OpenCharities

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

2021-12-31-accounts

St. Anne’s Church Bagshot For the community, in the community, inspired by Christ

January - December 2021 Report and Accounts for the THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST ANNE, BAGSHOT, SURREY.

Registered Charity Number 1171379.

Contents Contents Contents
1. Aim and Purposes........................................................................................................................ 3
2. Objectives and Activities............................................................................................................. 3
3. Achievements and Performance (including reports by various groups)................................ 3
3.1. Safeguarding............................................................................................................................ 3
3.2. Churchwardens report on the fabric of the Church and Centre Complex ............................... 4
3.3. Changes to Parish Staff ........................................................................................................... 5
3.4. Electoral Roll Report ............................................................................................................... 5
3.5. Worship, Prayer and Fellowship ............................................................................................. 6
3.6. Children and Family Ministry ................................................................................................. 6
3.7. Pastoral Care ........................................................................................................................... 7
3.8. Ecumenical Relationships ....................................................................................................... 7
3.9. Charitable Giving .................................................................................................................... 8
3.10. Choir Report ........................................................................................................................ 8
3.11. Bells and Bell Tower Report ............................................................................................... 8
3.12. St. Anne's Ladies Group ...................................................................................................... 8
3.13. St Anne's Church Visiting Team ......................................................................................... 9
3.14. Marriage Preparation ........................................................................................................... 9
3.15. Small Groups ....................................................................................................................... 9
3.16. Surrey Heath Deanery Synod .............................................................................................. 9
3.17. Eco Church ........................................................................................................................ 10
3.18. Volunteers .......................................................................................................................... 10
4. Financial Review........................................................................................................................ 11
5. Structure, governance and management................................................................................. 24
6. Administrative information...................................................................................................... 25
7. Appendix A – Vicar’s Report.................................................................................................... 26

2 |

1. Aim and Purposes

St Anne's Parochial Church Council (PCC) is responsible for co-operating with the incumbent, the Revd Andreas Sistig, in promoting in the ecclesiastical parish, the whole mission of the Church, pastoral, evangelistic, social and ecumenical. The PCC is also specifically responsible for the maintenance of the Church and Church Centre complex of St Anne, as well as St Anne’s Parish Hall, all situated in Church Road, Bagshot.

2. Objectives and Activities

The PCC is committed to enabling as many people as possible to worship at our church and to become part of our parish community at St Anne’s. The PCC maintains an overview of worship throughout the parish and makes suggestions on how our services can involve the many groups that live within our parish. Our services and worship put faith into practice through prayer and scripture, music and sacrament.

When planning our activities for the year, we have considered the Commission's guidance on public benefit and, in particular, the supplementary guidance on charities for the advancement of religion. In particular, we try to enable ordinary people to live out their faith as part of our parish community through:

To facilitate this work, it is important that we maintain the fabric of the Church of St Anne and the Church Centre Complex.

3. Achievements and Performance (including reports by various groups)

3.1.Safeguarding

As in previous years, the PCC has complied with the duty to have “due regard” to the House of Bishops’ Safeguarding Policy and Practice Guidance.

All PCC members, along with the incumbent, have a duty of care to ensure the protection of children and vulnerable adults in the church community. As charity trustees, PCC members are legally accountable for ensuring good safeguarding practice in the parish and that safeguarding is a governance priority. To ensure that this has been achieved to date, the PCC reviewed and adopted the House of Bishops Policy Statement which outlines the Church of England commitment to safeguarding and underpins all policy and practice guidance. We also have a rolling ‘safeguarding’ agenda item in our PCC meetings during which the designated safeguarding leads to the PCC (Neil Lyddiatt and Andreas Sistig) regularly update the PCC on all safeguarding relevant issues and whether any reports have been filed with the Diocesan safeguarding Advisor DSA in the last few weeks.

Our annual Parish Safeguarding Self Audit was completed in November 2021 and sent to the diocese. In addition, we maintain our safeguarding work through the newly introduced ‘Safeguarding Dashboard’ which the diocese has rolled out. The below action was prepared by the Safeguarding Team and adopted by the PCC. In particular, the 2021 audit has highlighted the following actions to be undertaken:

3 |

Due to the pandemic, most regular face to face safeguarding training did not take place. However, in-house supervision for those activities that were able to continue even during the pandemic (e.g., pastoral telephone calling) has continued to take place according to the Safeguarding Handbook. Training needs will be assessed in the first half of 2022 and all necessary training will be implemented.

As in previous years all safeguarding reports were speedily and rigorously dealt with at St Anne's in accordance with diocesan requirements and, where appropriate we have continued to update safeguarding/training and supervision information on file (electronic as well as paper based) – our ChurchDesk management system has continued to be a great help in keeping all records up to date.

(Helen Perry, Neil Lyddiatt, Andreas Sistig)

3.2. Churchwardens report on the fabric of the Church and Centre Complex

The work of upkeep and maintenance of the church fabric has continued throughout the year.

Routine testing of the lightning conductor has been carried out as has servicing of the fire and intruder alarms. The intruder alarm required some work to replace failed units during the year. Portable electrical appliances have been PAT tested. The organ has been regularly tuned and maintained. Fire extinguishers have been serviced and replaced where necessary. The Church boiler has been serviced and the Parish Centre boiler has been replaced along with some modifications to the system. Weekly tests of the fire alarms and inspections of the fire extinguishers have been carried out as frequently as practical within the restrictions as has routine testing of the carbon monoxide sensors in the kitchen and boiler house.

Gordon Hunt our Health and Safety Officer has continued to oversee all things H&S related.

Some further emergency lights in the parish centre failed their six-monthly test and have been replaced. Most have now been replaced and the opportunity has been taken to convert these to LED units.

We received the Quinquennial inspection report early in the year. Most of the items needing attention mentioned in the report have been attended to. The repair to the vestry flat roof has been completed. A survey of the stained glass and leaded lights has been carried out and work on repairs will start next year.

4 |

Some additional appliances have been installed in the kitchen to enable the Church and the Miriam Grace organisation to work better alongside each other. We are still exploring ways for us to work together more effectively.

We continued to monitor seating in the church and apply the relevant Covid-19 regulations and advice.

The Inventory, Terrier and Log have been maintained throughout the year.

The wardens would like to express their gratitude to the many volunteers who helped in so many ways with the maintenance and running of the Church. Those who assisted during the services as sidesmen, readers, servers, crucifers, organists, helpers in the junior church and bell ringers, those who helped at the afternoon and evening services on a Sunday, the flower arrangers and the coffee makers, the sacristans and the church cleaners, those who worked in the office and those who arranged transport for members of the congregation, all still performed their tasks where possible albeit some had to adapt to different modes of working. We thank those who kept the grounds so welltended, those who cleaned the church and the brass and those who supervised work in the kitchen. Those who quietly got on and did jobs behind the scenes. Not everyone was able to do as much as they would have liked because of the restriction imposed by the emergency regulations but all stood ready when they were needed. In fact, thank you to you all for making this such a happy church community as we mastered new ways to make the life of the church continue to thrive.

(Sue Hunt & Derrick Fenn)

3.3.Changes to Parish Staff

2021 has seen two major changes in our parish staff. Kester Oliveira, our Licensed Lay Minister (Reader) was accepted by the Bishops Advisory Panel (BAP) to train as a selfsupporting minister (SSM) and has begun his ordination training via Sarum college in Salisbury. Furthermore, we were delighted to welcome our curate the Revd Ellen Turtle to her new position as Associate Vicar. Ellen was formally licensed by archdeacon Paul Davies on Wednesday 30 June.

(Andreas Sistig)

3.4.Electoral Roll Report

Last year we had 102 people on the Electoral Roll. This year the figure has risen to 108, with 77 being resident in Bagshot and 31 living outside the parish. (Lynne Cowley, Electoral Roll Officer)

5 |

3.5.Worship, Prayer and Fellowship

Worship and prayer during this last year have continued in a similar style to the first year of the pandemic. We closed our buildings to public worship just before Christmas 2020 and instead broadcasted our Sunday services live via Zoom, followed by coffee over Zoom. Daily Morning and Evening Prayer as well as a weekly confirmation class and the occasional quiz were also done via Zoom. From Easter onwards we were fortunate to be able to allow people to come into the building for public worship. As the year went by, we gradually introduced the Wednesday 10am Holy Communion as well as some carefully risk-assessed fellowship events (initially outside only). In summary, 2021 saw 23 baptisms, 4 weddings, 6 funerals in church, 7 funerals in local crematoria or cemeteries and 5 confirmations.

(Andreas Sistig)

3.6.Children and Family Ministry

2021 began with us once again in lockdown, worshipping via Zoom, and having to postpone yet further some of the plans we had made for our children, youth and families. Indeed, much of the year had a rather tentative quality to it as we could never be sure whether or not any event would actually be able to happen as planned! However, throughout the year we managed to take many small steps back towards a more normal pattern of gathering for both worship and other events.

One of the first things we introduced, in May, was ‘Bagshot Babies’, a group primarily aimed at enabling new mums to meet (with their little ones), as we were very aware that having a baby in lockdown was a very isolating, and sometimes traumatic event for many parents and especially mums who couldn’t access the usual post-birth support networks. We limited the group to mums with babies that were not yet crawling, so that we could maintain social distance – not something that toddlers are known for – with the hope that by the time the babies were crawling, restrictions would be eased. Whilst this group remained small, it enabled some much-needed social connection for those who attended, some of whom had not had any other form of social support/interaction since their baby arrived.

Pixies playgroup effectively needed to relaunch, as many of our previous attendees had grown up and begun school or pre-school. However, thanks to some keen new team members, and to the network established through Bagshot Babies, we were able to successfully relaunch in November with a slightly revised format, which allowed for a slightly longer session and incorporated some simple singing at the end. Before long we were attracting a regular ‘core’ of new families, despite the challenges of chatting with masks and without refreshments. I’m hugely grateful to those who have made this such a welcoming environment for new parents and carers.

Our worship provision for families continued to be somewhat limited by the restrictions of Covid-19, as what most of our families really wanted was in-person worship. Following the success of the Christingle service in 2020 we decided to keep holding family services in the church, where we could more easily socially distance. Over the course of the year, we began with occasional services for special occasions (e.g. Good Friday/Easter, Trinity) and slowly reintroduced various elements like singing, communal activities, and

6 |

refreshments, as restrictions allowed. By the end of the year, we had begun a regular pattern of holding services - renamed ‘Family@four’ – on the 2nd and 4th Sundays of each month and were delighted to welcome both returning and new families as well as some adults who enjoy a different style of worship.

Whilst our Sunday afternoon worship was able to re-launch in 2021, the waves of Covid19 variants meant that our plans to resume Junior Church were repeatedly postponed, as we didn’t feel able to provide a Covid-19-safe environment. However, our intention is that Junior Church will resume in 2022, initially on the 1st/3rd/5th Sundays of each month. That will mean that, between Junior Church and Family@four, there is worship provision which is more easily accessible for families and children on each Sunday in the month.

Alongside regular events and worship, we also held a BBQ for families in the summer. This was to enable us to re-connect after the lockdowns, and to form new connections with and between church families, baptism families, and baby group/Pixies families. This was a very enjoyable occasion, and we look forward to being able to meet and eat together more regularly in 2022, and continuing to build up our relationships with families, youth and children though fellowship and worship. (Ellen Turtle)

Friday Night Youth Club (FNYC) continued to be suspended due to the pandemic for the entire period of 2021 - the school were not allowing non-school clubs back on the premises, as part of their Covid-19 measures. We are very much hoping to restart the club. However, the school have since served notice, as they will only have school-related clubs on the premises moving forward. Although disappointing for us as FNYC, we obviously respect their decision, and we have recently moved the equipment to the church. We are looking at what we might be able to run at the church centre, and if anyone is interested in helping with this, please speak with either Carolyn or Andreas, or email fnyc@saintannebagshot.org.uk, many thanks! (Carolyn Nahajski)

3.7.Pastoral Care

Pastoral care in 2021 has been somewhat easier than the previous year. For most of the year our pastoral visiting team and Ministry Team were able to continue personal pastoral contact with our elderly, frail or lonely parishioners. In addition, we continued to be in touch with one another over the phone or via Zoom.

Andreas continued to visit people in hospital as part of his ministry with the Frimley Park hospital chaplaincy. Jennifer who is the lead Chaplain at the hospital has also been able to visit members of the church and wider community regularly when they were inpatients during the pandemic. This has been especially helpful during the periods when general visiting was suspended. Likewise, Ann Bonella who has continued to visit both Sunrise and the Neuro-rehab centre when Covid-19 restrictions permitted. (Andreas Sistig)

3.8.Ecumenical Relationships

Our ecumenical relationships remain strong despite the fact that no organised activities with other churches or faith groups were able to take place in 2021.

7 |

(Andreas Sistig)

3.9.Charitable Giving

In 2021, St Anne’s supported the Besom food bank. Our Christingle collection went to the Children’s Society. Furthermore, we supported Water for Life, Frimley Park chaplaincy department with holding crosses, and financially assisted 6 Afghan refugee families with some settling-in support. The proceeds of our one card scheme at Christmas were split between Connect Counselling Service and the Toilet Twinning scheme.

In addition to making financial contributions, St Anne’s is one of 18 local churches who are linked with The Besom in Camberley to provide food and other items to local families and individuals who are going through a time of difficulty and lack of money. Our Harvest donations (of non-perishable food) and those from Connaught and Bagshot Schools were passed to Besom and several bags of ‘festive food’ were sent including wonderful Christmas hampers. (Andreas Sistig)

3.10. Choir Report

With the easing of Covid-19 restrictions the choir were able to resume regular singing for Sunday services during 2021.

For the carol service the choir sang two contrasting pieces There is No Rose of Such Virtue and See to Us a Child is Born, with a capella trio Shepherds Awaken From Your Sleep. We also enjoyed solos from Jonathan Turtle and Arun Silva, with Jonathan Holl as organist.

With the purchase of new RSCM carol books for three-part choir, we now have a great variety of carols to choose from to suit our choir's format for future Christmas services. (Alexandra Moore)

3.11. Bells and Bell Tower Report

As in 2020, Covid-19 restrictions limited the ability of our bell ringers to ring for services or to practise. However, whenever government and church guidelines allowed, we made use of the bells (within those guidelines) initially resulting in just one bell being rung until, gradually, the guidelines allowed for four and then more people to be in the tower, eventually enabling the full complement of eight bells to be rung for Sunday services. Practices, and the few weddings for which bells were requested, have been assisted by experienced ringers from neighbouring towers. Despite the restrictions, it is good to report that new people have joined us to learn the art of bellringing. (David Perry)

3.12. St. Anne's Ladies Group

The Ladies’ Group Committee kept in touch throughout various lockdowns when inperson meetings were not possible. This enabled a programme to be put together for future events when restrictions on groups meeting are eventually removed. (Janet Wainscott, Ladies’ Group Secretary)

8 |

3.13. St Anne's Church Visiting Team

The Parish Visiting Team were unable to visit vulnerable parishioners in their homes in the early part of 2021 because of Covid-19 restrictions. However, the team continued to speak regularly by phone to the people they would normally visit in person. Visitors were unable to visit inside care homes for much of the year, and unable to visit the sick in hospital. Normal home visits began to resume in the latter part of 2021. (Helen Perry)

3.14. Marriage Preparation

There was no Marriage Preparation Day in 2021 because of Covid-19 restrictions. The Marriage Preparation course “Prepare Enrich” did take place with individual couples prior to their weddings later in the year. The Prepare Enrich programme was led on each occasion by two trained members of the Marriage Preparation team. (Helen Perry)

3.15. Small Groups

The Bible study group has continued to meet twice a month on zoom throughout the year. David Holt has led us through sessions on the book of Revelation and the Prophet Jeremiah and we are very grateful to him for the hard work he put into the preparation and the notes he gave us to go with the courses.

Interspersed with David’s studies we have followed some of the online material available from the “Bible Project”.

We are always open to new members joining us. If you would like to know more, please contact June Pugh or Derrick Fenn. (Derrick Fenn)

3.16. Surrey Heath Deanery Synod

After a delay in meeting due to Covid-19 and having a couple of online sessions, Deanery Synod is up and running again now that life is gradually returning to normal. St Anne’s Deanery Synod Representatives are Lynne Cowley and Diane Wild.

In September the Vicar of Heatherside moved onto pastures new, leaving a clergy vacancy. St Mary’s Camberley held a Confirmation Service in November, the first since the start of Covid-19.

The main topic for discussion has been how to pool resources to save both time and money for each parish in the deanery. At present this is done by a shared Marriage Preparation Day and clergy are looking at other ways to collaborate. Suggestions for areas to consider are children and youth work, running joint training courses and working towards 2030 and the net zero target. Parishes are being encouraged to work collaboratively wherever possible.

(Bagshot Representatives: Lynne Cowley, Diane Wild)

9 |

3.17. Eco Church

After a slow start in 2020 hampered by the Covid-19 pandemic we made good progress with Eco church in 2021.

We extended the allotment to 2 beds and continue to experiment with growing vegetables and strawberries - with mixed success. It has been encouraging to see older members of the congregation passing on tips and advice.

We created a bug hotel, purchased a good-sized bird feeder and took the decision to see if we could introduce a beehive.

We are making progress on the A Rocha Eco award being silver in most categories, but we need to push on with community engagement which is the most challenging area. To assist this, we introduced pill pack recycling which has been very successful and for 2022 we will look at streamlining the whole recycling arena.

Our 2021 Christmas card scheme raised money for a local counselling charity but also for a toilet twinning scheme to encourage our commitment to global eco issues. (Kate Dyerson)

3.18. Volunteers

As in previous years, the vicar and churchwardens would like to express their gratitude to the many volunteers who help in so many ways with the social and liturgical life of the church as well as with the maintenance and general running of St Anne’s.

2021 being the second year of the global pandemic has seen many of us having to continue to adapt and be flexible in the way we work and support the work of St Anne's. We are so grateful for the way in which many people have managed to embrace remote and online engagement instead of hands on and face to face. It is a testimony to the commitment and faith of many members of the congregation that this did not stop them from continuing to support and actively engage with the work of the church during the pandemic.

Thank you to you all for making St Anne’s such a happy and thriving church community, even during the time of the global pandemic. Without you all our church would not be the place and the community it is.

(Andreas Sistig, Derrick Fenn, Sue Hunt)

10 |

4. Financial Review

As in 2020, the Covid-19 pandemic has had an impact on our finances though there have been some significant differences from the previous year. The details are described below but the overall outcome has been that the Unrestricted (General) Fund has shown a small surplus, despite significantly increased expenditure. Separate from the General Fund, our congregation has responded generously to a number of appeals for the support of projects both within St Anne’s and in the wider community. These are summarised below and in Note 8. to the accounts.

Unrestricted (General) Fund

This fund supports the day-to-day operations of St Anne’s. Income was nearly £15,000 higher than in 2020 (and £4,000 greater than in 2019). Planned Giving by our congregation was slightly increased over previous years but the main increase was due to a higher level of donations and also the increased use of the Church Centre.

Expenditure also showed a large increase of over £7,500 compared with 2020, though the total was slightly lower than in 2019. The increase was mainly due to the fact that Parish Share was kept at the same official level in 2021 as in 2020, but in 2020, with the onset of Covid-19, the Diocese provided grants of over £6,000. These were not available in 2021. Several other costs were higher, mainly reflecting the greater level of activity in 2021 compared with the previous year when Covid-19 restrictions were more severe.

The result was that the General Fund showed a surplus of £1,498 in 2021 compared with a deficit of £5,439 in the previous year. It should be noted that some maintenance costs were met from Restricted Funds, namely the Derek Shearing Legacy (£1,725 for roof repairs) and the Friends of St Anne’s (£1,451 for intruder alarm refurbishment).

2022 presents us with major financial challenges. Changes to Parish Share allocation will result in an increase of nearly £6,000. In addition, as part of our Parish Development Plan to free clergy resources for mission, we are looking to employ an Office Manager on a part-time basis. This, combined with increased gas and electricity costs, means that we are anticipating a sizeable deficit unless our income can be increased substantially. With the support of our congregation and community, income growth needs to be a priority for the new PCC.

11 |

Restricted Funds

A number of new Restricted Funds were established during the year. These were in support of a replacement boiler for the Church Centre, resettlement assistance to Afghan Refugee families settling in Surrey Heath and supporting the work of the Chaplaincy Department at Frimley Park Hospital. These, together with the activities of pre-existing restricted funds are described in the Financial Statement.

In early 2022 the PCC has decided to rationalise some of these funds. In particular, the Syrian and Afghan Refugee family support funds will be combined into a general Refugee Support Fund. Also, with the approval of the major donors, the residue of the Bagshot Together Covid-19 Community Support fund will be transferred to the Vicar’s Discretionary Fund for support of local people suffering hardship. St Anne’s Parish Hall

Although the Trustees of St Anne’s Parish Hall are the Diocesan Board of Finance, the entire responsibility for the management and maintenance of the Hall is that of St Anne’s PCC, who assume all liabilities. The Trust Deed indicates that the Hall is for the benefit of the people of Bagshot, not just the church, so the accounts of the Parish Hall are reported as one of the Restricted Funds of the PCC, with Note 9. to the Financial Statement providing the detail.

Income for 2021 has been similar to the previous year. Many regular users returned as Covid-19 regulations relaxed though some have still not yet decided to resume their activities or are operating only on-line, resulting in the income being substantially lower than in pre-pandemic times. We are grateful to Bagshot Scouts who have again paid their subscriptions for the whole year even though they were prevented from using the Hall for a period early in the year due to Covid-19.

However, in comparison with 2020, when the Hall was redecorated and other important maintenance work was completed, expenditure in 2021 has been much lower, resulting in an operating deficit of less that £600, funded from the reserves which now total nearly £21,000.

Use of the Hall in the first quarter of 2022 suggests a more positive financial outlook for this year; there has been an increase in individual hirings and a number of enquiries from new potential regular hirers.

Reserves Policy

It is PCC policy to try to maintain a balance on free reserves (unrestricted cash plus readily liquidated investment assets) which equates to at least six months unrestricted payments. This is equivalent to ~£50,000. It is held to smooth out fluctuations in cash flow and to meet emergencies. The balance of the unrestricted free reserves at the end of 2021 was ~£72,000, (excluding the outstanding unpaid Parish Share). Note that although the Vicar & Wardens fund is technically a restricted fund, the limited restrictions on its use mean that we have included its balance of £21,415 in the available reserve.

It is our policy to invest the short-term investment fund balances with the COIF Charities Deposit Fund and longer term in the CBF Church of England Investment Fund, both managed by CCLA Investment Management Ltd. The latter fund generates an income of around £800 p.a.

(David Perry)

12 |

Parochial Church Council of St Anne's, Bagshot

Statement of Financial Activities

For the year ending 31 December 2021

For the year ending 31 December 2021
Notes
INCOMING RESOURCES
Voluntary income
2(a)
Activities for generating funds
2(b)
Income from Investments
2(c)
Church activities
2(d)
TOTAL INCOMING RESOURCES
RESOURCES EXPENDED
Cost of generation of voluntary income
3(b)
Fund-raising costs
3(c)
Church activities
3(a)
Regular Expenditure
Special projects
Church lighting
3(d)
New Church Centre Boiler
TOTAL RESOURCES EXPENDED
NET INCOMING RESOURCES BEFORE
OTHER RECOGNIZED GAINS AND LOSSES
Revaluation of assets
Gains on investment assets:
5(b)
NET MOVEMENT IN FUNDS
BALANCES B/FWD 1 JANUARY
BALANCES C/FWD 31 DECEMBER
Unrestricted
Funds
£
89,585
890
836
12,074
103,384
170
195
101,521
101,886
101,886
1,498
4,134
5,631
632,940
638,571
Restricted
Funds
£
9,370
3
4,156
13,528
82
-
10,765
10,847
3,699
14,545
(1,017)
-
(1,017)
83,184
82,167
2021
2020
£
£
98,954
124,821
890
-
838
864
16,229
9,803
116,911
135,487
252
342
195
20
112,286
108,720
112,732
109,082
-
11,202
3,699
-
116,431
120,284
480
15,204
4,134
1,857
4,614
17,060
716,124
699,064
720,738
716,124
TOTAL FUNDS
135,487
342
20
108,720
109,082
11,202
-
120,284
15,204
1,857
17,060
699,064
716,124

13 |

Parochial Church Council of St Anne's, Bagshot Balance sheet at 31 December 2021 Unrestri¢ted Funds Re$tTided Fur TOTAL FUNDS 2021 FIXED ASSETS TarolD ¥ai 647,ei)2 647,602 647.602 Irr•EStrr¢rt 5(bl & Icl 32.P92 21.418 50.163 680.484 21.418 701.901 697.765 CURRENT ASSETS CfAor$ 18,175 19.514 5.$21 Cash al bark l¥NI 32.324 92.764 107.613 61.TTg 112.278 113.134 U￿UTIEs CredbtcYs-arNJwls lalirg In orn y•ar 92,412 93.441 94.775 NET CLIiRENT A8SETSIIUPAUTIESI 41.913 10,750 1B,837 18.3S9 CredbtcYs-arnus laliro ￿ after year TOTAL NET AsseTS 838,571 81167 720,738 716,124 PARISH FUNDS lknreStr￿ted Re6trKted 838,571 638.571 82.167 632,940 83.184 2.167 638,571 81167 720,738 716,124 role8 on page$ 15 t¢ 23 ltym part of tlse r¢Md by t1￿ Par¢xal ChJch c￿¢1 aTrJ sigred C￿ Ns telmw by.. Rewj Anlreas IPCC CIBwrr£nl 14 |

Notes to the financial statements

For the year ended 31 December 2021

1. ACCOUNTING POLICIES

The financial statements have been prepared under the Charities Act 2011 and in accordance with the Church Accounting Regulations 2006 governing the individual accounts of PCCs, and with the Regulations' "true and fair" provisions. It is also the first year that they have been prepared under FRS102 (2016) as the applicable accounting standards and the 2016 version of the Statement of Recommended Practice, Accounting and Reporting by Charities (SORP(FRS102)).

They have been prepared under the historical cost convention except for valuation of investment assets which are shown at market value. The financial statements include all transactions for which the PCC is responsible in law. They do not include the accounts of church groups which owe their main affiliation to another body or those that are informal gatherings of church members.

Changes to previous accounts

No material changes have been made to the accounts for previous years other than those recorded in the 2020 accounts.

Funds

Restricted funds represent (a) income from trusts or endowments which may be expended only on those restricted objects provided in the terms of the trust or bequest, and (b) donations or grants received for a specific object or invited by the PCC for a specific object. The funds may only be expended on the specific object for which they were given. Any balance remaining unspent at the end of each year must be carried forward as a balance on that fund. The PCC does not usually invest separately for each fund. (The Miss Pike Legacy fund is an exception to this.) Where there is no separate investment, interest is apportioned to individual funds on an average balance basis.

Unrestricted funds are general funds which can be used for PCC ordinary purposes. Funds designated by the PCC itself for a particular purpose are also unrestricted.

Incoming resources

Planned giving, collections and donations are recognised when received. Tax refunds are recognised when the incoming resource to which they relate is received. Grants and legacies are accounted for when the PCC is legally entitled to the amounts due. Dividends are accounted for when receivable and interest is accrued. All other income is recognised when it is receivable. All incoming resources are accounted for gross.

Resources expended

Grants and donations are accounted for when paid over, or when awarded if that award creates a binding obligation on the PCC. The diocesan parish share is accounted for when payable. Amounts received specifically for mission are dealt with as restricted funds. All other expenditure is generally recognised when it is incurred and is accounted for gross.

Assets

Consecrated and benefice property is excluded from the accounts in accordance with s.96(2)(a) of the Charities Act 1993.

Movable church furnishings held by the vicar and churchwardens on special trust for the PCC and which required a faculty for disposal are inalienable property, listed in the church’s inventory, which can be inspected (at any reasonable time). For any thing acquired prior to 2000 there is insufficient cost information available and therefore such assets are not valued in the financial statements. Subsequently, the only item purchased costing more than £1,000 has been the Church Centre and its furnishings. All funds expended on the Church Centre project have been treated as capital expenditure. All other expenditure has been charged to Resources Expended when it occurred.

Equipment used within the church premises is depreciated on a straight-line basis over five years. Individual items of equipment with a purchase price of £1,000 or less are charged to Resources Expended when the item is acquired.

Investments are valued at market value at 31 December.

15 |

2. INCOMING RESOURCES

2(a) Voluntary income
Planned giving
Tax recoverable
Collections
Donations
Legacy
2(b) Activities for generating funds
Fete
Other
2(c) Income from investments
Interest
Dividends
2(d) Income from church activities
Wedding and Funeral Fees
Sale of books & magazine
Church Centre hire
Parish Hall income
Youth Club
Total incoming resources
3.
RESOURCES EXPENDED
3(a) Church activities
Missionary and charitable giving
Connect Christian Counselling
The Children's Society
Covid 19 Bagshot Community Support Fund
Frimley Park Scrubs Fund
Holding Crosses
Afghan Refugee Support
The Besom (Camberley)
Other
Totals c/f
Unrestricted
Funds
59,628
16,613
1,169
12,175
-
89,585
460
430
890
836
836
3,419
1,120
7,535
-
12,074
103,384
Unrestricted
Funds
600
90
10
700
Restricted
Funds
1,920
1,339
6,111
-
9,370
-
-
-
3
3
4,156
-
4,156
13,528
Restricted
Funds
145
216
272
1,665
45
246
2,589
TOTAL
2021
61,548
17,952
1,169
18,286
-
98,954
460
430
890
3
836
838
3,419
1,120
7,535
4,156
-
16,229
116,911
TOTAL
2021
745
90
216
-
272
1,665
45
256
-
3,289
TOTAL
2020
60,625
17,013
650
26,534
20,000
124,821
-
-
-
57
807
864
2,455
588
1,530
4,231
998
9,803
135,487
TOTAL
2020
1,036
-
3,816
1,598
-
-
795
10
7,255

16 |

Totals b/f
Ministry:
Diocesan Parish Share
Clergy expenses
Clergy assistance
Clergy housing
Church running and maintenance
Heating, lighting & water
Maintenance
Insurance
Service consumables
Music
Laystaff
Marriage preparation
Office supplies
ChurchDesk
Office Equipment
Telephone
Magazine/bookstall costs
Junior Church
Youth Club
Depreciation
Training
Misc
Eco-Church
Covid Support Costs
Church Centre running costs
Parish Hall running costs
3(b) Generation of voluntary income
Card processing fees
Stewardship expenses
3(c) Fund raising costs
Regular Expenditure
3(d)
Special Projects
Chancel & transept lighting
New Boiler for Church Centre
TOTAL RESOURCES EXPENDED
3(a)
(cont)
Unrestricted
Funds
700
76,606
2,337
-
405
3,394
3,700
4,923
209
59
2,555
20
1,860
977
-
393
140
114
-
-
-
1,055
328
1,746
101,521
111
59
195
101,886
101,886
Restricted
Funds
2,589
3,176
276
4,724
10,765
82
-
-
10,847
3,699
14,545
TOTAL
2021
3,289
76,606
2,337
-
405
3,394
6,876
4,923
209
59
2,555
20
1,860
977
-
393
140
114
-
-
-
1,055
276
328
1,746
4,724
112,286
192
59
195
112,732
3,699
116,431
TOTAL
2020
7,255
70,431
1,760
36
368
2,567
3,170
4,692
466
107
2,430
210
965
897
-
379
393
182
565
245
186
718
407
1,458
1,206
7,628
108,720
277
65
20
109,082
11,202
120,284

4. PAYMENTS TO PCC MEMBERS

A small immaterial part of the expenses paid to the incumbent may have been related to his services as chairman of the PCC. No other payments or expenses were paid to any other PCC member, persons closely connected to them or related parties.

17 |

5. FIXED ASSETS

5(a)
ACTUAL COST
At 1 January 2021
Add additions at cost
At 31 December 2021
DEPRECIATION
At 1 January 2021
Add charge for year
At 31 December 2021
Tangible assets after depreciation
Tangible
(All unrestricted)
Freehold
land and
buildings
647,602
-
647,602
-
-
-
647,602
Church
Equipment
-
-
-
-
-
-
-
Total
647,602
-
647,602
-
-
-
647,602

The freehold land and buildings comprise the Church Centre to which no depreciation is applied. Church equipment comprises office equipment and furniture in the Church Centre.

5(b) Investments (Unrestricted)

The PCC holds 1,406 Income Shares (no change since 2008) in the CBF Church of England Investment Fund, managed by CCLA Investment Management Ltd.

Value at 1 January 2021
Value at 31 December 2021
Gains/(loss) on revaluation
28,748
32,882
4,134

5(c) Investments (Restricted)

The whole of the Legacy Fund (£21,418 at 31 December 2021) is invested in the COIF Charities Deposit Fund, managed by CCLA Investment Management Ltd. Interest is declared daily and varies according to London money market interest rates. It is paid gross on a quarterly basis.

6.
DEBTORS
Tax recoverable
ChurchDesk payment in advance
Others (5)
7.
LIABILITIES
Amounts falling due within one year
Guildford diocese
Utilities
Quinquennial inspection
Wedding fees/deposits - in advance
Donations due
Other creditors (8)
Unrestricted
Funds
13,757
3,644
775
18,175
TOTAL
Unrestricted
89,119
1,338
364
246
1,345
92,412
Restricted
Funds
1,339
1,339
TOTAL
Restricted
310
719
1,029
TOTAL
2021
15,095
3,644
775
19,514
TOTAL
2021
89,119
1,338
-
364
556
2,064
93,441
TOTAL
2020
3,206
1,719
596
5,521
TOTAL
2020
88,726
235
1,617
300
1,157
2,741
94,775

18 |

8. RESTRICTED FUNDS

Miss Pike Legacy Fund This Legacy Fund derives from the bequest to the Churchwardens and Vicar for (Vicar & Wardens' Account) the good of St Anne's Church. To that extent the funds constitute a Restricted Fund and expenditure is restricted to purposes complying with these terms. Friends of St Anne's For maintenance of the church building and to enhance the contribution of St Anne's to the local community. Derek Shearing Legacy Derek Shearing, a resident of Bagshot who died in 2020, bequeathed a legacy of £20,000 to St Anne's ‘to be applied solely for the upkeep and maintenance of the fabric of the parish church’. St Anne's Parish Hall The trustees of the Parish Hall are the Guildford Diocesan Board of Finance but St Anne's PCC is solely responsible for the management and maintenance of the Hall, together with all associated liabilities. Under the terms of the Trust Deed, the Hall is for the benefit of the people of Bagshot (not just the church). The finances of the Parish Hall are included with those of the PCC as a Restricted Fund. The St Anne's Hall detailed financial statements are provided as Note 9. Syrian Refugee Family This fund is the result of an appeal to the churches and other organisations in the Housing Appeal Surrey Heath district to provide support to Syrian refugee families being housed in our area. Afghan Refugee Family Fund This fund is the result of an appeal similar to the above to provide "settling in support" to six Afghan refugee families who were being housed by the Borough Council. In early 2022 the PCC agreed a proposal to comibine the two refugee support funds into a single Refugee Support fund Grant to Friday Night Youth Surrey County Council provided FNYC with a grant of £500 for the purchase of Club (FNYC) sports equipment. FNYC Tuck Tax A proportion of the payments made by members of the Friday Night Youth Club (FNYC) for snacks etc. is retained for donation to charities. Club members decide which charities will receive donations but due to Covid no decisions have been made during 2021. Church Centre Boiler Fund Funds donated by Church members, Surrey Heath Borough Council and AllChurches Trust for the replacement of the Church Centre boiler by a more efficient and hence "greener" alternative. EcoChurch Project The EcoChurch Project is our initial local response to the developing environmental crisis threatening mankind. This restricted fund is a result of donations from Waitrose and Lightwater Gardening Club. Bagshot Together Covid-19 The start of the COVID lockdown in March 2020 resulted in Bagshot residents Community Support working together to support the more vulnerable members of our community. Demand for this service, provided entirely by volunteers, was significant in the early days of the pandemic but declined to zero in early 2021. After consultation with the major donors, it was agreed in early 2022 that the residual funds of around £4,000 will be transferred to the Vicar's Discretionary Fund for the purpose of supporting members of the local community suffering hardship. Bagshot - Frimley Park As for Bagshot Together (above), this fund is no longer required for its original Scrubs Appeal purpose. As specified in the original appeal, the residue of £1,020 will be used to support projects to enhance the well-being of Frimley Park Hospital staff. Vicar's Discretionary Fund A fund to be used by the Vicar at his discretion, and on a confidential basis, for the support of local residents suffering hardship. One-Card Donations to the One-Card scheme at Christmas made in support of Connect Counselling Service in Camberley and the "Toilet Twinning" project. The Besom in Camberley Financial donations towards the cost of food and Christmas Gifts supplied by the Besom Food Bank in Camberley. This is in addition to gifts of food and other items made in kind. Holding Crosses A fund for the purchase of "Holding Crosses" and other items to be given by Frimley Park Hospital Chaplains to their patients as tokens of comfort and reassurance.

19 |

8. RESTRICTED FUNDS (Continued)

Fund movements
Balance at 1 January 2021
Incoming resources
Resources expended
Balance at 31 December 2021
Fund movements
Balance at 1 January 2021
Incoming resources
Resources expended
Balance at 31 December 2021
Balance at 1 January 2021
Incoming resources
Resources expended
Balance at 31 December 2021
Balance at 1 January 2021
Incoming resources
Resources expended
Balance at 31 December 2021
Vicar &
Wardens
Account
21,415
3
-
21,418
Syrian
Refugee
Fund
356
-
-
356
Eco-Church
426
500
276
650
One-Card
-
295
295
-
Friends of
St Anne's
13,510
2,400
1,451
14,459
Surrey CC
Grant to
FNYC
312
-
-
312
Covid 19
Community
Support
3,890
340
224
4,006
The Besom
-
45
45
-
Derek
Shearing
Legacy
20,000
-
1,725
18,275
FNYC
Tuck Tax
750
-
-
750
Frimley Park
Scrubs
Appeal
1,020
-
-
1,020
Holding
Crosses
-
391
281
110
St Anne's
Parish Hall
21,320
4,156
4,724
20,751
CC Boiler
Fund
-
3,725
3,725
-
Vicar's
Discretionary
Fund
185
-
126
59
Afghan
Refugee
Family Fund
-
1,704
1,704
-

20 |

9. St Anne's Parish Hall - Financial Detail

St Anne's Parish Hall - Financial Detail
Incoming Resources
Individual bookings
Regular bookings
Resources Expended
Cleaning costs
Hall Manager
Utilities
Cleaning Materials/Covid
Maintenance
Insurance
Miscellaneous/Admin
Total Routine payments
Major Projects
Redecoration
Total Major Projects
Total of All payments
Surplus (Deficit)
Balances brought forward to 1st January
NatWest
Creditors
Debtors
Balances at 31st December
NatWest
Creditors
Debtors
Movements in Funds
2021
720
3,436
4,156
578
800
893
11
413
1,315
715
4,724
-
-
4,724
(569)
21,382
417
355.5
21,320
21,059
308
-
20,751
(569)
2020
435
3,796
4,231
403
800
768
233
1,668
1,300
631
5,803
1,825
1,825
7,628
(3,396)
25,373
657
-
24,716
21,382
417
356
21,320
(3,396)

21 |

10. Prior Period Comparative SOFA Restated following Transition to FRS 102

Statement of Financial Activities

For the year ending 31 December 2020

he year ending 31 December 2020
INCOME
Voluntary Income
Activities for generating funds
Income from investments
Church activities
TOTAL INCOME
EXPENDITURE
Church Activities
Fund raising costs
Cost of voluntary income
Regular Expenditure
Special Projects
Church Lighting
TOTAL EXPENDITURE
NET INCOMING RESOURCES BEFORE
OTHER RECOGNIZED GAINS AND LOSSES
NET GAINS ON INVESTMENTS
NET INCOME(EXPENDITURE)
Total Funds brought forward
Total Funds carried forward
Unrestricted
Funds
£
82,392
-
807
5,571
88,770
94,040
20
149
94,209
94,209
(5,438)
1,857
(3,581)
636,521
632,940
Restricted
Funds
£
42,429
-
57
4,231
46,717
14,679
-
194
14,873
11,202
26,075
20,642
-
20,642
62,542
83,184
TOTAL
2020
£
124,821
-
864
9,803
135,487
108,720
20
342
109,082
11,202
120,284
15,204
1,857
17,061
699,064
716,124

22 |

Independent Examiner’s Report to the members of St Anne’s Parochial Church Council (PCC) on the accounts for the year ended: 31st December 2021

Respective responsibilities of PCC and Examiner

The members of the PCC are responsible for the preparation of the accounts. The PCC consider that an audit is not required for this year under section 144 of the Charities Act 2011 (the Charities Act) and that an independent examination is needed. It is my responsibility to:

Basis of independent examiner’s statement

My examination was carried out in accordance with general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from the members of the PCC concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently no opinion is given as to whether the accounts present a ‘true and fair’ view and the report is limited to those matters set out in the statement below.

Independent examiner's statement

In connection with my examination, no matter has come to my attention;-

  1. which gives me reasonable cause to believe that in, any material respect, the requirements:

  2. to keep accounting records in accordance with section 130 of the Charities Act; and

  3. to prepare accounts which accord with the accounting records and comply with the accounting requirements of the Charities Act have not been met; or

  4. to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.

23 |

5. Structure, governance and management

The Parochial Church Council is a corporate body established by the Church of England. The PCC operates under the Parochial Church Council Powers Measure. The PCC is officially registered with the Charity Commission as THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST ANNE, BAGSHOT, SURREY, Registered Charity Number 1171379.

The method of appointment of PCC members is set out in the Church Representation Rules. At St Anne’s the membership of the PCC consists of the incumbent, the curate, churchwardens, the LLM (Reader), members elected by those members of the congregation who are on the electoral roll of the church as well as two elected Deanery Synod Representatives and any elected Diocesan or General Synod representatives.

All those who attend our services/members of the congregation are encouraged to register on the Electoral Roll and stand for election to the PCC.

The PCC members are responsible for making decisions on all matters of general concern and importance to the parish including deciding on how the funds of the PCC are to be spent. New members receive initial training into the workings of the PCC.

The full PCC met three times in person and nine times via Zoom during the year of 2020 with a very good average level of attendance.

24 |

6. Administrative information

St Anne’s Church is situated in Church Road, Bagshot. It is part of the Diocese of Guildford within the Church of England. The correspondence address is St Anne’s Church Office, 45 Church Road, Bagshot, Surrey GU19 5EQ. PCC members who have served at any time from 1 January 2020 until the date this report was approved are:

Ex Officio members:

Vicar: The Revd Andreas Sistig (Chairman) Curate/Associate Vicar The Revd Ellen Turtle Wardens: Mr Derrick Fenn Mrs Sue Hunt Licensed Lay Minister: Mr Kester Oliveira Diocesan Synod Representative: The Revd Jennifer Sistig (Self Supporting Minister)

Deanery Synod Representatives

Mrs Diane Wild Mrs Lynne Cowley

Elected members:

Mrs Anne Bonella Dr Kate Dyerson Mrs Carolyn Nahajski Dr David Norminton Dr David Perry (Treasurer) Mrs Brenda Shepherd Mrs Pat Stone (Secretary)

Our bankers are National Westminster Bank Plc and our Independent Examiner is Roy Wolstenholme, retired accountant and previously a Member of the Chartered Institute of Public Finance and Accountancy. Approved by the PCC on 10[th] May 2021 and signed on their behalf by:

________ Revd Andreas Sistig (PCC Chairman)

25 |

7. Appendix A – Vicar’s Report

‘Do you want to be made well?’ (John 5, 6) - What kind of a question is that? It’s as if your dentist asks you ‘would you like me to look at your teeth today?’ or your GP asking you if you’d like to talk about something that you need help with…

What other desire could possibly be greater in the life of a person who has been ill with a debilitating illness for 38 years and who literally gets walked over by others who don’t care for him, every time there is a chance for healing?

I could well imagine some people making a snappy remark back at Jesus – ‘do I want to be made well? Na, I’m just sitting here because of the view and the good company!’

And yet, the sad truth is, that sometimes we are so engulfed in a situation, we don’t realise any more how unhealthy it is and how unwell it makes us. I am thinking particularly about situations of emotional abuse and other kinds of unhealthy relationship or group dynamics. Those can be a whole lot more subtle than sitting next to a pool on your rug waiting for the waters to swell.

John the evangelist must have really liked this story, as it is one of only seven miracles he chose to include in his gospel – alongside the wedding at Cana, the healing of the official's son, the feeding the 5000, Jesus walking on water, the healing of the man born blind and the raising of Lazarus.

And it strikes me that this question ‘do you want to be made well?’ has a lot to do with why John chose to include this miracle in his gospel. This ‘well-making’ is not something that is done unto us, possibly even against our wishes, but something that requires our active participation.

For a start, it requires an awareness that I am unwell, then a desire to change and let go of that which makes me unwell, imagination what a different future might look like, courage to embrace that possible new future and lastly perseverance to see the process through. Consequently, being ‘made well’ (physically or metaphorically) can feel quite costly and uncomfortable.

I believe this costliness and discomfort is something the prophet Ezekiel is very well aware of in our first reading, that famous one in which he sees the house of Israel in a vision, scattered as millions of dry bones, parched in the sunlight, lying in the valley as a pile of dead, lifeless skeletons.

And then God sends him to breath God’s Spirit into these bones and by the end of that process they are no longer dead, sundried skeletons, or lifeless corpses but alive and vibrant bodies, animated by the Spirit of God.

Now, I did not choose these readings for this Sunday when we have our APCM – the lectionary did that all by itself. So let me just make it clear that I do not want to draw too closely an analogy between our church and the vision of the prophet Ezekiel. We are in no way a dead and parched bunch of lifeless skeletons waiting to have the Holy Spirit breathed into us – but in the same way in which that image is a far cry from the reality of our church community, it highlights, together with Jesus question (Do you want to be made well?) certain aspects of our church community that will need rejuvenation, change and some tlc.

St Anne’s, together with many other churches up and down the country, is facing enormous challenges in the years ahead, demographically, financially and in the way we often struggle to relate to the community around us in ways that translates the gospel into their language and culture. In that sense, we are most certainly being asked by Jesus – ‘do you want to be made well’. And consequently we too must embark on that costly journey of developing an

26 |

awareness that some parts of our church life are unwell. We too must ask ourselves if we truly have a desire to change and let go of that which makes us unwell, imagination what a different future might look like, courage to embrace that possible new future and the perseverance to see it through. And that might well feel at times costly and uncomfortable.

But, having said that, I also want to say how incredibly proud I am of the way in which we have managed to adapt to and overcome the enormous challenges the past year.

As you have seen in the Annual Report, our worship, fellowship and pastoral care have continued throughout the year first online via Zoom, then in a hybrid fashion online and over Zoom and in latter months we have switched over to YouTube. This will be the way (once the final installation is complete) in which we can stream any and all of our services in the future to people at home or in other parts of the world.

We have also been able to turn what could have been a disastrous financial deficit into a small surplus in our annual accounts. And I have a very deep sense of gratitude towards all of you who have so generously given of your own resources to achieve this.

From May 2021 onwards we were then been able to focus on the drawing up of our new Church Development Plan (CDP), which was finally agreed in December.

I am very grateful to all those who have helped draw it up, inspired and challenged it with questions and amendments until it turned into the plan it now is. I am particularly grateful to the Steering Group (Derrick, Sue, David and Ellen) and the rest of the PCC for their hard work and courage it took to draw it up.

It is this plan which, I hope, will take us into the future and guide us in that process of being made well and consequently bearing the fruit of the Spirit (peace, love, joy, patience, kindness, gentleness and self-control).

If you can’t remember what our church development plan says, I encourage you to go and have another read. There is quite a bit which we have already started and even completed, not least the appointment of our new part time parish office manager Phillippa who will start in the office early June.

For now, I just want to take a few moments to remind us of the broader context of the Church Development Plan and then a few specifics which we agreed last year.

The CDP has been drawn up on the background of the Church of England’s vision for the 2020’s ‘SIMPLER, HUMBLER, BOLDER’ and in particular the three corresponding subcategories. A church:

27 |

Consequently, and as a result of the consultation process which ran from May to December last year, we have decided on a number of mayor goals for this year of which we have already achieved the following

This leaves us now, looking forward to the rest of this year, with a particular focus on:

28 |

So, you see why I said at the beginning that we are a far cry from being like those skeletons in the desert, parched and lifeless. On the contrary, there are many areas in the life our church family and wider community engagement that are vibrant, alive and well.

But there are also those areas in which we will have to roll up our sleeves and ask for God’s help to make us well.

But, by the grace of God and knowing that we have a really good and committed PCC, Steering Group and fantastic volunteers – I have no doubt that the future will see great things happening here at St Anne’s.

As is customary, I would now like say a very special thank you to:

29 |

Thank you all – from the bottom of my heart. Yours in Christ, Andreas.

30 |