R.F.
MILLER
SE*vTrMO THE COMMUP41TY FOR OVER A NVNDRED YE*ris
Sprfng M(wnt Chrf8tlan F•llow8hlp
For the year eThled
31 D￿ember 21Y24

Sprlng Uount christi￿ Felk>wshlp
Year Ended 31 December 2024
Index
Page No
1to20
TnJ8t￿. Repxt
21
I￿r￿lent Examingrfs Report
Slatement of Finarxlai ActNitYas
23
BaJarKe Sheet

Trustees, Re
for the
ear 01 Janua
2024 to 31 December 2024
Spr￿￿mou￿t.CbuTch
Contents
l. Reference and Admlnlstratlon Detalls
Structure. Govem•nce and Mana8ement
Oblectlves and Actlvltles
5. Achlevements and Perfornmnce
5.1 General Artivlties
S.1.1 Weekly Sunday SeThrfces
5.1.2 Prnyer Meetln8S
5.1.3 Connect and Other Small Groups
5.1.4 Childrer(5 Work
5.1.5 Youth Work
5.1.6 Senlors
5.2 Other Re8ular Events
5 2.1 Men's Ministry
5.2.2 Ladle< Mlnlstry
5.2.3 SpriThd Mount in Stitches
5.2.4 Ad Hoc Events
5.3 Cornmunlty Involvement
5.3.1 Emergency Support
5.3.2 Walney Worshlpplng Communlty
5.3.3 Holiday Acdwty and Food (HAFI
5.3.4. Christians A8ainst Povety ICAPI
5.3.5 Hous1￿ Support
5.3.6 Foodbank
5.4 Buildings
5.4.1 Salthouse Pavillon
5.4.2 Abbey Road
5.5 Media

5.6 External Prdyer and Financial Support
& Rlsk
6.1 Insurance
6.2 Policies
6.3 Safeguarding
6.4 Bulldin8s lindud1￿ Securlty)
6.5 Planned Malntenar
6.6 Flnanclal
7. Flnanclal R¢vlew
7.1 Poll
7.2 Independent Examlnatlon
7.3 Bankers
& Dedaratlon
9. Appendl¥: More informatlon ts provlded on tharftles wlth Unks to Sprln8 Mount referenced In
the main report
sprlngmount.chur

l. Reference and Admlnlstratlon Detslls
Charity Name: Sprfng Mowrt Chrlstlan Fellowshlp (SMCF), known 35 Spring Mount Church
Registered Charlty Number. 1163628
Prfndpal Address:
Salthouse Pavilion,
Roose Road
8arrow-lTrFurness.
Cumbria LA13 9RQ
Onllne:
Websfte:
rin
Facebook:
facebookcom/5pringmount.thurch
Twitter..
twitter.cornlspringmountth
Charlty Trustee5 who Manage the Charlty (known as the Church Leadershlp Team):
TIM 8aalham- Communlcatlons
Alan Docker- Pastoral
Paul Hardlngham - Flnance
Shirley Watets - Secretary. Sunday School
2. Executlv• Summary
2024 was a particularly challengln8 year for Sprtng Mount Church. It started as most others. but it
soon became apparent that there were many challenges ahead. In July, after many years of servlce
Jonny Harrlson stepped down as the full time Pastor, member of the Leadership Team and Trustee
for personal reasons. This resulled In a lot of additional responsibility for the remainin8 leadershlp,
all of whom carry out their roles in a voluntary. rather than pald capacity.
The unexperted chan8e was recognised as an opportunity to take stock and then move forward.
The Leader5hlp embarked on a revaluation of all the ways ol workin& strurtures and vlslon of the
church. It recogn5ses that thls wlll be a long prO￿sS which contin￿$ into 202S and Ixyond. The
Leadership was assisted greatly at this time by the appointment of lain Salter prior to Jonnvs
resignation. lan brin8$ a wealth of experien￿ in many re￿vant matters and calm pragmatism to the
role.
The church has continued to thrive and grow. It has been parttcularly encourdged by the number of
newcomers on a Sunday morning and by how many people have stepped into new roles and taken
on more responsibS11ty. Church contlnued to be blessed by the Increased ethnlc drversity with
people joining from many different countries. These included those movin8 permanently to the area
for workfft people on Short temi contracts but also several refi¥ees and asylum seekers fleeir
persecution in their homelands. It vms a privilege to welcome people from all over the Y￿rI￿ with
God's love, despite there 50metime5 being language dFfficulties.

The focus ond vi50n of the thurth remain5 to be outward looking toward5 the disadvantaged people
in the local communlty. The work of Chrlstlans Agalnst Poverty (CAP) (ref: 9.11 continued and
evolved with the appointment of Sandra Faulds-maristal to CAP tèam. The Green Pastures house
{ref: 9.21 whith was set up sn 2020 gave 5tsblllty and a home for men who may otherwlse have been
homeless. There were a series of very successful Holiday Activities with Food IHAF, Ref.. 9.31 during
which literally hundreds of children and families were helped. fed and entertained.
Because of a shortage In the provI￿on of thur(h volunteers for church run activities on Walney, the
church run activities were either trnnsferred Into Walney Communlty Trust responslbllity (Ref: 9.4).
or to the Salthouse Pavilion.
Throughout the changes, the leadership and the wlder church recogn15e that they are ultlmately
part of a pro￿$5 of change and improvement for the future and believe that God will continue to
show us how to achieve this.
3. Structure, Governance and M¥na8ement
SMCF Is an active church organlsatlon whlch was founded In the earty 20th century. The church wa5
registered with thé Charity Commission as a Charitsble Incorporated Organisation ICIO} in 2015.
Church trustees are appolnted by the church Leadershlp Team. Trnstee term of seNlce 1$ 3 years.
SMCF is staffed primarily by volunteers from wlthin It5 rnembershlp. The trustees retaln overall
management of all Trust affalrs but dele8ate day to day administratlon to volunteer workers for
areas of specffic responslblllty.
Jonny Harrison had been employed full tlme as the church pastor slnce 2018, however, Jonnv
unexpertedly resS8ned the posltlon in July 2024 for personal reasons.
Donna Docker continued her part tlme employment leadlng and co-ordlnatlng the work of Christians
Against Poverty ICAPI (ref: 9.11. While retaining overall responsibility for CAP. Donna started to
transltion to a new role withln the church In November and at the same Ilme Sandra Faulds-marlscal
was en8a8ed on a part tlme basis to traln and work as a CAP Debt Coach. Wes Tudor continues to
be employed as the church's youth worker. The paid part time administrator role trnnsferred from
Rebecca Mcllgorm to Glll Plckup.
In July 2024 laln Salter joined the Leadership Te8m l•lthou8h did not take up a position as a
Trustee). laln is an experienced Christian with approximately 20 years involvemeni at Spring Mount
Church. He brin85 a wealth of both spirftual and practical experience to the team, and has the
benefit of havin8 worked with the Leadership Team while overseein8 the ￿n0VatIon work to the
Pavilion,
The Leadership Team meet fomially at least OTr￿ a month for buslness and prayer. This increased in
frequency following the resignation of Jonny in consideration of the many additional dedslons and
sponsibilitie5 shouldered by the volunteer trustees. The leaders continue to reco8nise a need for
more prayer and therefore a slgnifitant proportion of Leadership Team business meetiry have been
devoted to prayer.
In the latter half of the year, the Leadership Team began a full review of the thurch vlslon and
structure. decislon maknng. policies and support as well as a re￿eW of m05t of its activities and
means of operation. The aim was to confimi the churth VI￿On and that tts activttie5 align with the

vlslon, ensu￿ appropriate leadershlp is in place and is properly 5UPPOrted. responsibilities delegated
proportlonately, and commun1￿tIOnS Improved. Cons•derations have included affiliatlon to lar8er
church organlsatlons. It is reco8nised the review will tske pla￿ over an extended period.
The Leadership Team outlines current plans, activities and concerns durin8 Sunday service5 and
encourdges feedbacL espeaalty via the Connett Groups and the Sunday evenin8 prayer tlme& The
Leadership prayer times are occaslonally open to the wlder churth as a way of seeking and sharin8
vlslon collectively.
Property title is held by the CIO.
Objectlves and Actfvltles
SMCF obJertlves are summarlsed In the SMCF CIO constllutlon as follows:
l. The advancement of the Christian faith for the benefft of the publlc In accordan￿ wlth
the SMCF Statement of Identity lattathed to the Constitutlon ￿ Schedule I'ststement
of Identlty.)
2. Such other purposes ￿ are exdusfvely charltsble In accordan￿ wlth the laws of England
and Wales as the trustees may from tlme to tlme detemlne.
The Constitution Schedule I'ststement of Identitrl, sets out SMCPS concems, prfnclples, belief8
prartlces and membershlp. Assoclated appendices indude the SMCF Mission StatemenL Ststement
of Doctrlne and an accompanyln8 Statement of Privlle8es and Responslbllltles of beln8 Part of a
Local Church. all broadly as publlshed In past Trustees Reports.
The Constltutlon Schedule I summarlses SMCPS prlmary concern as follo
'For thlldren, youn8 people, men and women of all a£es that they may know that salvatlon
throu8h Chrlst can transfom) lives wherever they are INed out Includi￿ home, school, work
and lelsure. To ihat end, SMCF'S ultlmate alms are that they wlll come to falth In Christ by
whatever means arml wlll contlnually Brow as dSscSples of Jesus Christ whether or r￿t they
remaln with Sprfn8 Mount.
L£m&￿(whY SMCF exlstsl Is presented In the COn￿ltUtiOn Schedule l as follows:
Our Mission: 'To reach, teach, grow and send"
Reach others for Chrlst
Teach others about Christ
Grow in Christ
send for Christ
MCVS vlsion (what wlll SMCF look Ilke) is currently as follows:
For three worshlpplng communltte4 all ber￿fitIng from mutual support under the SMCF
umbrella.
For disapleship (individual and corporatel for SMCF members to grow in faith and servlce.
developirE people's gift&

SMCPS strate {how SMCF wlll get there) Is ￿rrentty as follows:
come to churth be the church"
To encourage all regular SMCF worshippers to participate in different activfties and to
serve the needs of the church and wider communlty. To flnd and then fulfil thelr role In
the Body of Chrfst (the church).
Encourage all regularSMCF worshlppers to be wlthln a partnership of two or three people
to pray and mentor each other or be a member of a small 8roup or Connert Group.
Support Was Put in place for the Connect Group tsader>
Develo Salthouse Povllion
Continue the refurt)ishment of the Sahhouse Pavilion lo maximise the potentlal use. To
expand the work of SMCF into thls cornmunlty In Barrow. such that more people may
eXperIen￿ the love of God and be helped Into a falth In ChrlsL 8uilderf work to bring the
ground floor of the Annex into use was tompleted.
L￿Ve10 W k n Waln
To develop the worshiping community on Walney, in conJunctlon wlth other aspects of
churth life already happening in the Walney buildin& to'strengthen the stske<.
Changes to the church work on Walney are OLJtlined later in this report including
transferrinB some responslbilities to Walney Communlty Trust.
ns
The lessors of the Abbey Road buildln8 afvlsed In the later part of the year that they were
not renewinB the lease. Alternatives are bein8 SOU8hL
The priority remains a concern for all people which has helped keep the church's focw on
its core objectives to help and seNe people In the church and wlder communlty. In
partlcular, the church feels that It should concentrate Its work arno￿$t people
experienc1￿ 8reatest need and hardshlp thus followlng the example of Jesus.
SMCF'S vision and strategy are li¥* items whith are expected to develop over tlme. Impetus was
added to th15 proce55 durlng 2024 followlng the resl8natlon of Jonny.
Actlvities undertaken to 5UPPOrt SMCF'5 objectlves are descrfbed In the followSr* sectlon.
5. Achlevements and Performance
The followlng sections gr1￿ a more detsiled report of the activltles of Spring Mount Church and
brief summary of how these link to the 8eneral mission object•ves are highlqhted in red text.
Quotes from adlvlty leaders are in blue text.

5.1 General Actlvhles
5.1.1 Weekl Sunda
Services
The prlnclpal expresslons of the thurch's comrnunlty are the weekly services of worship.
The mornin85 cater for all ages. indud1￿ SurKlay School groups, a youth diurch and a trèehe for
children. The morning services were a rnixture of sung worship. communion and a sermon whlth
usually formed part of a larger semion serles. Tea and coffee We￿ senrfed after the service. Teams
of individuals served in various capacities to ensure the smooth runnin8 of the service and Its
activities. The Leadership Team played a mcKe vlslble part In these momln8 ser4lces during the
second half of the year, especlally durlng the servlry of communion.
The evening service is a le55 formol 5ettin8 wlth an empha515 on corporate prayer. The Leadershlp
Team led the meetings in the second half of the year before askin8 the Prayer Ministry lead to tske
responsibility.
Sprln8 Mount Church belleves In the Irnportan￿ of regular seThlces both for the worshlp of God and
the benefit of the Indlvldual.
5.1.2 Pra
r Meetln
In addltlon to the Sunday evening prayer focus. there was a weekly Tuesday ni8ht prayer meetlng
wlth a focus on Chrlstlan activity outslde Sprlng Mount. including the persecuted church usln8
material from Open tjoors Iref.. 9.8).
Sandra Faulds-mariscal wa5 resPOlls5ble for the "Prayer Team" who met prlor to the momin8 servl
and then minister to those wishin8 to ieceive prayer 5UPPOrt during and after the service. Thls Team
Is carefully chosen, vetted, and trained in how to prdy for people senslttvely and syrnpatheticalty,
always In palrs.
The admlnlstratlon of the Prayer Network allowed prdyer ￿ quests to be circulated rapidly to those
who have committed to pray for issues and situation5 a5 they arise. Th15 was carried out
confldentlally to ensure all GDPR and confldentlallty requlrements were fully met.
5.1.3 Connect and Othersmall Grou
The Leadershlp Team contlnued to encourage partlcipation In a Connect Group as a means of
support. prayer and Bible study. They were held on different days and at different tlmes to coter for
as many people as possible. For example, one of these group5 was aimed to appeal to people In
thelr 20s and 30s, one was held durin8 the day for ladies and another group was estsblished for
young parents. Each group is encouraged to follow on from the Sunday morning semon to provide
continuity and an opportunity to disCU55 the points raised in a safe. small group settlng. It is also a
forum for sharin8 and discussing the vision and opportunities in the church. It is the Leadership
Team's desi￿ to see as many people from within the fellowship 05 P055ible linked to a Connect
Group.

Paul and Allson Hardlngham were glven the re¥JonYbMIty of supportlr* the connect group leaders.
They arran8ed regular meetlw aThl communicatlons as a way of ensuring mutual support and
communlcatlon from the Leadership Team, through the connert groups to the w•der thurch. Thls
was a step in the part of Strengthefii￿ the support Structures within the church.
The 8roup of Flllplno Chrfstlans led by Gerald Ybosa contlnued to meet as a connect group attractlng
large numbers of people from the Flliplno communty. This was brought under the umbrella of
support oftred by Paul and Aliwn lo the other8roup&
The Book Club met on a Frlday knrnoon rernOtetyv￿ Zoorn to revlew a Chrfrtlan book. They read a
chapter ead) week and then undertook an onllne dlscusslon of the Issues ralsed as well as prdyl
tO8ether ond encoura8lbVd one anoltw.
,L4
hll
A toddler group met every Wednesday led by Shlthy Waters and
volunteers. A dlfferent t¢xldlergroup also met on Tuesday arrfl Thursdaj
at Walney. In May 2024 responslbi1Sty for thls was transferred formalty lo
the Walney Community Tru5L Both groups attTact many parents, carer
and thlldren from d5verse back8rounds across the tornmunlty. The
groups provlde safe envlmnments for parents and small chlldren to chat
and ploy. Shlrfey says:
"Every Wednesday mornlw durlng term tlme. we run a toddlei group from 9.3L¥II.CM). The first
hour Is free play for the chlldren with plenty of different toys for them to play with. Durln8 the
morning there are drink5 and biscuits available for all. At about 10.30 the chlldren then get further
snacks, usually comprisln8 of grapes, theese, some sort of crlsp and toast. We then end the tlme
wlth some singing and the children have Instruments to play with, finally endir8 with °sleeping
bunnle< whlch the chlldren love SI￿&1￿.
At Easter, apart from an Easter egg. the thiklren are grrfen a Small twklet on the true Easter Story.
At Christmas they a￿ 8INEn a book on the true meanln8 of Chrlstmas, and when they leave to 80 to
nursery they are glven a Bible for toddlers.
All the chlldren appear to enjoy their lime at toddlers. a5 It 15 sometimes hard to get them to
leavel! I"
Sunday School met every Sunday durln8 the maln mornln8 servke In whlth thlldren from the age of
three to eleven were tsu8ht about storles frorn the Blble in a fun and interestln8 way. It was
encoura8lng to see new people steppln8 Into the roles 0fteathI￿ the thildren. Due to the number
of children thls is or8anised Into dlfferent dasses for different a8e& They perfomied • very
successful Nativity Service in Decernber.

In November 2022 SMCF appointed Wes Tudor a5 a Youth
Worker. He Is employed to work wlth the youth and
coordin*e the work wlth the help of volunteers. Durln8
2024 the youth work grew into new areas and the numbers
of YOU￿ people attending increased. Othervolunteers
fmm wSthln SMCF also hel￿d wlth runnlng varfous y¢xrth
clubs. Wes says:
Is past year we have run several different safe spaces for kids aDd young people to connect and
learn about falth. good morals and what it means to connett wlth each other. We have supplled
connection groups and opportunities such as school lunth dub drop Ins, church dropin5, youth
band, Youth Churth, Youth Bible study. one to one rnentorirvd arKI The Bi8 One Itrlp to Kewilckl
SMYC
We're slovAy rebuildin8 the dubs with a more ChrSstSan ethos and focus. We're a150 bulldin8
relationships with year groups MOVI￿ on (year Il, school leavers and year 6 movin8 UP to
secondary schooll. The young people are learning more about what it means to love one another.
whlch has given them confidence to invite friend5 of friend5 to conie along to these events.
Throughout all these events. we have reached over 120 kids from year group 3 all the way to
year 11. Many of whlth are now becornlng Increaslngly confldenL and askln8 questions to better
understand thelr falth. prayln8 for eath other. prayln8 Wlthln a group setting and readin8 from thelr
Bibleslchufch BItrAes, even memorisir8 scripture. We've had one of Sprfn8 Mounvs youn8 people be
baptlsed and become a great leader and encoura8er towards the other youn8 people. That has
been a hu8e ble55in8 as they are steppin8 Out In theirfalth. lknrall, the klds and youth groups are
increasin8 in numbers attendln& depths of relatlon5hlps wlth each other and understsnding the God
who loves them..
A m(¥nthty for fflore 5enlor folk known •$ SMILE wovlded a lea,
entertslnmenL and devotlonal time. ft attrncted people from the church
and the wlder commvDIty and hel￿ to bulld relatk>nshlps wFth senlor
folk and tsckle the problem of lonellness and Isolatlon wlthin thls a8e
8roup. Thi5 was by volunteers headed up by Durham. Sue 5aVS:
SMILE
e are a 8roup that meetonce a month atSprin8 Mount Church. We are
open to all but usually have more senior people coming. There is a varied
programme followed by a deliaous aftemoon tea.
The programme for 2024 Included tslks by the Rev Cllve Duxbury on his time as a Prison Chaplain,
and an Inte￿$ting talk and photos on the life of Beatrix Potter and a talk and photos of Old Barrow.
The group was a150 entertalned by a Ukulele group. a beautlful flower demonstratlon and Greengate
Junlor Volce Cholr who were lots of fun and even had us joining in some songs. We had two trips
duri￿ 2024, a coach trip to Boundary Mill at Colne, Lancashire and a lovely lunch at Barrow Golf
Club,
Everyone enjoys COMI￿ and meetlng up. chattlng hav5￿ a lovely aftemoon in a wa￿. frlendly,
loving environment."

.2 Oth rRe
ular Events
Men's
A regular men's sodal meetlng continued to provide a social settlng for the
men ofthe church and to bring friend& It provided different cuisine themed
from different parts of the world.
Men'8
Night8
In November approxlmately 25 men attended the two-day Ex￿1 Men's
conference at Life Church In Bradford meetin8 with Christians from across
the country for teachln8 and worshSp. Thls regular event on the church
calendar provlded encouragement and helped build bonds and frlendshlps
amongst the men who attended.
In March Sprlng Mount held Its annual Ladles Thourlsh" conference. It
was led by Helen 8ailie on the theme of "Best to Invesf.
Approximately 120 ladles from across the area and further afield met
together acTOSS a whole day of teachln& wor5hlp. prnyer and mlnlstry.
A serles of regular brSn8 and share meals ex￿U￿VelY for ladles were held throu8hout the year. Thls
provlded an opportunlty for sodallsln& support and to invite frlends into the church.
A ladle< Blble Study contlnued every fortnl8ht for women to pray and read the Blble to8ether.
The sewln8 group called "Sprin8 Mount In Stltcherf met throu8hout 2￿4
allowing ladies to be creatNe and soclallse on a Wednesday nl8ht. It wa5
encouraging that some ladies who had not prevlously attended church
started attendlng the maln seTh[￿ on a Sunday momlng.
5.2.4 Ad Hoc Events
The church held another very successful Internatlonal food arrfl dandng event to celebrate the great
cultural diversity wlthin the church. People brought representative food from their own nationality
and dressed in their national costumes. Chrlstlan muslc from varlous cultures was played and
people enjoyed dancing and celebrating together. thr 15 different natlonalltles were rep￿Sented.
In May. a social event. -Picnic at the W was held during a Sunday aftemoon to ￿lebrate
Pentecost. People brought food and there wa5 a time of worship.
In June and De￿rnber, there were Baptlsm services at which a total of eight people rnade a publlc
declaration of faith in Jes4Js Christ were bapti5ed.
During 2024 there were two wedding5 at the Pavilion. David Manser8h and Suianne Robinson were
married in A￿U$L and John Quayle and Alison Gill marrled In November.
The Pavilion was also hired to external 8roups Indudlng a group of rect)verlng addlcts for regular
meetings. It was also used as a Polli￿ station. The local MP also held their surgery in the buildi￿.
io

All the regular and ad hoc events described in 5.1 and 5.2 Succeeded in reaching and teaching
people about Christ and helped many within the church to grow in their faith and serve their
community.
5.3 Commun
Involvement
5.3.1. Emer
en
In the winter months. Spring Mount provided daily warm spaos
as part of a nalional initiative to help the most vulnerable people
wlth the "cost of liv1￿ crislrf. Both Salthouse Pa￿rIOn and the
Walney bulldln8S ￿tre open for severdl hours per day allowln8
those who wanted to come In and tske advantage of the wannth
as well as a warni welcome.
food hub
Following on from the 5ucce55ful partnership between SMCF. Walney Communlty Trust and the local
councll durlng the Covld Pandem1¢ 8arrow Borou8h Councll contlnued to ask Shlrley Waters to head
up the dlstrlbution of a special hardshlp BranL This allowed for the purchase and dlstrlbutlon of
emergency Items such as whlte goods and furnlture for people In need across the Barrow area. The
people were referred by Social Ser¥i<Ys, the Council and l¢xal schools. Approxim•tely 3(Kl dlfferent
households were helped. They were also 8l¥en ¥oU￿r$ for the Barrow Foodbank and a on&off top
up for their electriuty orgas meters as appiopritte. This councll Inltlatlve was to help some of the
m05t vulnerdble with the Cost￿f-1IvIng crisis. It was atso an opportunity to come alon8side people
and offer longer terni help and adv1￿ by sl8nposlin8 them to our Ilfe skllls and money courses.
Sprlng Mounl continued to admlnlster fvnds for the Lancashlre and South Cumbrla NHS Foundatlon
Trust. The bus travels around to local communttles to promote health and wellbeSnB ([￿lUdIng
mental health).
The councll funded life skllts course Is to equlp people wlth the skllls needed to help them In life. l.e.
Money 8ud8etin8, shoppin8 on a b￿1get and gettI￿a the best deals, cookin8 on a bud8et etc.
It intrudes makin8 meals together from scratth and makin8 heahhy choices. The cooklng weeks
people get to cook on slte together, preparlng the food, chopplng vegetsbles etL and uslng fresh
Ingredients. The meal Is then eaten tO8ether. and the remainder Is l)oxed up for the people to tske
home for more Immediate food for themselves and their family. or to freeze for their future use.
The poverty relief work was fvrther enhan￿d by8rants from Acts435 Irefr. 9.141.
Thls practlcal show of Chrlstlan love In the local communltys tlme of need wa5 a key element of
Sprin8 Mounvs vislon to share Gods love to everyone, especialty the most disadvantaged and in
need. The connectlons made wlth people and the Ilnks made to a8encies and bodies wtthln the
town are a good base frorn which to build further practi￿1 mini5trie5 in the future. We ère
privileged to hove been ￿cOgnised by Barrow Borou8h Council as a partner organisation to
distribute their hardship fvnds.
5.3.2 Walne Worshl I Communl
Walney Cornmunlty TrLtst Iwcn (Refr. 9.4) continues to fom a bKkbone to the local community on
Walney. SMCF had historicalty funded utslity supplies to the Walney buildln& FM)wever, In order to
facilttste WCT access to fundlng for Impn)ved energy efflctenry, SMCF handed responsibllity for the
li

utlllty accounts to wcr. Dlfficuliles In the supply ofthurth volunteers resulted in the popular
church run toddler group being transferred to WCT respon51billty and for s1rnil8r reasons the church
run Monday community meal was trdnsfeTred to the Salthouse Pavilion whkh also was closer to
where most people accessin8 the meal were l1v1￿.
Sprlng Mount Churth cmtlnues to malntsln a poth relatlonshlp wtth the Trust and Its board and
is supportive of the work It carrles out on the Island.
.3.3 Hollda
Activl
and Food
HAF Ref: 9.3
Durln8 all the school holldays Sprfn8 Mount provided free acbW 5esslons for youn8 chIld￿n and
thelr parents and carers. Over I,IKri thlldren were provided with a hot meal and took part in the
crafts and fun actEvltSes provlded. Th15 Was all provlded wFth the support of Barrow Borou8h Councll
as part of the 8overnmenVs SnitlatK* to provide an alternative to free sd)ool meals forthose who
need It dur1￿ the 5th001 holldals. It Is rec(*nlsed that w￿n such provlsion Is no longer avallable to
those most vulnefable chlldren, they often end up go1￿ wlthout a hol meal.
The council 8rants onfy provlded fundln8 for HAF se551ons In the maln school holldays. The thurth
felt that It provlded such a deep communlty need that addltlonal sesslons were wovSded In the
February, May and October halfierns aThJ were funded wholly by the thuvth.
The sesslons ￿tre wovlded ty 0￿r 20 Sprlng Mount volunteers. Shlrley says..
ree tlme5 a year we run chlldren's actfvities funded by HAF- Holiday Artivity and Food. Our
actlvilies are open to chlldren of all ages as we also fund those who do not come under the crfterla
for the HAF grant. At these actlvities we get an average of icmj children per session. together wlth
adults. The activltles are run at Easter, Summer (August) and Wlnter (December). Durlng other
school holldays, May and October, we run craft café, which Is run the same as the HAF activltles but
funded by oursefves.
At all these actlvitles we have a larye bouncy castle (a$￿ult course), a clrcus ladyi who shows the
chlldren many dlfferent skllls, whlch the chIld￿n love tryI￿A to do themselves. We also have craft
tables with many different and varied crafts, and some days we have a vlslt from the Ilbrary who
brln8 various Interactlve actlvltles for the chlldren to play with. Chlldren of all age5 are catered for
as we also have toys for very young children. Child￿n under 12 need to be accompanied by an adult
who is responsible for them. Durin8 the day drinks are provided for everyone, tO8ether wlth plenty
of fruit. includin8 apples bananas and grapes. At lunch tlme we provlde a hot healthy meal,
followed by a puddin8.
The children. and parents. leave thanking us for a B￿at tlme. One 8lrl left a rne￿age saylng "the
best day everf. The children 80 home tlred but very happy, and we have been told that thelr
chlldlthlldren have slept better at nl8ht. Others have stated how much the chlldren look forward to
coming and press their parent/carer if they can come back again. It ts also a sood time for adults to
get out and mix with other adults. which helps thelr mentsl well-beir8."
12

5.3.4 Chrlstlans A
inst Pove
CAP
G4P
btcen
Sprln8 Mount ran a lo(al debt centre leslabllshed In No*mber 2016)
forCAP (ref: 9.11 wilh Donna Docker employed as the centre
manager.
In November. Lk￿na began the move to a different role wiihin the
church, She maSntslned some CAP work In the transltlonal perlod
whllst Sandra Faulds-Mèris(xl undertook trainin8 to become a CAP
Debt Coach. Sandra was employed to carry out 15 hours wott and
her employment started in December.
The CAP en8a8ement model Is thal people un refer to the ser¥ke throw3h the central
admln55tratlon In Bradfonl and then a debt coach contarts them locally. lknr a serles of
appolntments, the coach collects and then sends detalled flnandal Informatlon for assessmenl at
the central 8radford CAP office. The dlent is then presented with the most approprlate optlons to
help them manase thelr finan￿S to 80 debt free.
Througho￿ the process. the coach provldes a sympatirt Chrfstlan noTrJudgementsl approKh and
Ideally a "befrFenderf from wlthln the thurch Is •lso Introduced to prov*de the dient wth an
addltlonal polnt of contsrt and relatlonshlp. The rnultl-award-w1nn1￿ CAP philosophy alms to
provlde people who are often completely burdened by debi and Its a5$0clated problems wlth a
wholistic solution includin8 offerin8 10 pray with dients if they wSsh. Donna says:
"Durin8 2024 we saw 27 new households whilst also working with many e￿$tIn8 dlents
Of these dients. 7 households are now debt free already with a further 11 debt free through
insolvency. Sadly, 3 clients stopped en8a8ir* with us before they were able to complete the proce5S.
Many cllents are worklng well on debi repayment plans, and il was encouragin8 that one dient
flnally went debt free after completing thelr 7-year repayment plan.
Unfortunately, we had several bookln8s last summer that didn't follow throu8h wlth appolntments.
We also had an unusual 2-month period {Au8USt and September) of receivin8 no bookin8s at all
which left October and November without any new clients. Thls turned out to be fortuitous in temis
of extra work that was required for lutureproofin8 and planniD& ts*1￿ on •nother worker in
Sandra, and seein8 several complex cases moved forward to now being debt free.
Happi￿, 7 of the debt free people this yearare recoveri￿8 addicts, who can now 5tèrt afresh debt
Iree as well as drug and alcohol free.
In the last year a total of 20 households went debt free. thls includes 21 adults and 27 chlldren
affected.
In totsl rnw, over the last 9 years we have seen 130 households go debt free, thls Indudes 142
adults and 129 children, which Is 271 people affected posltivetyl
Church 8ivir8 has enabled food and fvel support to be given this year. We have also accessed
£2,5CM) of funding for food and fuel support for our clients as well as white goods and furnilure for
those In need. We contlnue to be able to provide three lots of fuel vouchers from the natlonal fuel
bank for our clients who ￿queSt It and this ha$ greatly beDefitted many of them thls year."
13

The work of CAP formed a key part of the strategy to priorttise the needs of people. especially those
experienclng greatest need arml hardshlp. A significant number of individuals and households have
been helped practically by this work and through that have also found a spiritual home In SMCF and
seen positive, transformational changes to their live5.
5.3.5 Housln
Su
ort
Sprln8 Mounys vlslon Is to provlde safe, afftirdable. qualty hous1￿ for those
most in need.
In 2020 we acquired a two-bedroom property In partnershlp wlth Green
Pastures (ref: 9.21 In the Salthouse area very close to the Pavilion. The
runni￿ and maintenance of It Is the responsibility of Spring Mount.
The house provldes emer8ency and short-term housln8 for two resldents who
agree to acce5S 5UPPOrt available throu8h the church. This indudes volunteerin8 under supervlslon
and accessing a variety of actlvltles.
To consolldate and expand the church's vision for hous1￿ Ittook on a fomial responslblllty In 2022
to manage two addltlonal properties whith continued into 2024. They are owned by twodlfferent
members of the church who share the v151on to provlde for ihose In need of an affordable home.
Sprln8 Mount ctrordlnates the tenants who are people the thurchls dosety a550clated wlth. tt
takes a falr rent and provlde5 a quality home. A lornul a8reement with the property owners
outllnln8 responslblllty for malntenance and relmbursement ha5 been agreed wlth each owner.
The church admlnlstrntor tontlnued to have responslblllty for the management of the paperwork
required for thi5 Ministry. This induded submittinB dairns for houslng benefits and other official
documentatlon for Green Pastures.
It is anticipated these houses will allow people emperiencing short-medium term need for housin8 to
be housed and inte8rated into activities in the church to be supported and helped to put their lives
back on track. They form a key part of the strategy to meet people's practical needs wlthln the
communlty. The Leadership Team continued to explore how to expand this minlstry further in the
future.
5.3.6 Foodbank
SMCF continues lo support the Barr(w Foodbank (refr. 9.5).
5.4 Bulldln s
5.4.1 Salthouse Pavilion
In February 2015 Sprlng Mount
purchased Salthouse Pavilion as a long-
te￿ 501utioD to the lack of spao in
Abbey Road and a5 part of a strate8Y to
grow the church including reachin8 into
a new communlty. After four years of
development the pemianent move into
Ihe bulldin8 took place in 2019.
Spring Mount Salthou¥e
14

Although the bulk of the renovation work has been completed to allow for church servlces and
activitie5 to tske pla￿. there remain 5everdl areas of the bulldlNd whlth stlll requlre de%Elopment
and improvement.
Work was 5tsrted on the downstairs of the annex to provide additional small rooms with
completely Independent entrance. The builderfs work was completed in 2024 and the ground floor
just requires final decoration before coming into full use In 2025. These rooms are desl8ned for
flexlble uses, from a yO￿h roorn to provide more Sunday School Space, to a prayer room or small
meetln8 room. The annex will allow small scale meetlngs or one to one appolntments wlthout the
need to access the whole bulldin8. Thls will be a valuable new faalty.
2Ab
Follows￿ transfer of church activities from the Abi
Road 51te to the Salthou5e Povlllon, the bulldlng has been
let to a natlonal fim of funeftl director& However. the
lessors advlsed In Ihe later part of the year that they were
not renew1￿ the lease, The property remalns a valuabbe
asset and alternatlve uses were sou8ht.
Y/
The webslte was developed and malntalned by Naoml Chad. It provldes
nn
sophlstlcated content to showcase and advertlse the work of the church. All activltle5 are Ilsted
and dexribed tO8ether with links to newsletters, vldeos, and artldes. All ser41￿5 and sermoD5 are
avallable to download or watth vla podca￿. Unks are available to contact the thurch leadershlp
team. There are links io the churth Fa￿boOk. Twltter and In5ta8rnm accounts. An em•ll occount
15 8iven to the leadership team and other key thurch workers to send and recelve thurth related
emall.
The pandemlc led to a rapld shlft towards new ways of connectin8 with churth via online media.
These continued to be offered after physical meetlry became posslble a8aln as a permanent
change of behavlour. The Sunday mornlng seryices were broadcast live via YouTube. Facebook and
then the recorded service could also be accessed via the church webslte afterwards. The recorded
servlce was also dlstrlbuted vla other digital fomiats to those who could not access the seryice vla
online formats. We have found that we have connected vAth people who would not have
otherwise atterded the church physlcalty. A thurch playlist of regular and new worship song5 is
evallable to help people worshlp at home and fdmiliarise themselves with the music sufi8 at church
on a Sunday mornin8. There are now 8roups whlch meet exduslvely onllne whlch glves people
who cannot attend in person the option of still bein8 a part of a 8roup.
.6 External Pra
er and Financial Su
GANDA- Various fund-raising events and Initiadves took pla￿ throughout the year for Blessed
Hill sch(K>l and orphanage in Kampala (Refr. 9.61 including the stheme for people to buy bric*s for
£1 each to help finano a new buildi￿ projert at the school. However. the sltuatlon on the
15

ground changed and the decision wa5 made for church to cease being a channel for donations to
Blessed Hill.
ROMANIA - The usual appeal for shoeboxes (filled with gifts for children) in the run-up to Christmas
Saw approxlmately 150 glven by members of SMCF. In previous years the shoeboxes had been
collected and transported to Romania through Boxes of Hope. Cumbrla. however the charity is no
longer operating. In 2024 the shoebox collection and trnnsportation was conducted personally by
Alan and Hilly Docker in collaboration with Nicu and the Romanian Charity People to People with
whom they have very dose personal ties and were the re(ipients of the shoeboxes from Boxes of
Hope Cumbrla. These shoeboxes were distributed to children In both Romania and Ukraine.
e£85£C￿￿- SMCF continued io support the petsecuted thurch through the charity
'Open tbor5" {ref: 9.8).
SMCF contlnued regular financlal support to Salforfs Lifecentre Church's
Youth Worker project. Thls Is seen as a token of gratltude for Ufe￿ntre,S support to Sprlng
Mount Sn prevlous years and a tsn8ible demonstration of standin8 alon8side è churth with similar
objertlves to Sprln8 Mount IRef: 9.9}.
OTH
R:. SMCF continued to support Capernwiay (local Bible College) (Ref: 9.101 and Dan Randal
workin8 for HOPE To8ether (Refr. 9.111. Dan spent his teena8e year5 at Sprin8 Mount growing in
the Chrlstlan falth.
& Rlsk
.1 Insurance
Insurance has been reviewed. Insuran￿ Includes public and employer's liabllity for all church
actlvltles Includ1￿ the housln8 proJect.
The Mi55in8 Document Insurdnce policy purchased during the acquisition of the Pavilion was for a
onfroff premium and remains in force with no need for renewal.
Landlord's property Insuran￿ has been renewed to cover rlsks assodated wlth lettlng out the Abbey
Road buildin&
The copyright lI￿nseS have been revlewed and renewed.
6.2 Policies
All polldes are maintained and reviewed annually including the followin&
Child Protection Polioi. Spring Mount is a member of Thlrtyone-elght (formally Churches
Chlld Protectlon Advlsory Servlcel. Membershlp of thls enables access to con5ultsncy,
trainin& D8S checks and a 24-hour helpline.
Vulnerable Adults Policy.
Health and Safety Policy.
16

Dats Protection Policy to ensure all dats held and shared complies with General Data
Protertion Regulatlons.
Equality and Diversity Pdicy.
Soaal Media Policy.
63 Safe uardln
Phll and Marfe Last acted as Safeguardlng leads for the thurch to coordlnate safeguardlng pollry and
to act as a point of contact for the reportin8 of any con￿rn5. Tim and 15abela Baalham acted as
Deputy Safe8uardin8 leads to aSYSt in this role.
&4 Bulldln
Indudln
The Health and Safety Flje complled during the Salthouse Pavlllon refurblshment works Is
malntalned as a live file in compliarKe with the Construction IDesi8n and Mana8ementl Regulatlons
2015.
The asbe5t05 survey undertaken in 2015 provides the basis for an on-80in8 a5be5tos re8iSter to
mana8e remalnlng asbestos. No alteratlons have been requlred to Ihe asbestos reglster.
The Pavlllon alamis {flre and Intrnder) are actlvePy managed and malntslned.
Appliances and equlpment lincludln8 fire extlbwulshersl have been ser¥lced and maintalned as
approprlate.
Portable Electrlcal Appliance testing (PAn15 undertaken by SMCF members who have been tralned
to underrake the testln8.
See Sectlon 7 Flnanclal Revlew below for comment on loan IlabllltFes.
7. Flnancial Revlew
7.1 Poll
All regular income is by way of voluntary gifts and donation5.
The Trustees appreciate the government'5 Gift Aid scheme and encourages gifts to be made using
thls means. Glft Aid clalms to HMRC are made OD an annual basls. The return to in-per50n meeting5
followir8 the Covid-19 pandemic restrictions has resulted in an In¢￿aSe of cash gifts and this has in
turn tscllStated a gift aid top tOP-UP Using the 8ovemment'5 Gift Aid on Small Donations 5d￿me
IGASDSI.
Gift income is Used forgeneral running expenses. the salt1￿Use Pavilion refurbishment proiert, and
donations which a￿ made to Christian UK orBanisations who work both locally and abroad, based
on percelved need. In accordan￿ wlth SMCF'S objeclives.
No new loans We￿ taken out during 2024. Repayment of the seCU￿d loan {Methodlst Chapel Aid
Ltd) continued through monthly repayments. all in accordano with the condition5 Of the loan.
17

Donations from KeswSck2Barrow Commtttee are appreciated. £2.2(K) wa5 received from the May
2024 walk which was allocated to SMCVS 50dal artlon actlvllle5.
Grant income was appreciated from grant maklng bodles as follows and used as described
elsewhere In thls report:
Holiday A(tl%ities wlth Food IHAF) Iwestmorland and Furness Council)
Llfe Sk511s and Community HAF Iwestmorland and Furness Coundl)
Warm Hub (Westmorland and Fumess Council)
Wellbein& includi￿8 Christmas Hampers (Westmorland and Fumess Councll)
Poverty Rellef IActs4351
Harrl Bu5 INHS Loncashlre and South Cumbria, WestmoTland and Furness Counclll
SMCF Contlnues to meet all on-80iryd financial cornmitments as a 8oin8 concem.
7.2 Inde
dent Examlnatlon
SMCF'S accounts were subject to Independent Examinatlon. Buildi￿ on experience Bained duriTr8
prevlous examinations {which were first conducted for the year 2(X17 to 2008), a local firm of
Chartered Accountants wSth experience In the charlty sector {R F Miller & Col undertook the
Examination. The Examlnatton was successfully concluded and found the accounts to be compllant
wlth regulatory requlrements.
7.3 Bankers
SMCF contlnues to use Bardays Bank PLC. The local Barclays brnnch dosed In 2024, however,
counter 5ervice5 continue to be accessed vla local Post Offices and the local Barclays po*up desk.
Declaratlon
The trustees declare that ihey have approved the trustees report above.
$18ned for on behalf of the SMCF Trustees:
Si8nature:
Full name..
Tim Baalham
Posltlon:
Trustee
Date:
18

9. Appendlx: Charftles wlth Links to Spring Mount
9.1 Chrlstlans
Inst Pove
CAP
5 a nationally recognised charity stsrted in Bradford in the
19%)s which seeks to help people In poverty by givlng debt adv1￿ to cllents referred to them. It
seeks to address the root causes of poverty and provide prattital finantial advice and help to those
In need. It provides help to all who request St IrrespectSve of thelr falth, however. CAP is a Chrlstlan
charlty whlch seeks to ultimatefy assist with a holistic so1￿10n to a person's problems.
The debt manaBer sets up appointments to meet wilh potential dients and together with a
"befriender" will seek to bulld a trustlns relatlonshlp wlth the dlent. The detslls of the cllent's
finanual situatlon are then passed to experts at CAP centrdl office In Bradford who will identify a
strategy to assist the client to become debt free. On subsequent visits they will pa55 on that plan
and, If the cllent accepts It, CAP will support the cllent in followin8 that new path. The befriender Is
there as an on-80in8 moral 5UPPOrt for the dient throu8hout the whole process to financial
independence. This model has been successfulty used for over 20 years throughout the UK by CAP.
9.2 Green P•sture$ Is a natlonal Chrlstlan sodal enterprlse that provldes homes for the homeless
and those in most need. The successful mcKlel adopted by Green PaStU￿S is that they purchase a
sultable propeity, In consultstlon wlth the partner church and provlde the financial resources
needed. The partner churth then mana8es the day to day running and malntenance of the property,
rentlng It exclustvety to homeless people or those In real need of short tenn accommodatlon. The
church adminlsters the rent collectSon and deals wlth the local authorftles or other a8encles. Thls
Pay5 the lease of ihe property to Green pastu￿5. The tenant is required to en8a8e In activity
through the church each week as part of Ihelr agreement. In the case of SMCF, thls wlll be through
taking CAP courses, volunteerir8 and bein8 mentored. This supeplised activity allow5 the Indlvidual
to get the help they need, turn their lrfe around and find community within the wider church.
9.3 Hollda
Actl¥It￿ wfth Food
HAF
is government InitiatTh￿ started in Ortobef 2021 which aim5
to tackle the problem of social isolation and p￿r nutrition amongst the most vulnerable thildren In
society. The government recognised that children in receipt of free school meals often have no
a¢￿$$ to a hot meal durln8 the sthool holidays as well as bein8 less Ilkety to en8a8e in out of school
social attivities. The HAF pro8ramme provides £2LX) milllon per year in funding to local authorltles
to asslst wlth this by runnin8 clubs and activities through local charities and other providers.
9.4 Walne
Commun
Trnst
has close ties to 5MCF. It is led by Jeff Chadd (also a member
of 5MCF) with the vision of se￿￿n8 the community of Walney. It employs community and youth
workers to provide youth clubs. courses and community activltles throughout the week. Wh115t
Independent organlsations. the WCT links wtth SMCF attivities such that both charities can benefit
from each other. Some of the trustees for the charity are also a part of Spring Mount Churth.
19

9.5B
rrow Foodbank 15 operoted by the local churches to respond to and provide emergency food
parcels to those In desperate need. It fornis part of a national network of food￿￿kS linked to the
Trus5ell Trust.
9.6 Bl
ed Hlll
Ildre
Is a Christian based organisation which run5 an orphanage and
school in Kampala, U8anda. Close ties have been built up and maintained between it and Spring
Mount Church. Regular support is pThided throu8h a £6/month scheme {comMen￿d in 20111 which
provides enough money to feed all the thildren at Blessed Hill every day. The scheme has contlnued
throu8h most of the current year wlth regular glfts to support the schoollorphanage. Fund raislng
eventsfor the Uganda proiects induded a Banlen party atthe home ofAlan and Hilly Dockerln Barrow.
Is a giving Web￿te that allows people to 8lve money dlrectty to others. The charlty runs
through Acts435 Advocates from a ne￿ork of church and local tharltie5. The Advocate p05ts
requests directly onto the Acts435 website for people in thelr commut)lty who are In need. 100% of
what Is donated to the request goes directly to those in need.
n Doors Internatlonal Is an organisation ser¥ln8 and ralsln8 awareness of the persecuted
church across the world. It seeks to help Chri5tlans on the 8n)und in these countries as well as
moblllsin8 the UK church to SUPPDrt and pray for Christian5 under reli8ious persecution. Spring
Mount Church supported thelr regular Snltlatfve5 and encouraged regular prayer meetlngs for them.
Ifecenti
Ilord Is part of Lanwrthy communlty church. a small church plant on an estate
with great soclal challenges. As a church they model a communlty-ba5ed approach and Sprlng Mount
has benefitted 8reatly from their advice and example as we have tried to work in our slmllar
communltles.
9.10 Ca
gU￿wrI is a lible college based near Camforth. SMCF has benefited In prevlous years from
college staff speakln8 at SMCF and from blble course at the colle8e.
.11 HOP
ether seeks to empower the global thurch and local leaders to make Jesus known In
word and acllon.
20

In￿0nd￿t Ex•mln•rf$ Roport
To the Trustees ot
Sprlry Mount Chrlsllan F•llow8h
I raport on the accounts of Spriw Kknunt chri￿lan F81k)￿l￿p forfv year ernled 31 D￿rt)￿r 2024 thch are
sel out on pag88 22 to 23.
The charfty's Iruslees are re¥K￿￿1b18 for the preparati(￿ of ￿ act￿￿$. Tr ¢frorfty'$ Iwsteos COn￿der Ihat
an audit 1$ not requlr&Y for thls Pe￿)d urmler secl#)n 144{2) of the Charities Act 2011 (tro 2011 Acll arKI thai an
irthp9￿19nI examinalSon Is needed.
It is my resrxinsibilty to:_
examine the accounts urKJer sec11￿ 145 of tho 2011 Act:
follow the procedures I￿￿ dcwn in gewal OIreC￿n$ glvon by the Charlty Commis8ion8ryJ ur#l8r ￿tIon
14515}Ibl ol the 2011 Act: aNI
state whether part￿Ular matters have (4)me to my attenti
My examination was carrled in &xx)thnce wilh go￿ra1 Dlre¢lbns gfven by the Charlty Commlsslon. An
exarnination indudes a revitiw of the a¢¢ountirwJ rKords k8Pt ty the charity a￿1 a ￿MparisOn of the accounts
presented wtth those records. It dso includes consKleration ol any urnsual items or disclosures In Ihg accounts,
' aTrJ seeking explanati¢)n8 from you as trustees corwnir4J any such matters. The prc¢8dur8s urKlgrtakon do r￿1
provide all the evldence Ihat woubj t¢ rtyulred In an aLfvIit and c>)nwtsentty no opirion is given as to whether
tr* accounts present a Irue arKI 18lr arKI th8 rewrt18 Ilmit•J to maitals 801 •Xrt in Il* stai&mont
bdow.
The Charfty's gross Income gxceedwj E250,LKIO in tho prthiou$ year. howevertlws has reduced vlthln th8 currgnl
r8pJrttng year. l am qualthed lo urKl8rtake tha ex&n￿natIOn ty beiro a quaIrf￿d membor ol ACCA.
In connoction with my examlnallm. no matter has come to my allention:
(1) glves m reason8t4& cause to bellvrfe that In any ￿1￿1&1 rè8W Iho requlromw)ts
to keep accountiw records In accor￿ 7ATrth Seclion 1W of th8 2011 A¢t', arKI
to prepare acuurrts wl*h acco￿1 *ilh tt* t￿￿ntI￿j recths arKI CximrAy wllh the acciyjntlnu
requlrements of the 2011 Acl
have Th)1 been mot. or
(21 lo which, in my ￿nI)n, atterrtlon be drawn In 0￿er to enab￿ a wopgr uryJer51ar*Jlw of the
aCc￿nts lo be reac1￿d.
Anila Brook
R F Mlller & Co
Ooublelree Court
10A Caventhsh Street
Ufvor5ton
Cumbrla LA12 7AD
21

T(1
T¢•il
51.137
1*7.1t*
141.gx
¥X2
io
AS1
470,1
&Lry
ll.1f4
140
l.wo
3.10$
17.511
11.74?
41
4.1
la7fj1

To
Fmf
f7.ns
IA27
11,437
1.721
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