Redeemer Croydon Trust Report and Accounts year ended 31 December 2024 Westlands Accountants Limited Office Sulte 8, Mcmillan House, 6 Wolfreton Drive, Anlaby, East Yorkshire, HU10 7BY REDEEMER CROYDON TRUST LEGAL & ADMINISTRATIVE DEfAILS FOR THEYEAR ENDED 31 DECEMBER 2024 ADDRESS FOR CORRESPQNDENCE Redeemer Croydon Trust School House Selbourne Road Croydon CRO 5JQ GOVERNING DOCUMENT CIO registered November 2015, amended March 2019 & Aprll 2019 CHARITY REGISTRATION NUMBER 1164555 TRUSTEES RESPONSIBLE FOR MANAGING THE CHARITY Victorla Paxton Ramona Ramsahadeo Jack Popplewell KEY STAFF Mark F055ev Glna Somerton INDEPENDENTEXAMINER stephen D S BakerACA MAAT Westlands Accountants Llmited Offlce Sulte 8 Mcmlllan House 6 Wolfreton Drlve Anlaby East York5hlre HUIO 78Y BANKERS CAF Bank Llmlted The Charity Bank Llmlted INDEX Page I Page 2 Page 3 Page 4 Pages 5 to 6 Appendix Le8al & Admlnistrative Detalls Independent Ex&mlner's Report Recelpts & Payments Account Statement of Assets & Liabilities Notes to the Accounts Trustees report INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF REDEEMER CROYDON TRusr I report to the trustees on my examln?tion of the accounts of Redeemer Croydon Trust I'the charlty'l for the year ended 31 December 2024 on pages 3 tu 7 followSng. Re5ponslbllltie5 and ba51s of report As the trustee5 of the charity you are responslble for the preparation of the accounts In accordance with the requirements of the Charities Act 20111'the 2011 Act'l. I report In respect of my examlnatlon of the charlty's account5 carrled out under sectlon 145 of the 2011 Act 8nd In carrylng out my examination I have followed all the appllcable Dlrections 8iven by the Charlty Comm1551on under section 145lSllbl of the 2011 Act. Independent examiner's stptement I have completed my examination. I confirm that no materlal matters have come to my ettention In connection wlth the examlnatlon 8lvlng me Cause to belleve that In any materlal respect; l. Accounttng records were not kept In accordance wlth 5ectlon 130 of the 2011 Act.. or 2. The accounts do not accord wlth the accoUn￿ng record5, I have no concerns and have come across no other matters In connethon wlth the examlnatton to whlch atten￿on Should be drawn In order to enable a proper understandlng of the accounts to be reached. ephen D S Baker ACA MA4T Westlands Accountants Llmited Offlce Suite 8 Mcmillan House 6 Wolfreton Drive Anlaby East Yorkshire HU1078Y Date: REDEEMER CROYDON TRUST RECEIPTS AND PAYMENT5 ACCOUNT FOR THE YEAR ENOED 31 DECEMBER 2024 Unrestrl¢ted Funds Year Ended 2024 Year Ended 2023 General Funds Designated Funds Restrlcted Funds Note5 Income recelpts Donations and grants Gift ald recelpts Events Interest Other Total recelpts 157,524 25,569 4,395 8,252 468 196,208 157,524 25,569 4,395 8,252 468 196,208 154,302 27,610 1,148 7,192 2,745 192,997 Puyments Rela￿n8 to dlrect ch8rltable actlvlties Grants pald for charltgble acilvlttes undertaken by others Totql recelpt$ 163,311 163,311 167,292 1,980 1,980 2,043 165,291 165,291 169,335 Net of recelptsl (payment51 before tronsfers Transfers between funds Net movement In lunds Cash funds as at last year end Cash funds as 4t thls year end 30,917 30,917 23,662 30,917 30,917 23,662 329,614 16,598 346,212 322,550 360,531 16,598 377,129 346.212 The notes on pages 5 to 6 form part of these accounts. REDEEMER CROYDON TRUST STATEMENT OF ASSEfs AND LIABILITIES FOR THE YEAR ENDED 31 DECEMBER 2024 Unrestrltted Funds Year Ended 2024 Year Ended 2023 General Funds Desl8nated Funds Restrlcted Funds Cè5h funds Cash at bank wlth Immedlate access Notice deposlts Petty cash 148,899 211,619 13 16.598 165,497 211,619 13 170,503 175,696 13 360,531 16.598 377.129 346,212 Fund balèncej Unrestrided General Designated Re5trlcted 360,531 360,531 329,614 16,598 16,598 16,598 377,129 16,598 346,212 360,531 The accounts were approved by the trustees and slgned on thelr behalf date Victorla Paxton REDEEMER CROYDON TRusr NOTES TO THE ACCOUNTS FOR THE YEAR ENDED 31 DECEMBER 2024 l. Accounting pollcle5 The accounts have been prepared on a recelpts and payments basls and compr15e a statement that shows the charlty's recelpts and payments, a statèment that 5ummari5es the charity's assets and liablllttes and ￿lated notes. The accountancy professlon have determlned that only accounts prepa￿d In accordance with appllcable accounting standards present a "true and falr. vlew and, as these receipts and payments accounts have not been land cannot bel prepared in accordgnce wlth accountin8 Standards, these accounts do not present a 'true and falr view" of the Iharlty's flnanclal activities and state of affair5. General fvnd5 are unrestrlcted funds, whlch are avallable for use at the discretion of the trustees In furtherance of the general objectives of the charity. Deslgnated fund5 comprlse unrestrlcted funds that have been set aslde by the trustees for partlcular purposes. Restrlrted funds are dDnations which are to be used wlth speclffc restrlctions Imposed by donors; they Include donatlon5 recelved from appeals for speclflc activltles or proletts, 2. Payments relalln8 to dlrect ch•rltsble a¢tlvltles Year Ended 2024 YEar Ended 2023 General Fund5 Deslgnated Funds Restrlcted Fund5 Employment costs (Note 41 Venue and office hlre Minlstry and staff costs and training Church events Insurance Admlnistration and support servlces Governence and profe551onal fee5 Website and publlclty Youth and hildren s work 107,505 32,273 107,505 32,273 113,583 32,628 6,881 7.245 312 6,881 7,245 312 6,280 1,769 312 273 273 302 7,595 848 379 7,595 848 379 11,079 894 445 163,311 163,311 167,292 3. Grants pald far charltable artivitles undertaken by others Year Ended 2024 General Funds Year Ended 2D23 Deslgnated Funds Restrlcted Funds Organlsations: Servants of the Word Indlvlduals 1.980 1,980 1,980 63 2,043 1,980 1,980 4. Tran5actlons wlth relatsd partles No amounts were pald or are payable to any trustee or to any person connetted to them. The charity Incurred expendSture (see below) Sn respect of the provislon of accommodatlon Iwhlch 15 Customary for minister51 so that they could better perform thelr dutfes. 8reakdown of employment costs,. Year Énded 2024 Ye¥r Ended 2023 Gro55 salarles and employerfs NIC Pension employer costs 65,746 5,375 70,817 7,834 Other employment expenses Iprovlslon of accommodatlonl Payroll costs Total employment costs 35,728 34,243 656 107,505 689 113,583 5. Movement of funds Balance at 31 Dec 2023 Balance at 31 Dec 2024 Recelpts Payments Transfers General funds 329,614 196,208 1165,2911 360,531 Restrlcted fvnds Property 16,598 16.598 Total funds 346,212 196,208 1165,2911 377,129 The property fund relates to funds donated towards the purchase of a church manse. ||||||||| |---|---|---|---|---|---|---|---| ||**Trustees' Annual Report for**||||**the period**||| |**From **|Period start date|||**To**|Period end date||| ||01|Jan|2024||31st|Dec|2024| Section A Reference and administration details **Charity name** Redeemer Croydon Trust **Other names charity is known by Registered charity number (if any)** 1164555 |**Charity's principal address**|School House|School House| |---|---|---| ||Selborne Road|| |||| ||Croydon|| ||**Postcode**|CR0 5JQ| **Names of the charity trustees who manage the charity** |1
2
3|**Trustee name**|**Office (if any)**|**Dates acted if not for**
**whole year**|**Name of person (or body)**
**entitled to appoint trustee (if**
**any)**| |---|---|---|---|---| ||Victoria Paxton|||| ||Ramona
Ramsahadeo|||| ||Jack Popplewell|||| **Names of the trustees for the charity, if any, (for example, any custodian trustees)** **Name Dates acted if not for whole year** ## **Names and addresses of advisers (Optional information)** **Type of adviser Name Address** ## **Name of chief executive or names of senior staff members (Optional information)** Mark Fossey (Lead Pastor) Gina Somerton (Operations Director) **Section B Structure, governance and management** ## **Description of the charity’s trusts** Type of governing document[Redeemer is governed by the Redeemer Croydon Trust Constitution. The ] governing document dates from November 2015. Updates to the constitution were ## (eg. trust deed, constitution) made in April 2019. How the charity is constituted (eg. trust, association, company) Redeemer Croydon Trust is a Charitable Incorporated Organisation. New charity trustees are appointed by the existing charity trustees. In selecting Trustee selection methods individuals for appointment, the charity trustees must have regard to the skills, (eg. appointed by, elected by) knowledge and experience needed for the effective administration of the CIO. Trustees should also hold to the Trust’s Statement of Beliefs and have lives with evidence of Christian profession. The trustees are responsible for preparing the trustees' annual report and the Responsibilities of trustees under financial statements in accordance with applicable law and United Kingdom charity law Accounting Standards (United Kingdom Generally Accepted Accounting Practice). Charity law requires the trustees to prepare financial statements for each financial year which give a true and fair view of the state of the affairs of the charity as at the balance sheet date and of its incoming resources and application of resources, including income and expenditure, for the financial year. In preparing these financial statements, the trustees are required to: 1. select suitable accounting policies and apply them consistently; 2. observe the methods and principles in the Charities SORP; 3. make judgements and estimates that are reasonable and prudent; 4. state whether the applicable accounting standards have been followed, s material departures disclosed and explained in the financial statements; and 5. prepare the financial statements on a going concern basis unless it is in presume that the charity will continue in operation. The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011 and the Charity (Accounts and Reports) Regulations 2008. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities. ## **Additional governance issues (Optional information)** You **may choose** to include additional information, where relevant, about: - policies and procedures adopted for the induction and training of trustees; - the charity’s organisational structure and any wider network with which the charity works; - relationship with any related parties; - trustees’ consideration of major risks and the system and procedures to manage them. Each person appointed trustee gives signed assent to the Christian faith as defined in the doctrinal basis as a condition precedent to his or her appointment. The constitution states that new trustees be given a copy of the constitution, as well as the latest CIO Trustees’ Annual Report and statement of accounts. In addition to this, it is standard practice at Redeemer for new trustees to receive a copy of the minutes of the previous trustee meeting. Redeemer Croydon Trustees oversee the Trust and take responsibility for the management of the Trust’s resources. They ensure that the charity is complying with its governing document and the law, that it is accountable and that it is carrying out its purposes for the public benefit. Accountable to the trustees are the elders who are responsible for spiritual aspects such as teaching and for pastoral care. Redeemer Croydon Trust is a membership church and, upon joining, members are provided with an Introduction to Redeemer membership course, which sets out Redeemers’ vision and values and its governance structure. Members’ meetings are held on a termly basis. Redeemer has been a member of the Evangelical Alliance since 2016 and became a member of the FIEC (Fellowship of Independent Evangelical Churches) in 2020 and the London Gospel Partnership in 2022. There are three main risks identified by the trustees: First, a reduction in giving, should a number of members leave Redeemer at the same time or members fall into financial difficulty. To address this, monthly giving (regular and external) and congregational levels are monitored carefully by the Treasury team, elders and trustees against projected giving. Reserve levels are also maintained in accordance with the reserves policy. Savings levels are reviewed to ensure continuity. A new initiative, Friends of Redeemer, was launched in order to keep previous members, local and international supporters more aware of our activities and allow them means of donations to our causes. A second risk is key personnel leaving or becoming unwell. To mitigate against this, the trustees have discussed an emergency plan should either the Lead Pastor or Operations Director be out of action. In the case of the Lead Pastor, this would involve the eldership and small group leaders taking responsibility for the care of church members. In the case of the Operations Director, the trustees have familiarised themselves with the key operational and financial documentation, and all staff have had access arranged to Redeemer’s administrative platform ChurchSuite. In the circumstances where the Lead Pastor would be more seriously out of action, the eldership would jointly step into the role of the Lead Pastor with Operations Director’s assistance on operational matters and Trustees’ assistance where required until such time as the Lead Pastor is able to resume their position or a new Lead Pastor is appointed. A third risk is security of the venue given that Redeemer does not have its own building in which to meet. In order to address this, the staff team work hard to build relationships and regular communication with those responsible for the venues. This ensures that any issues can be identified and addressed early on. Furthermore, rent hikes are taken into consideration in the budget and there is a contingency line for this. Redeemer has a list of alternative venues available which it can contact should Archbishop Tenison’s no longer be a suitable location. Pandemic/Lockdowns: Regular reviews were made in the past years of the risks related to the COVID pandemic, which were actively monitored for financial and operational impact. In the event of further lockdowns, we are in a much stronger position to ensure continuity of our offering. ## **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)** ||The object of RCT is supporting Redeemer Croydon Church for the public| |---|---| ||benefit and the advancement of the Christian faith in Croydon, and such other| ||parts of the United Kingdom and the world as the charity trustees may from time| ||to time decide.| ||**_Advancement of the faith for the public benefit and the advancement of the_**| ||**_Christian faith in Croydon:_**| ||All these are open to the whole local Croydon community and many are| ||attended online by those in the UK and further afield.| ||Redeemer has a number of Sunday ministries such as the Sunday morning| ||meeting including children’s groups from age 0-teen, and monthly evening
prayer meetings.
It also has several weekday ministries, notably:
•
Seminar Series aimed at different ages and stages of life to better equip
people to foster good habits and encourage each other. In 2024 these
were held for those who are single and married couples.
•
Short term sessions with the lead pastor for incoming new congregants
to act as an orientation and enable social in-person interactions with
others| ||•
Men’s and women’s ministries, such as teaching, training and social| ||activities.| ||•
‘Growth Groups’ who meet together on a weekly basis to study the Bible,| ||including a women’s group meeting twice a month, and a Portuguese-| ||language group.| ||•
Outreach social groups called H.O.P.E groups for example a rapidly-| ||growing men’s football regular night, museum visits etc.| Other events include termly membership meetings, membership courses for new members, prayer triplets, youth group social events, and an annual retreat (last held in May 2024) with an external guest speaker. During the year, a youth volunteering programme was initiated, affording the youth an opportunity to develop skills and teamwork in age-appropriate contexts across the different Sunday volunteering roles. They are able to join a rotational programme allowing them to experience several areas, as well as have adult role models get alongside them. Safeguarding safety stops are in place for this interaction with the congregation and so far the programme has led to two youths permanently joining a volunteer area that they have very much enjoyed. We held widely attended Good Friday, Easter Sunday & Christmas carol services, including a children’s choir, and a Christmas Eve service. We continue with regular and popular ‘Bring & Share’ meals after church several Sundays a year, some of which are designated as ‘World’ meals where attendees bring foods from their countries and cultures, to celebrate our multicultural community and broaden understanding through sharing meals of attendees backgrounds. To further broaden the community spirit, particularly to welcome newcomers, is an initiative called Hospitality Sunday, a ‘match-making’ scheme between people wanting to host Sunday lunch and those wanting to attend as guests. Teaching and training are provided by the church in a number of ways. This includes: - The children’s ministry on a Sunday morning at Redeemer, teaching young people about the Bible - Pastoral work of the staff team in supporting members of Redeemer, in person where possible, online and via many forms of communication. - Adhoc men’s Bible study group - A marriage session in March was held in to support those congregants who are married or considering marriage. - Support provided to the volunteers who lead ‘Growth Groups’, ministries or services, both in the form of training and materials. - Annual safeguarding training for those working with teams, children and vulnerable adults. - Sharing of materials from training organisations such Cornhill, The Proclamation Trust and FIEC. Our Lead Pastor, with considerable experience in preaching, teaching and pastoral care, has brought a high quality of teaching through a number of teaching series on Sundays and in small group/1on1 settings. The lead pastor is supported in the teaching and preaching by a number of experienced church members as well as external qualified teachers and pastors with links to Redeemer Croydon via the FIEC or Evangelical Alliance networks. All guest speakers are well-known to us and vetted. The website and YouTube channel continue to be updated in order to reach out to the local community and to be a resource for Christian material and Biblical teaching. Additional pastoral support is provided for members of the congregation suffering illness, mental illness or significant socio-economic issues. Volunteers also organise meal rotas and housework rotas for those in need for support. A new support group was created to focus on practical aid to the elderly in our congregation. We were delighted to continue the partnership with Operation Forgiveness (OF), run by London City Mission, in a community outreach endeavour, to further their efforts to reduce knife crime by sending volunteers from Redeemer into local schools to talk about the issue in keeping with the mission of OF. ## _**Advancement of the Christian faith in the United Kingdom and the world:**_ Redeemer supports a ministry school in the Gambia via a UK charitable organisation Living Word Ministries (and pre-covid ran annual overseas missionary trips which are expected to resume). The church also has in-house missionaries from a UK organisation, London City Mission, who do outreach in the local schools. Redeemer’s social media and YouTube channel is widely accessed by the congregation, local community, in the UK and overseas. Our online services since then into 2024 saw a number of people join us live from across the UK and overseas. Many of these non-local visitors have continued to use our digital resources. Our social media, which exists for public benefit, has seen increased interaction and we now have over 1000 followers on Instagram. In budgeting for activities for the year, trustees have had regard to the guidance issued by the Charity Commission on public benefit. ## **Additional details of objectives and activities (Optional information)** Over 2024, the contribution from 76 volunteers at Redeemer Croydon played a large contribution to the church. In the reporting period, there were 63 members, You **may choose** to include further many of whom served on teams including: statements, where relevant, about: Sunday School & Youth Group • policy on grantmaking; Welcome Team Set Up Team • policy programme related Music and Sound Teams investment; Recording Team Refreshments Team • contribution made by volunteers. Small Group (‘Growth Group’) Leaders Elderly Care Team Baby Groups Section D Achievements and performance ## _**Supporting the work of Redeemer Croydon**_ Redeemer Croydon Trust looks to ensure that there are a variety of opportunities for community members to meet together and participate in church life. This provision is tailored to meet the needs of a diverse congregation of different ages, cultures and educational backgrounds. We continue to meet at a local secondary school, Archbishop Tenison’s Church of England School and have built good links with them. The children’s Sunday school continues to grow and four groups are offered: Tots (Pre-School, Nursery & babies), Kids (Reception to Y2), Juniors (Y3-6) and Youth Y7+. The children especially enjoyed diverse learning opportunities, special Christmas and Easter activities and parties. Over the summer they are offered a special programme and help is given to all children as they graduate up to the next group. Youth are encouraged to serve on teams in an age-appropriate capacity and help at children’s events. In addition, field trips and other midweek events have been offered to help the teens bond and enjoy a range of activities. Aside from the regular Sunday meetings, growth groups meet weekly, on a monthly basis prayer meetings are held to provide adult members of the church an opportunity for quiet contemplation and prayer. We have been encouraging the congregation to more widely use our ChurchSuite app for broadening their communities and inviting friends and family in Croydon. _**Missionary support**_ Redeemer supports a ministry school in the Gambia and, following a successful visit in 2018 & 2019, Redeemer arranged a further trip in 2020. Regular updates Section D Achievements and performance are shared with the congregation on Sundays and at monthly prayer meetings. We increased links with London City Mission by welcoming a new mission link who partners with local Croydon schools to support them in their pastoral work internally. She provides the congregation with updates periodically. _**Relief for those suffering hardship and physical distress**_ Pastoral and financial support was given to those in a position of disadvantage and hardship, including church attendees suffering with addiction and serious family social issues. Redeemer continues to care particularly for members in need of regular pastoral care. Pastoral staff and volunteers provide support for those suffering social issues, illness and bereavement, as well as larger life events where help is needed practically, emotionally or financially. _**Operations**_ In 2024, we continued to streamline financial and practical operations. Our CRM systems were continually updated for better member and volunteer management, further access was afforded to key members to better manage processes. Gift aid processing was continued within our ChurchSuite platform, as well as management of attendance records and volunteer rotas. Planning for services was additionally increased via the platform which allows for better functioning of services. Policy & procedural updates were made to the Expenses Policy to include a section on Trustee expenses. New policies including Serious Incidents Reporting and one for Complaints and Procedures were published. Emergency procedures at our current venue were also updated and shared. The Safeguarding Policy was reshared to all existing members and also to all new starters on children’s and other relevant teams. We continually evaluate our technological systems, to allow for a better quality in the wider-reaching hybrid in-person and digital operation of the church to reach the community more effectively. We continued the trial to implement live translation to reach attendees with all levels of English and make services more accessible for those who feel more comfortable to follow along in their own language, especially important given the international demographic in Croydon as well as upgrading some minor items to better improve the quality of the digital offering. Consideration is being given to the use of AI platforms for our needs. Health & Safety training was provided for the Tots team for allergies and usage of epipens. The Safeguarding Policy, Children’s Ministry Expectations and the Emergency Procedures Policy for our venue were shared with relevant people. Walkie talkies are used onsite to ensure good communication for needs of the children’s rooms on Sundays. We re-evaluated procedures for children on Sundays to ensure the volunteers were up to date on best practice. ## **Section E Financial review** |**Brief statement of the charity’s**
**policy on reserves**|The Redeemer policy on Reserves states that Redeemer must maintain a
balance which equates to at least three months unrestricted payments.
Reserves are held to ensure availability of an internal source of funds to cover
situations such as:
•
An unanticipated loss or reduction in regular income.
•
Significant cash flow fluctuations.
•
A sudden increase in expenditure.
•
One-off unbudgeted expenses.
The aim is to ensure stability in the operation of Redeemer Croydon, particularly
in respect of the employment of staff engaged to advance the objects of the| |---|---| Trust. The Operating Reserves are not intended to replace a permanent loss of funds or eliminate an ongoing budget gap. Rather they are there to provide time, where necessary, for action to be taken to obtain additional funding and/or reduce further expenditure and revise assumptions in line with affordability. It is the intention of the Redeemer Croydon Trustees that any Reserves utilised should be replenished within a reasonably short period of time. **Details of any funds materially in deficit** N/A ## **Further financial review details (Optional information)** The primary source of giving is voluntary donations from the membership (with recovery of associated Gift Aid). A secondary source is external giving. You **may choose** to include additional information, where relevant about: - The accounts cover all the church's activities including, but not limited to, - • the charity’s principal sources Sunday worship services, staff financial packages, all events and premises of funds (including any rental, charitable donations to mission partners, congregational and external fundraising); income from giving. - how expenditure has supported Savings accounts rates in the growing interest rate environment were re- - the key objectives of the charity; evaluated to ensure the best available rate for the savings and one account was - • investment policy and switched to a higher rate. The purchase of a church manse was continued to be objectives including any ethical considered during this time but postponed again to ensure financial viability and investment policy adopted. going concern in the economic and falling donations climate. It is the desire of the Trust to actively pursue sustainable usage for its funds and continues to include this in discussions. Pensions auto-enrolment requirements were fulfilled with the Pensions Regulator. The level of reserves is monitored regularly and reported to the trustees for review at each of their meetings. At the report year end 2024 the level of the reserves stood at the equivalent of 30 months expenditure. During 2024, total Income was £196,208 (2023: £192,997) and total Expenditure was £165,291 (2023: £169,335), the cash funds at the end of the year were up compared to last year. RCT had 2 employees during this period. No amounts were paid to Trustees or to any person connected to them. ## **Section F Other optional information** At present finances and regular giving look sustainable and Redeemer is a ‘Going concern’, but the trustees will continue to monitor this carefully on a monthly basis. Costs have been prioritised and spending freezes implemented across many areas. Funds will be used to relieve financial hardship as appropriate in keeping with the charity’s objectives. The trustees are of the view that the charity can continue to meet its objectives. ## **Section G Declaration** **The trustees declare that they have approved the trustees’ report above.** **Signed on behalf of the charity’s trustees** > **Signature(s)** _Victoria Paxton_ **Full name(s)** Victoria Paxton **Position (eg Secretary, Chair, etc)** Trustee **Date** 07/04/2025