in the Ststementof Financial Att￿ltIeS ISOFAI whenthe Churd) becomes entIt￿d to the T¢50urces, and the trusteesare reasonablv certain they￿11 receNethe resource5; and the mtynetaryvalue can measured whh 5uffitient relab11￿. Expendlture Thi5 15 fEco4nised when a liability is incurred, or a constrUct￿e obllBatlon arfses. that results Inthe paymenl belng unavrAdable. Llablllties are etO8ftld a5 kx>n as èn ouffiow of economlcbenefitls consldered more Ilkelyth3n not underthe lesal or tonstructfve obngaiion comrnittin8the fjrcuitto payout resourcÈs. Grants Granis made by the Church trom Its own funds èrÈ reeoEnlsed In fvll the tlmeof a8reennt or when the Churth accepts that the￿1$ a le831 or oper*ional 0b1lEèth￿ to make the paymem. When the grant is recurrenr over more than l￿e¥earthe balan￿ payable in future years istreèted as a provIsh￿ for fvtUTerommltments In the Balance Sheet agalnstthe appropriète fund, the prw5ion beingreleased In fvture yeor5as instalments are p8ld in accordance wlth ihe Niglnaltyagfeed temis. VAT Slfi¢eihe Church Is notVAT re&#ered, all Input VAT isthar8ed the expen5esto whkh V( referL Tangib￿ flxed assets for use by the Church These are capitalised If theycarn be used for more than oneyear, and Indmdually cost at least £1,￿0. The freehold property is dlsdosed at the rnost recent Insurance valuatlot) and revalued on a regular basis. Ch8thges on revaluatlon afedlsdosed ID rheSoFA Investment Properties Investment y￿pert￿S- no wopertyis currenttydeemedto not be he￿ forthe l008temi ptsrposes of the charity. Investments Investmentsarevalued in the balance sheet at market value at the year end. Investment Income Islncluded inthe actount5when rece￿able and any 83ins or losses on revaluètlon atthe yearend are Sho￿ in the SOF

Totley Rise Methodist Church 4. Donations and legades Unrestricted Restricted 2024 Total 2023 Totsl Collertions Tax credits Donations Legacies Total 59,576 12,035 6,004 59,576 12,035 11,426 58.327 23,050 66,781 5,422 77.615 5.422 83.037 148,158 2024 Totsl 2023 T￿81 5. Charltable activitie5 Unrestrirted Restrfded Fund raising Other Total 4.519 4,519 3,912 4,519 4,519 3,912 2024 Total 2023 Total 6. Other Irading actlvilies Unrestrfded Re5trirted Rental income Other Total 15,040 15,040 17,584 15,040 15.040 17,584 2024 Total 2023 Total 7. Investment Income Unrestrlrted Restrlcled Central Flnance Board Total 2,985 2,985 2,985 2,985 2,447 2,447 2024 Total 8. Other Unrestrirted Restrirted 2023 Totsl Internal Organisatlons Other 143 Totsl 143

Tolley Rlse Methothd chU￿h 9. P&yment toTrustee5 Thlsyear Lastyear Payments made to trustee5 foraddltlonal se￿ceS provlded to the Church by agreernent wlth the Church Councll Meetln8 Number of trustees who were paid expenses Natu￿ of the expenses If there are no paymentsto Trustees, please record no expenses were pald. Total amount paid lth Fe¢sfor examlnatlon or audTt of the a¢¢¢unts Independent oxaminerfs or audrtors, fee5 for ￿pOrtIngOn the accounts 525 525 Otherfees leg.. advlce. attountancy servlcesl pald tothe independent examlner or auditor 11. P•id employees Staff Costs pald durfngtheyearwere: Gr(FSS wages, salarles and benefits I￿ kind 25,424 24,792 Ernployerfs Natlonal Insurance costs 705 Pension costs 871 810 Total staff costs 27,043 26.307 Al￿age numbw ofstaff emFkneed dur¥wtheye¥rwue:

11111 11 111111 11 11 11111 111111

Totley Rlse Mrthodlst thur¢h 13. In¥estments The fund5 that 5UPPQrt the various funds are held by TMCP in Trustee5 Interest Funds on which interest is redited to the accounts each month. These are regarded as medium and long term Investments. TMCP is the legal owner and Custodlan Trustee of all Methodlst Model Trust property. indudin8 Legacies, Endowments and Accumulated Funds. Trust property is held for and on behaw of local Managing Trustees who are responslble forthe day to day management of trust property- TMCP ensure that, throu8h providing guldance and actlng under their direction, the Managing Trustees comply with charity law and Methodist law and polity as determined by the Methodist Conference. Anatysls of Inveslment movemènts This year Prevyear Ch•nge In Investment ¥alue5 Carrying Imarketl value at beginning of year Add: additions to investments at cost Less.. disposals at carying valu¢ Net gainlllossl on revaluatlon Carrying Imarketl value at end of year

1. Analysls of current as5el$ Thi$ year Last Voar Debtors and prepayments Pre pald assessments 4.583 5,000 Accrued income Other debtors 1,627 4,934 Total debtors and prepa¥M￿tS 6,210 9,934 Analysls of osh at bank Bank balance held in Central Deposit Fund HSBC 45,936 98,260 Bank balance held in HSBC General Fund 5,283 5,715 Bank balance held in HSBC Bèrtevolènt Fund TMCP 1,483 1,483 Petty Cash Total Cash and Bank 52,702 105,458 IS. Analysis of current Ilabilities and short temi credltors Trade Creditors Other Creditors 854 728 Total Current LiabSlltles 854 728

2. Capitsl commStments and tontlnBent Ilabllltles At the 31st August 2024 the Church has no capital commltments. No Contingent Ilabilities were identlfled at 315t August 2024.

3. Anjlysls of current assets Thls year Last year Debtors •nd prepayments Pre pald a55essments 4,583 5,000 Accrued Income Other debtors 1,633 4,934 Total debtors and prepayfflents 6,216 9,934 AnalysSs of osh at bank Bank balance held in Central Deposit Fund HSBC 45,936 98,260 Bank balance held In HSBC General Fund 5.283 5.715 Bank balance held in HSBC Benevolent Fund TMCP 1,483 1,483 Petty Cash Total Cash and Bank 52,702 105.458

4. Analysls of <urrent 11ablll￿es and short terni cr￿ltOrS Trade Creditor5 Other Creditor5 854 728 Total Current Liabilities 854 728
5. Capitsl commilm•nts and contSn8ent liabilitles At the 315t August 2024 the Church has no capital commitments. No Contlngent liabilitles were identified at 31st August 2024.

Totley Rlse Methodlst Chur¢h 17. Loans and Creditors due after one year Loans St)urce Amount brought forward New ljorrowlngs Loan interest Repayable in the year Balance at year end Repaymeni due Due within 12 months Totals Due after more than 12 months Total Pur se of loans Credbtors due after one year Name of credltor Amount on 31 Au8-2024 Amounton 31 Au8-2023 Total

Rlse Methcdst Church 18. Detalled analysls ol Indlvldual fund movements Unrestwkted Funds Fund Name Openin# lan¢e Income Expendlture Transfers Revaluatlon alnsllosses Closing Balance Totals Restrlcted Funds Fund N•m• Opening Balance 15,234 Income Expendlture Transf¢rs Prlorye adlustment Closlng Balance Farn.O/R Prolett Bread4Llfe Project Focus Special Needs Svces RNerbank Project Jean Ibbotson LegaLV Warm Space5 Community Fund Quiet Garden Projects Mlssion Building Mutual 81e55ing Outdoor Church Pt Sup Grp lex pan) Pushchair Club M8 Sound and Vlslon 4,519 112.4661 7.287 1.479 54.057 5.000 378 3(M) 134 2,760 245 243 3,000 1561 141,6891 1,666 15,368 378 1.199 174 I,iio 245 120 22 171 3.943 36,685 899 1,050 11,oioi 11,6501 120 91 171 1691 iio 9.941 3.833 3,833 Tota15 79.851 156.9401 Endovrn*nt Funds Re5trkted Fund Name Openln8 Balance 1,483 Incorne Expendlture Transfers ReTAluation 8alnsl1L￿es Closlng Balance TMCP deposits 1,483 Totals 1,483 Fund Family Outreach proiÈtt was fundralsin8 for the hire of a ChIld￿n5 and Famlly Worker. who Is stlll employed by the church after 5 year5 and the fund is still artfvely receivin8 donations The Bread for Llfe Prolert Is an on80in8 Outreach to a local housing project where our church member5 go onte week and teach bread making and soup making to the residents In a block of flats A couple in the church run a Fo¢u$ 5ebylce5 for people with Leamin8 Disabllltles. A Number of donation5 have been received overthe ￿ar$ towards our projects to ¢￿ate and develop our Qulet Garden- thls Is an ongoin8 projett and Ss open to the loc31 community for rest and relaxation. The Rlverbank ProJe¢t wès undertaken to preserve the river bank adjacentto the church to ward off erosSon Sssues. MB Sound and Vlslon Is a project to improve t￿e existing sound sy5tÈm. The Mlsslon Bullthn¥ fvnd was sèt up to review redeveloprnent options for the consideration of the ehurth.

Totley Rtst Mèthodist Church 19. Related party transartions Th1$ ear Name of related party Relatlonshlp Des¢rlptson of transactlon Incon￿ from relatèd party durfn8the Payments to rèlatèd party durinB the year Loans to I lfroml related party durlns Ihe year Amounts owed by I Itol related party as on JI-A￿2024 JMA Methodlst Churth Fund Mlssion in Brftsin Fund Home5 for the 650 300 200 Fund lor Propèrty World Mission Fund 635 Totsl 61.785 Last gar Name of related party Relatlonshlp Oexrlptlon oftransaction Incorne from related party during the Paymentsto r@lated partv durlngthe LoablSto/ (from) relattd party durln8 Amounts owed byl Itol related parry as on 31-Aug-2023 JMA Methodist Church Fund Mission in Britsin Fund Homes fgr the 70,614 550 200 loo Fund for Pro World Mission Fund 1.231 Total 72￿95

Totley Rise Methodlst(hurth AppendixA CHURCH COUNCIL MEMBERSHIP & KEY LAY WORKERS MINISTERISI Rev Mlkejones LAY EMPLOYEES Rachel Wllson Dean Duke Chlldren & Famlly Worker Church Caretsker LEADERSHIP TEAM (prèviously CHURCN STEWARDS) Collette Duke Lynn Capewell Martin Hughes Phll Georye Linda Geor8e Anne Wiles Llnda Wareham Penny Borkett CHURCH TREfySURER Nlck Whitworth CHURCH SAFEGUARDING CO-ORDINATOR Gill Kaye CHURCH REPRESENTATIVES OTHER MEMBERS OFTHE CHURCH COUNCIL Llnda George Isecietaryl l John Freeman 2 Glll Kaye 3 Lynne Capewell 4 John Lashmar 5 Barbara Harvev 6 Linda Wareham 7 Viv Thomas 8 Anne wi￿5 9 Gwllym Pry 10 Paul Thoma5 11 Phll George 12 Penny Borkett 13 Martln H￿he$ 14 R￿a Hunter IS Paul Savage

DECLARATIONS Nld¢ Swthr• of** CAYtrrfl Chureh

Totley Rise Methodlst Church Basls of Independent ExamlnoV$ Report My examination VAS carried oth in acLordance with th¢ g&n&r41 Dirsetions given by the Charity Crynmission. An axaminaion includes a review ofthe accountirvJ ttrcords k8pt by the charity and a eomp8rison ofthe accounts presented wth thosè rècords. It Also indu(Jes cL)nshleration of any unusual it￿$ or disd05ure5 in the accounts, 8nd seeking explanations from you as Trustees concoming any such matters. The procedurgs uThJ6rtak8n do not provHJo all the evidence that WOU￿ t¢ rgqui18d in an aLJit and consequenuy no opinion is given as to whether thg accounts present a Yrue and fair W and the rewrt Is llmlt&J to those matters $8t cxrt in tho st8m8nt b810w. Independent Examinor's Statement In connection with my examination, no matter has Kjme lo my attention: wh￿h gives me reasonable cause to belyave thal in any material respeca the requirements.. . to kgep aGwunting reconls in accordance with Section 130 of the Chgrilies Aet 2011. . lo prepare accounts which xcord with the accounting recoids and ccffipty with the a￿Unting requirements of the Charities Act have rtrjt been met,. or (21 lo which, in my opinion. attention shoukd be drawn in order to enable £ proper understanding of the accounts to be rgached. Name Mattha¥ H¢)we, BA FCA Signature Relevant Profeswonal qualifulion or b FCA Address 212a Bocking Lane, Greenhill, Sheffield S8 7BP Date