## **The Old Bank & Camelford Community Larder Annual General Meeting Chair’s Report 25[th] June 2025** 

The Old Bank, Camelford is a charity with community at its heart, we run and maintain a building in the main street of Camelford for the benefit of residents from Camelford and the surrounding area. 

At the last AGM, I was able to report that we have been successful in obtaining 2 substantial grants to refurbish the building. I’m delighted to say that over the last year, the building has undergone a transformation into a fully refurbished community building. This involved a significant amount of work, including some rather big challenges but we are there! 

Now that the building is fully functional again, we have been able to increase income from room hire. We also now have a fully equipped IT suite where we run job clubs, provide digital help with our digital champions and we are very pleased to have the National Careers service joining us shortly. We also have a fully equipped training kitchen where we provide cooking classes, mainly focusing on cooking on a budget. 

The work of the community larder continues to increase with numbers of between 500 to 700 each week looking for help with food. We focus on food club which is a supported service for those who are struggling to buy food during the cost of living crisis. Saturday stock up is where we focus on fresh produce, and we often have a queue of up to 70 people when we open the doors. We continue to offer emergency food bags. As you can imagine, finding funding to support these projects is difficult but we work very hard applying for grants and has been successful in securing funding to allow this work to continue. We have also been able to offer a support fund, this has provided financial support for energy costs, emergency food, clothing, air fryers, slow cookers, hot water bottles and winter coats. 

We continue to provide a community printing service and we are fortunate to have a volunteer who runs this for us. This brings in income which helps with the running costs of the building. The charity is going from strength to strength. 

We have been very fortunate to increase our volunteer numbers quite significantly. They all work very hard to support the charity. We have doubled our number of volunteers over the last year, and our biggest thanks goes out to each and every one of them. 



## Current Account b/d 

||**Apr 24**|**May**|**June**|**July**|**August**|**September**|**October**|**November**|**December**|**Jan 25**|**February**|**March**|**totals**||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|**Income**||||||||||||||Total own<br>generation|
|Printing Donation|330.75|314.45|0.00|473.13|358.75|186.54|78.53|414.40|||520.53|562.19|3239.27||
|Room hire|||||||||385.00||||385.00||
|Fareshare|497.00||||||265.00||1346.00|200.00||1450.00|3758.00||
|donations|80.00|20.00|20.00|70.00|70.00|70.00|20.00||125.00||||475.00||
|refunds|12.00|47.53|78.89|45.00||0.01|96.61|||156.44||154.32|590.80||
|Food Club|447.00|53.00|0.00||||725.00||601.00|220.47||441.00|2487.47||
|Camelford Leisure Centre|1100.00|||4500.00|||||540.00||||6140.00||
|Bee Squ Cons Ltd|200.00||||||||||||200.00||
|refurb||1270.00||||100.00|425.00||||||1795.00||
|Camelford Walkers (Kitchen)|||100.00||||||||||100.00||
|Llorente M&A (Kitchen)|||150.00||||||||||150.00|19320.54|
|**Grant income**|||||||||||||0.00|Total grant<br>funding|
|Cornwall Council||65036.00|||||||33696.37||||98732.37||
|CC Com Chest||250.00|250.00||||||||||500.00||
|East JN|||||||500.00||||||500.00||
|Co op||||||||1937.77||||500.00|2437.77||
|Asda Foundation|||||||1000.00||||||1000.00||
|Asda Spaces|||||||10547.00|||||7031.00|17578.00||
|Sainsbury’s Neighbourly|||||||500.00||||||500.00||
|NC Fund|||||||2580.00||||||2580.00||
|Groundworks||||||||1000.00|9844.00|2000.00|||12844.00||
|CAF||||||||||250.00|||250.00||
|Cornwall Community<br>Foundation|||6000.00|5000.00||5000.00||5000.00|||5000.00||26000.00||
|Forester Family Trust|||||||||||5000.00||5000.00||
|Smile Together||||||||||||750.00|750.00||



1 



||**Apr 24**|**May**|**June**|**July**|**August**|**September**|**October**|**November**|**December**|**Jan 25**|**February**|**March**|**totals**||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|Charity for R&F|||||||||||1000.00||1000.00||
|||||||||||||||169672.14|
|**Totals Income**|**2666.75**|**66990.98**|**6598.89**|**10088.13**|**428.75**|**5356.55**|**16737.14**|**8352.17**|**46537.37**|**2826.91**|**11520.53**|**10888.51**|||
||||||||||||||||
|**Expenditure**|||||||||||||||
|Rent & Building Ins|35.79|35.79|35.79|35.79|35.79|58.84|58.84|58.84|58.84|58.84|58.84|58.84|590.83||
|Business Rates (CC)|50.42|54.00|54.00|54.00|54.00|54.00|54.00|54.00|54.00|54.00|||536.42||
|Utilities|433.13|339.87|251.68|62.42|290.92|206.76|149.91|196.46|423.69|296.51|341.66|683.51|3676.52||
|Building Maintenance||20.00|28.99|0.00|72.00|50.00|20.00|0.00|||||190.99||
|General||194.08|683.96|2038.87|0.00|129.17|0.00|6.60|102.60|1147.35|198.00|81.84|4582.47||
|Food Club|253.51|173.21|113.12|71.98|346.80|24.07|0.00|227.50|241.15|172.70|112.91|22.34|1759.29||
|NC Fund|||||671.00||0.00|0.00|0.00||||671.00||
|Fairshare||||159.99|0.00|0.00|0.00|0.00|0.00||||159.99||
|**Grant Spending**|||||||||||||0.00||
|Omicron Grant - Ofce & staf|144.90|87.92|75.47|44.11|39.99|1.49|0.00|0.00|0.00|8.35|13.48|25.90|441.61||
|Asda Foundation||||0.00|0.00|0.00|0.00|135.39|0.00||||135.39||
|Co-op||||0.00|0.00|0.00|0.00|157.50|0.00||||157.50||
|Local Giving||||0.00|0.00|0.00|0.00|500.00|0.00||||500.00||
|Surviving winter 2024 &  COL|250.00||3476.78|1821.97|2683.95|4385.55|63.83|3624.89|3041.89|1176.95|2479.35|2270.72|25275.88||
|Refurbishment spend||16148.55||13307.51|58.97|11129.95|60774.71|15302.40|0.00|||1399.60|118121.69||
|Kitchen Refurbishment|||750.00|0.00|||||0.00||||750.00||
|Morrisons Foundation|480.95|1295.91||0.00|||||0.00||||1776.86||
|Asda Spaces|||||1166.00|4750.06|2370.70|3570.07|2189.01|1384.33|233.13|1411.70|17075.00||
|GW/Tesco|||||||||||||0.00||
|CC Com Chest||||||||||||509.94|509.94||
|East JN||||||||||||400.00|400.00||
|CAF||||||||||||247.09|247.09||
|Sainsbury’s Neighbourly||||||||||||500.00|500.00||



2 



||**Apr 24**|**May**|**June**|**July**|**August**|**September**|**October**|**November**|**December**|**Jan 25**|**February**|**March**|**totals**||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|Health Improvement Fund/Eat<br>well for less||||0.00|0.00|353.30|0.00|226.71|0.00|386.95|16.98|2392.92|3376.86||
|Glass Fund||||||||||||1017.96|||
|Balancing amount||||||||||**-4.60**|||||
|**Total Expendure**|**1648.70**|**18349.33**|**5469.79**|**17596.64**|**5419.42**|**21143.19**|**63491.99**|**24060.36**|**6111.18**|**4681.38**|**3454.35**|**11022.36**|182448.69||
||||||||||||||||
|**transfer to reserve a/c**|||||||||33000.00|||10000.00|||
||||||||||39111.18|||21022.36|||
|**Bought Fwd**|51476.14|52494.19|101135.84|102264.94|94756.43|89765.76|73979.12|27224.27|11516.08|18942.27|17087.80|25153.98|||
|suplus/defcite|1018.05|48641.65|1129.10|-7508.51|-4990.67|-15786.64|-46754.85|-15708.19|7426.19|-1854.47|8066.18|-10133.85|||
|**Carried Fwd**|52494.19|101135.84|102264.94|94756.43|89765.76|73979.12|27224.27|11516.08|18942.27|17087.80|25153.98|15020.13|||
||||||||||||||||



3 



## Building Maintance 

||||
|---|---|---|
|**Apr 24**|||
|May 24|||
|D&T Windows|20.00||
||||
|Jun 24|||
|Screwfx|28.99||
||||
|Aug 24|||
|Glowarm|72.00||
||||
|Sep 24|||
|T A Varns|50.00||
||||
|Oct 24|||
|T A Varns|20.00||
||||
||||
||||
||||
||||
||||
||||
||||
||||
||||



1 



Table 1 

|||||||||||||||**Annual**<br>**totals**|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
||April|May|June||July|August|September|October|November|December|Jan 25|February|March||
|Oil|||||||353.30||||||416.45|769.75|
|Electric|382.71|289.45|128.94|50%<br>refunded||240.50|80.30|99.49|146.04|178.78|252.07|244.54|222.62|2265.44|
|Hosting-Ionos|14.42|14.42|28.84|50%<br>refunded|26.42|14.42|14.42|14.42|14.42|133.21|8.44|8.44|8.44|300.31|
|Wif - wildanet|36.00|36.00|36.00||36.00|36.00|36.00|36.00|36.00|36.00|36.00|36.00|36.00|432.00|
|water|||57.90||||76.04|||75.70||52.68||262.32|
||||||||||||||||
|**Monthly Total**|433.13|339.87|251.68|0|62.42|290.92|560.06|149.91|196.46|423.69|296.51|341.66|683.51|4029.82|
||||||||||||||||
|**covered by grant**<br>**funding**|433.13|339.87|251.68||62.42|290.92|560.06|101.92||178.78|296.51|341.66|383.05<br>(groundwork<br>s)||
||||||||||||||||



1 



## General(not covered by grant funding) 

||||
|---|---|---|
|**Apr 24**|||
|**May 24**|||
|T McGrath|194.08||
||||
|**Jun 24**|||
|Land Registry|6.00|search fee|
|Post Ofce|8.95|postage|
|Post Ofce|7.95|postage|
|Local Giving|180.00|membership fee|
|Laptops Direct|480.96||
|**Total**|683.86||
||||
|**Jul 24**|||
|Post Ofce|3.80|postage|
|AMD Solicitors|1200.00|legal fees|
|Policy Bee|346.07|insurance|
|Brians solicitors|450.00|legal fees|
|Bowood Park|39.00|trustee meeting|
|**Total**|**2038.87**||
||||
|**Sep 24**|||
|Amazom|6.14||
|Screwfx|5.39||
|Morrisons|17.00||
|Amazon|36.94||
|Peckish|63.70||
|**Total**|**129.17**||
||||
|**Nov 24**|||
|Asda|6.60||
||||
|Dec 24|||



1 



||||
|---|---|---|
|M&S|30.00|retirement gift|
|R Shearing|66.60||
|to balance|6.00||
|Total|102.60||
||||
|Jan 25|||
|PIB Risk Services|389.00||
|PIB Risk Services|48.70||
|Viraj|126.55||
|Peckish|44.60||
|Angela Foz|82.50||
|Barkers|456.00||
|Total|1147.35||
||||
|Feb 25|||
|Angela Fox|198.00||
|Total|198.00||
||||
|Mar 25|||
|Bowood Park|81.84||



2 



Food Club 

|**Date**|**banked**|**spent**|**balance**<br>**(ring**<br>**fenced)**||
|---|---|---|---|---|
|**Opening Balance**|||**4726.65**||
|**Apr 24**|||||
|M Northey||69.03|||
|Morrisons||16.49|||
|Spar||8.75|||
|Spar||12.43|||
|Spar||8.46|||
|Spar||5.69|||
|Spar||8.79|||
|Hilltop||29.05|||
|J lavender||73.44|||
|Spar||9.38|||
|Amazon||12.00|||
|2nd|447.00||||
|**Totals**|**447.00**|**253.51**|||
||||||
||||**4920.14**||
||||||
|May|||||
|internal transfer to<br>refurb project||2000.00|||
|New balance|||**2920.14**||
|Spar||6.78|||
|Hilltop||31.50|||
|Spar||8.79|||
|Amazon||12.50|||
|Spar||13.89|||
|Amazon||24.00|||
|7th|53.00||||
|Spar||22.75|||
|Sainsburys||15.00|||



1 



|**Date**|**banked**|**spent**|**balance**<br>**(ring**<br>**fenced)**||
|---|---|---|---|---|
|Peckish||38.00|||
|**Totals**|**53.00**|**173.21**|**2799.93**||
||||||
|**June**|||||
|Asda||19.00|||
|Spar||10.17|||
|Muddy Paws||84.05|||
|**Totals**||**113.22**|**2686.71**||
||||||
|**July**|||||
|Amazon||63.99|||
|Amazon||7.99|||
|Totals||71.98|**2614.73**||
||||||
|**August**|||||
|M Northey||102.38|||
|Amazon||7.99|||
|Amazon||47.96|||
|Amazon||12.50|||
|Amazon||20.34|||
|Amazon||15.99|||
|Wovina||16.95|||
|Hilltop||43.35|||
|Spar||2.98|||
|Morrisons||38.24|||
|M Northey||38.12|||
|**Totals**||346.80|**2267.93**||
||||||
|Sep24|||||
|Spar||20.99|||
|Spar||3.18|||
|Totals||24.17|**2243.76**||



2 



|**Date**|**banked**|**spent**|**balance**<br>**(ring**<br>**fenced)**||
|---|---|---|---|---|
||||||
|Oct 24|||||
|banking|725.00||**2968.76**||
||||||
|Nov 24|||||
|M Northey||65.98|||
|B&M||43.18|||
|J lavender||76.87|||
|Amazon||41.47|||
|**Totals**||227.5|**2741.26**||
||||||
|Dec 24|||||
|banking|601.00||||
|Amazon||11.99|||
|Amazon||17.79|||
|Spar||7.04|||
|Amazon||46.56|||
|R  Shearing||157.77|||
|Totals|601.00|241.15|**3101.11**||
||||||
|Jan 25|||||
|Amazon||9.20|||
|Amazon||8.55|||
|Amazon||13.70|||
|Amazon||4.27|||
|Amazon||25.49|||
|Amazon||43.99|||
|Spar||15.47|||
|Spar||7.43|||
|Peckish||44.60|||
|banking|85.47||||
|banking|135.00||||



3 



|**Date**|**banked**|**spent**|**balance**<br>**(ring**<br>**fenced)**||
|---|---|---|---|---|
|Totals|220.47|172.7|**3148.88**||
||||||
|**Feb 25**|||||
|Sainsburys||68.35|||
|Amazon||39.98|||
|Amazon||4.58|||
|Totals||112.91|**3035.97**||
||||||
|**Mar 25**|||||
|banking|180.00||||
|Spar||2.40|||
|Amazon||19.94|||
|banking|95.00||||
|banking|166.00||||
|Smile Together (FC)|750.00||||
|Totals|1191.00|22.34|**4204.63**||
||||||
||||||
||||||
||||||
||||||



4 



## Fareshare 

||**in’s**||**outs**|**Total Ringfenced**|
|---|---|---|---|---|
|**Opening**<br>**Balance**||||5489.00|
|banked|497.00||||
|Balance||||5986.00|
|May|||||
|June|||||
|**internal transfer**<br>**to kitchen refurb**|||300.00|5686.00|
||||||
|Jul 24|||||
|Amazon|||159.99||
|||||5526.01|
|Oct 24|||||
|banking|265.00|||5791.01|
||||||
|Nov 24|||||
|Groundwork’s|1000.00|||6791.01|
||||||
|Dec 24|||||
|internal transfer<br>from Eat Well for<br>less|1600.00|||8391.01|
|banking|1346.00|||9737.01|
||||||
|Jan 25|||||
|internal transfer<br>from<br>Groundworks/<br>Tesco|1000.00|||10737.01|
|banked|200.00|||10937.01|
||||||
|Mar 25|||||
|banking|700.00||||
|banking|750.00||||
|totals|1450.00|||12387.01|



1 



in's
outs
Total Ringfenced

Groundworks (tesco) 

|**Received Jan 2025**<br>**- £2000**|**1000 Food**|**1000 Utilities**|||
|---|---|---|---|---|
|**January**|||||
|internal trans to<br>Fareshare|1000||||
|wildanet||23.22|||
|EDF||252.07|||
|Totlas|1000|275.29|||
||||||
|**Balances**|**0.00**|**724.71**|||
||||||
|**Feb 25**|||||
|Ionos||8.44|||
|EDF||244.54|||
|SW Water||52.68|||
|wildanet||36.00|||
|**Totals**||341.66|||
||||||
|**Balances**||**383.05**|||
||||||
|**Mar 25**|||||
|Utilities||383.05|||
|**Balances**|**0.00**|**0.00**|||



1 



CAF Un-restricted grant 

|**recd Jan 25**|**250.00**||||
|---|---|---|---|---|
|**Mar 25**|||||
|M Northey|231.68||||
|J Lavender|15.41||||
|**Total**|247.09||||
||||||
|**Balance**|2.91||||
||||||
||||||
||||||



1 



Refurbishment Project (keeping info form last financial year on here for ease of monitoring) 

|**Name**|**Receipt**||**Spending**|**Balance (ring-**<br>**fenced)**|||_Levelling up_<br>_funding_||_OB Match_<br>_funding_|
|---|---|---|---|---|---|---|---|---|---|
|**Mar 24**||||||_Cornwall_<br>_Council_|_65036.00_|||
|Cornwall Comm<br>Foundation|18000.00|||||_CCF Sedel_<br>_Collings_|_18000.00_|||
|Horizon Home Care|||9814.05|||_match_<br>_funding_|_5609.13_|||
|Smile Together<br>(OBMF)|500.00|||||_Total_|_88645.13_|||
|Asbestos Services|||654.00|||||||
|**Total**|**18500.00**||**10468.05**|**8031.95**||||||
|||||||||||
|**Apr 24**||||||||||
|Match funding<br>(OBMF - internal<br>transfer)|3403.38||0.00|||||||
|Camelford Leisure<br>Centre (OBMF)|1100.00|||||||||
|Bee Squ Cons Ltd<br>(OBMF)|200.00|||||||||
|**Total**|**4703.38**|||**12735.33**||||||
|||||||||||
|**May**||||||||||
|Cornwall Council|65036.00|||||||||
|Novus fooring|||5650.50|||||||
|quizz monies<br>(OBMF - internal<br>transfer)|1008.00|||||||||
|FC (OBMF -<br>internal transfer)|2000.00|||||||||
|banking (OBMF)|1270.00|||||||||
|Horizon Home Care|||8554.05|||||||
|Ask Asbestos|||1944.00|||||||
|Totals|69314.00||16148.55|65900.78||||||
|||||||||||
|Jun 24||||||||||
|||||||||||
|**Jul 24**||||||||||
|Paul Coombes<br>Electrical|||7652.02|||||||
|Screwfx|||4.99|||||||
|Novas Floors Ltd|||5650.50|||||||
|Camelford Leisure<br>Centre (OBMF)|4000.00|||||||||
|Totals|4000.00||13307.51|56593.27||||||
|||||||||||
|Aug 24||||||||||
|T McGrath|||58.97|||||||
|Totals|||58.97|56534.30||||||
|||||||||||
|Sep 24||||||||||
|Paul Coombes<br>Electrical (Lev up)|||10347.98|||||||
|Homebase|||27.00|||||||
|Asda|||120.09|||||||
|Amazon|||178.36|||||||
|Joy Payne|||390.00|||||||
|Amazon|||9.99|||||||
|Toolstation|||25.30|||||||
|Aldi|||9.98|||||||
|Camelford<br>Hardware|||10.26|||||||
|Screwfx|||10.99|||||||
|internal transfer<br>from kitchen refurb|100.00|||||||||
|H & H wood|100.00|||||||||
|Total|||11129.95|45604.35||||||
|||||||||||
|Oct 24||||||||||
|Paul Coombes<br>Electrical|||514.01|||||||
|Joy Payne|||165.00|||||||
|Joy Payne|||51.00|||||||
|Elizabeth Melvin|||44.70|||||||



1 



|**Name**|**Receipt**||**Spending**|**Balance (ring-**<br>**fenced)**|||_Levelling up_<br>_funding_||_OB Match_<br>_funding_|
|---|---|---|---|---|---|---|---|---|---|
|Premier Contractor|||60000.00|||||||
|Lanteglos Church|425.00|||||||||
|Monthly totals|425.00||60774.71|-14745.36||||||
|||||||||||
|Nov 24||||||||||
|Premier Contractor|||15302.40|||||||
|Monthly totals|||15302.40|-30047.76||||||
|||||||||||
|December||||||||||
|CC|33696.37|||3648.61||||||
|||||||||||
|Mar 25||||||||||
|Amazon|||1399.60|||||||
|||||2249.01||||||



2 



Asda Spaces 

||**Spending**||**Receipts**|**Ringfenced**|
|---|---|---|---|---|
|**Aug 24**||||0.00|
|Gary Stone|1166.00||||
||||||
|**Monthly Totals**|**1166.00**||||
|**Sep 24**|||||
|Amazon|34.99||||
|Amazon|17.99||||
|Amazon|6.79||||
|Amazon|6.99||||
|Amazon|12.99||||
|ESA Direct Ltd|181.92||||
|HBH Woollcott|268.77||||
|AJ Products|822.00||||
|Amazon|5.99||||
|Amazon|8.98||||
|Amazon|14.95||||
|Amazon|28.99||||
|Amazon|8.99||||
|OFR Ltd|2424.00||||
|Paul Coombes<br>Electrical|329.18||||
|Paul Coombes<br>Electrical|576.54||||
|**Monthly Totals**|**4750.06**|||**-5916.06**|
||||||
|**Recd  Oct 24**|||**10547.00**||
|**Oct 24**|||||
|Torch Fire|129.42||||
|More Creative|462.20||||
|Jordon Greenaway|470.00||||
|Amazon|144.49||||
|Wick|48.15||||
|Comms Express|240.18||||
|Broadband Buyer|876.26||||
|Monthly Totals|2370.70|||2260.24|
||||||



1 



||**Spending**||**Receipts**|**Ringfenced**|
|---|---|---|---|---|
|Nov 24|||||
|Euvevor|291.98||||
|Edwards & Coombs|221.20||||
|More Creative|462.19||||
|CFR Ltd|696.00||||
|Amazon|13.49||||
|Laptops Direct|344.81||||
|Laptops Direct|1540.40||||
|Monthly Totals|3570.07|||-1309.83|
||||||
|Dec 24|||||
|Voucher Store|935.00||||
|Amazon|27.35||||
|Amazon|32.99||||
|Laptops Direct|428.99||||
|T McGrath|235.57||||
|Amazon|48.99||||
|SharkNija|199.99||||
|Amazon|280.13||||
|Total|2189.01|||-3498.84|
||||||
|Jan 25|||||
|Currys|103.99||||
|Amazon|326.29||||
|Amazon|8.99||||
|Amazon|9.99||||
|HBH Woollcott|595.00||||
|Homebase|31.17||||
|Amazon|39.68||||
|Amazon|8.09||||
|Amazon|6.99||||
|Torch Fire|254.14||||
|Monthly Totals|1384.33|||-4883.17|
||||||
|February|||||
|Homebargins|130.79||||



2 



||**Spending**||**Receipts**|**Ringfenced**|
|---|---|---|---|---|
|Amazon|12.40||||
|AJ Products|89.94||||
|Monthly Totals|233.13|||-5116.30|
||||||
|Mar 25|||||
|Amazon|74.99||||
|DoorCare|439.75||||
|Asda|||7031.00||
|Jordon Greenaway|405.00||||
|Dunelm|23.75||||
|H Symons|168.88||||
|Amazon|10.97||||
|Cartridge|288.36||||
|Monthly Totals|1411.70||7031.00|503.00|
||||||



3 



## NC Fund - Food & white goods 

||**Receipts**||**Spending**|**balance**|
|---|---|---|---|---|
|**Aug 24**|||||
|HBH Woollcott’s|||671.00||
||||||
|**Monthly total**|||671.00||
|||||-671.00|
|**Oct 24**|2580.00|||1909.00|
||||||
||||||
||||||
||||||



1 



East JN - Utility Support 

||||**r/fenced balance**||
|---|---|---|---|---|
|**Oct 24**|||||
|**reciptd**|500.00||500.00||
||||||
|**Mar 25**|||||
|Cash|200.00||||
|Cash|200.00||||
|**Monthly Total**|**400.00**||||
||||**100.00**||
||||||



1 



## CC Community Chest 

|**recd May 24**|**250.00**|**food**|**Balance**||
|---|---|---|---|---|
|**recd June 24**|250.00||500.00||
|**Mar 25**|||||
|M Northey|467.72||||
|farm foods|42.22||||
|**Total**|509.94||||
||||||
|**Balance**|0||||
||||||
||||||
||||||



1 



Cornwall Community Foundation - Glass Fund 

|**£1000 recd June**<br>**24**|**1000.00**|**food**|||
|---|---|---|---|---|
|**Mar 25**|||||
|Asda|577.39||||
|R Shearing|300.58||||
|M Northey|139.99||||
|**Totals**|1017.96||||
||||||
|**Balance**|0.00||||
||||||
||||||



1 



## Sainsbury Neighbourly 

||||||
|---|---|---|---|---|
|**Oct 24**|||r/fenced balance||
|**receipt**|500.00||500.00||
|Mar 25|||||
|Cash support|250.00||||
|Cash support|250.00||||
|**Total**|500.00||||
||||||
|**Balance**|||0.00||
||||||
||||||



1 



CCF-Health Improvement Fund/eat well for less 

|**Received March**<br>**24 7040.00**|**spent**|**7040.00**|**r/f balanced**|**utilities**|**milage**|**food**|**equipment**|**Faresare**|||
|---|---|---|---|---|---|---|---|---|---|---|
|Apr 24|||||600.00|2000.00|800.00|1600|budget split:-||
|utilities|433.13||6606.87|1606.87|||||Milage|600.00|
|May 24|||||||||utilities|2040.00|
|utilities|339.87||6267.00|1267.00|||||Fareshare|1600.00|
||||||||||food|2000.00|
|Jun 24|||||||||equipment|800.00|
|internal transfer -<br>kitchen refurb|300.00|||||||||7040.00|
|utilities|251.68|||1015.32|||||||
|**total**|**551.68**||**5715.32**||||||||
||||||||||||
|Jul 24|||||||||||
|utilities|62.42||5652.90|952.90|||||||
|Aug 24|||||||||||
|utilities|290.92||5361.98|661.98|||||||
||||||||||||
|Sep 24|||||||||||
|M Northey/Boiler<br>Juice & utilities|560.06||4801.92|101.92|||||||
||||||||||||
|Oct 24|||||||||||
|utilities|101.92||4700.00|0.00|||||||
|Nov 24|||||||||||
|Amazon|46.71||||||||||
|HBH Woolacotts|180.00||||||||||
|**Total**|226.71||4473.29||||||||
|Dec 24|||||||||||
|internal transfer -<br>fareshare|1600.00||2873.29||||||||
||||||||||||
|**Balances**||||**0.00**|**600.00**|**1953.29**|**320.00**|**0.00**|||
||||||||||||
|Jan 25|||||||||||
|Amazon|||||||119.96||||
|HBH Woolacotts|||||||149.99||||
|R Shearing|||||117.00||||||
|Monthly totals|||||117.00||269.95||||
||||||||||||
|**Balances**|||||**483.00**|**1953.29**|**50.05**||**2486.34**||
||||||||||||
|**Feb 25**|||||||||||
|Amazon|||||||16.98||||
|Monthly totals|||||**0.00**|**0.00**|16.98||||
|Balances|||||**483.00**|**1953.29**|**33.07**||**2469.36**||
||||||||||||
|Mar 25|||||||||||
|Asda||||||500.00|||||
|R Shearing||||||392.92|||||
|Aldi|1500|||||1500.00|||||
|Monthly totals|||||0.00|2392.92|0.00||||
|Balances|||||483.00|-439.63|33.07||**76.44**||



1 



COL-Cornwall Comm Surviving Winter 2024 - £8000 food, £2000 support fund.  £5000 recd 

|**Recd Dec 2023-**<br>**£5000 another £5K**<br>**received Feb 2024,**<br>**additional funding**<br>**received**<br>**throughout year**<br>**see below:-**|**8000**|**Balance for**<br>**Food**|**2000.00**|**Balance for**<br>**support**|**Total balance**<br>**remaining**|
|---|---|---|---|---|---|
|**December**||||||
|Malcolm Barnicutt|10.65|||||
|Asda|36.45|||||
|M&S|90.26|||||
|Tesco|40.80|||||
|Asda|90.87|||||
|Tesco|40.40|||||
|Costa|26.60|||||
|Tesco|37.80|||||
|farm foods|99.21|||||
|Melissa Northey|179.05|||||
|**Monthly Total**|**652.09**|||||
|**Balances**||**7347.91**||**2000.00**|**9347.91**|
|**January**||||||
|J Lavender|40.49|||||
|Melissa Northey|109.46|||||
|Melissa Northey|213.38|||||
|R Shearing|175.80|||||
|Melissa Northey|318.97|||||
|farm foods|100.72|||||
|Co op|||50.00|||
|Iceland|95.10||40.00|||
|Melissa Northey|241.75|||||
|**Monthly Totals**|**1295.67**||**90.00**|||
|**Balances**||**6052.24**||**1910.00**|**7962.24**|
|**February**||||||
|Melissa Northey|272.07|||||
|Melissa Northey|262.50|||||
|Cash|||200.00|||
|Sainsburys|||89.15|||
|Amazon|30.00|||||
|Asda|39.18|||||
|farm foods|49.50|||||



1 



|**Recd Dec 2023-**<br>**£5000 another £5K**<br>**received Feb 2024,**<br>**additional funding**<br>**received**<br>**throughout year**<br>**see below:-**|**8000**|**Balance for**<br>**Food**|**2000.00**|**Balance for**<br>**support**|**Total balance**<br>**remaining**|
|---|---|---|---|---|---|
|Tesco|59.31|||||
|Asda|128.48|||||
|Asda|234.46|||||
|Cash|||200.00|||
|Asda|53.50|||||
|Asda|88.82|||||
|Cash|||250.00|||
|J Lavender|33.71|||||
|R Shearing|108.50|||||
|Mc Donalds|7.90|||||
|Mc Donalds|13.77|||||
|Lidl|49.01|||||
|Asda|59.36|||||
|Asda|115.44|||||
|Aldi|145.21|||||
|Tesco|178.32|||||
|Asda|193.03|||||
|Asda|210.04|||||
|Cash|||100.00|||
|Amazon|76.15|||||
|Asda|77.93|||||
|Melissa Northey|237.29|||||
|Asda|58.40|||||
|Cash|||250.00|||
|Spar|6.00|||||
|Amazon|12.50|||||
|Amazon|11.98|||||
|Amazon|4.23|||||
|**Monthly Total**|**2816.59**||**1089.15**|||
|**Balances**||**3235.65**||**820.85**|**4056.50**|
|**Mar 24**||||||
|Spar|7.79|||||
|Asda|10.31|||||



2 



|**Recd Dec 2023-**<br>**£5000 another £5K**<br>**received Feb 2024,**<br>**additional funding**<br>**received**<br>**throughout year**<br>**see below:-**|**8000**|**Balance for**<br>**Food**|**2000.00**|**Balance for**<br>**support**|**Total balance**<br>**remaining**|
|---|---|---|---|---|---|
|Camelford<br>Hardware|16.85|||||
|Melissa Northey|187.07|||||
|Melissa Northey|252.30|||||
|Melissa Northey|352.05|||||
|Melissa Northey|562.97|||||
|Co op|||50.00|||
|Cash|||250.00|||
|Tina Mc Grath|1620.07|||||
|farm foods|95.59|||||
|Aldi|33.80|||||
|Tesco|63.55|||||
|Cash|||250.00|||
|Melissa Northey|84.00|||||
|R Shearing|97.65|||||
|||||||
|**Monthly Total**|**3384**||**550.00**|||
|**Balances**||**-148.35**||**270.85**|**122.50**|
|||||||
|**April 2024**||||||
|Cash|||250.00|||
|Monthly Total||||||
|Balances||||-127.50|0.00|
|||||||
|**recd June 24**|5000.00|||||
|Asda|91.85|||||
|Post ofce|180.00|||||
|Asda|300.00|||||
|Aldi|500.00|||||
|R Shearing|104.93|||||
|M Northey|300.00|||||
|Aldi|500.00|||||
|Post ofce|250.00|||||
|Asda|500.00|||||



3 



|**Recd Dec 2023-**<br>**£5000 another £5K**<br>**received Feb 2024,**<br>**additional funding**<br>**received**<br>**throughout year**<br>**see below:-**|**8000**|**Balance for**<br>**Food**|**2000.00**|**Balance for**<br>**support**|**Total balance**<br>**remaining**|
|---|---|---|---|---|---|
|Post ofce|250.00|||||
|Post ofce|250.00|||||
|Post ofce|250.00|||||
|total|3476.78||||1523.22|
|||||||
|additional funding<br>received**July 24**<br>£5K||3000.00||2000.00||
|**New Balances**||**4523.22**||**2000.00**|**6523.22**|
|co-op|||50.00|||
|Cash|||250.00|||
|R Shearing|67.51|||||
|M Northey|650.00|||||
|Hilltop|43.55|||||
|Asda|66.03|||||
|Hilltop|39.05|||||
|Hilltop|23.85|||||
|Asda|82.55|||||
|Amazon|10.19|||||
|Hilltop|26.80|||||
|Spar|5.35|||||
|Hilltop|98.80|||||
|Aldi|59.77|||||
|Spar|10.17|||||
|R Shearing|338.35|||||
|Monthly Totals|1521.97||300.00||1821.97|
|Balances||3001.25||1700.00|4701.25|
|||||||
|Aug 24||||||
|R Shearing|85.00|||||
|R Shearing|155.44|||||
|R Shearing|251.62|||||
|Asda|44.28|||||
|cash|||250.00|||
|Home Bargins|22.75|||||



4 



|**Recd Dec 2023-**<br>**£5000 another £5K**<br>**received Feb 2024,**<br>**additional funding**<br>**received**<br>**throughout year**<br>**see below:-**|**8000**|**Balance for**<br>**Food**|**2000.00**|**Balance for**<br>**support**|**Total balance**<br>**remaining**|
|---|---|---|---|---|---|
|Cash|||250.00|||
|R Shearing|341.17|||||
|M&S|34.90|||||
|Amazon|3.65|||||
|Amazon|8.91|||||
|Amazon|14.99|||||
|Amazon|19.95|||||
|Asda|46.68|||||
|Cash|||250.00|||
|J Lavender|61.29|||||
|R Shearing|200.76|||||
|Amazon|||8.99|||
|Amazon|||21.98|||
|Amazon|||34.99|||
|Asda|||170.60|||
|R Shearing|65.15|||||
|Hilltop|41.10|||||
|M Northey|209.50||90.25|||
|Monthly Totals|1607.14||1076.81||2683.95|
|Balances||1394.11||623.19|2017.30|
|||||||
|Sep 24||||||
|additional funding<br>received Sept 24||3000.00||2000.00||
|**New Balances**||**4394.11**||**2623.19**|**7017.30**|
|Sainsburys|6.80|||||
|Sainsburys|12.80|||||
|Sainsburys|20.80|||||
|Sainsburys|20.80|||||
|Sainsburys|20.80|||||
|Sainsburys|20.80|||||
|Tina Mc Grath|60.15|||||
|Peckish|30.35|||||
|Asda|92.63|||||



5 



|**Recd Dec 2023-**<br>**£5000 another £5K**<br>**received Feb 2024,**<br>**additional funding**<br>**received**<br>**throughout year**<br>**see below:-**|**8000**|**Balance for**<br>**Food**|**2000.00**|**Balance for**<br>**support**|**Total balance**<br>**remaining**|
|---|---|---|---|---|---|
|Cash|||250.00|||
|B&M|69.16|||||
|Morrisons|92.93|||||
|Asda|67.65|||||
|Spar|7.48|||||
|Spar|12.98|||||
|Cash|||250.00|||
|Aldi|2000.00|||||
|Spar|4.70|||||
|R Shearing|||300.78|||
|Cash|||250.00|||
|M&S|62.12|||||
|Iceland|105.27|||||
|Cash|||250.00|||
|M Northey|67.40|||||
|R Shearing|||309.15|||
|Monthly Total|2775.62||1609.93||4385.55|
|Balances||1618.49||1013.26|2631.75|
|||||||
|Oct 24||||||
|Spar|10.56|||||
|Asda|53.27|||||
|Monthly Total|63.83|||||
|Balances||1554.66||1013.26|2567.92|
|||||||
|Nov 24||||||
|rec from Cornwall<br>Community|3000.00||2000.00|||
|**New Balances**||**4554.66**||**3013.26**|**7567.92**|
|M Northey|283.54|||||
|M Northey|352.36||50.00|||
|R Shearing|204.49||273.48|||
|M Northey|527.30||589.72|||
|Asda|||40.00|||



6 



|**Recd Dec 2023-**<br>**£5000 another £5K**<br>**received Feb 2024,**<br>**additional funding**<br>**received**<br>**throughout year**<br>**see below:-**|**8000**|**Balance for**<br>**Food**|**2000.00**|**Balance for**<br>**support**|**Total balance**<br>**remaining**|
|---|---|---|---|---|---|
|R Shearing|||78.95|||
|M Northey|246.80|||||
|R Shearing|429.36|||||
|M Northey|168.08|||||
|Asda|36.37|||||
|R Shearing|||344.44|||
|Monthly Totals|2248.30||1376.59|||
|**New Balances**||**2306.36**||**1636.67**|**3943.03**|
|||||||
|**Dec 24**||||||
|Amazon|||73.29|||
|M Northey|638.05|||||
|HBH Woollcotts|||179.99|||
|R Shearing|||291.33|||
|Cash|||250.00|||
|M&S|114.15|||||
|Asda|66.27|||||
|Aldi|119.94|||||
|M Northey|250.21|||||
|M Northey|460.16||98.50|||
|Cash|||250.00|||
|Cash|||250.00|||
|Totals|1648.78||1393.11|||
|**New Balances**||**657.58**||**243.56**|**901.14**|
|||||||
|**Jan 25**||||||
|Amazon|||53.12|||
|M Northey|256.49|||||
|R Shearing|367.34|||||
|Cash|||250.00|||
|Cash|||250.00|||
|Totals|623.83||553.12||1176.95|
|**New Balances**||**33.75**||**-309.56**|**-275.81**|
|||||||



7 



|**Recd Dec 2023-**<br>**£5000 another £5K**<br>**received Feb 2024,**<br>**additional funding**<br>**received**<br>**throughout year**<br>**see below:-**|**8000**|**Balance for**<br>**Food**|**2000.00**|**Balance for**<br>**support**|**Total balance**<br>**remaining**|
|---|---|---|---|---|---|
|**Feb 25**||||||
|funding recd|3000.00||2000.00|||
|**New Balances**||**3033.75**||**1690.44**|**4724.19**|
|Home Bargins|108.30|||||
|Amazon|||37.50|||
|Amazon|||14.57|||
|R Shearing|475.90||179.34|||
|M Northey|208.61|||||
|R Shearing|||220.52|||
|Cash|||250.00|||
|Cash|||250.00|||
|Amazon|11.25|||||
|Cash|||250.00|||
|Aldi|87.00|||||
|Tesco|136.36|||||
|Cash|||250.00|||
|Totals|1027.42||1451.93|||
|**Balances**||**2006.33**||**238.51**|**2244.84**|
|**revised at end**<br>**march**||||**1974.12**||
|||||||
|**Mar 25**||||||
|Asda|60.92|||||
|M Northey|209.80|||||
|Aldi|||2000.00|||
||||||2270.72|
|Totals|270.72||2000.00|||
|||1735.61||-25.88||
|Transfer food<br>budget to SF<br>budget||0.00||||



8 



Asda Foundation grant 

||**Food/Pet Food/**<br>**Hyg products**|**Cooking**<br>**Ingredients**|**Volunteer Exp**|**Utilities - Electric**|**Ring fenced**<br>**Balance**|
|---|---|---|---|---|---|
|**opening balance**<br>**April 24**|1537.30|300.00|200.00|200.00|2237.30|
|**recd Oct 24**|1000.00|||||
|**New Balances**|**2537.30**||||**3237.30**|
|||||||
|**Nov 24**||||||
|Amazon|119.99|||||
|Homebase|15.40|||||
|Totals|135.39|||||
|**New Balances**|**2401.91**|**300.00**|**200.00**|**200.00**|**3101.91**|
|||||||
|Dec 24||||||
|EDF/electric||||178.78||
|**New Balances**|**2401.91**|**300.00**|**200.00**|**21.22**|**2923.13**|
|||||||
|**Jan 25**||||||
|Ionos||||8.44||
|Wildanet||||12.78||
|||||**21.22**||
|**New Balances**|**2401.91**|**300.00**|**200.00**|**0.00**|**2901.91**|
|||||||
|**Feb 25**||||||
||||||**2901.91**|



1 



## Co-op 

|**recd June 2023**<br>**(1000) &**<br>**November**<br>**(2368.68) & March**<br>**2024 of £1116.89.**<br>**Recd Nov 24**<br>**1937.77**|**Spending**|**6423.54**|**ring fenced**<br>**balance**||
|---|---|---|---|---|
|**recd March 24**<br>**£500**|||||
|**Nov 24**|||||
|Mark Edwards|157.50||6266.04||
||||||
|**Balance**|||6766.04||
|Recd March 25||500.00|||
|**Balance**|||**7266.04**||
||||||
||||||
||||||



1 



Omicrom grant - ring fenced for staffing & related costs 

|**Cornwall Council**|**4000.00**||**Balance**||
|---|---|---|---|---|
|Opening Balance|||1670.25||
|April 2023|||||
|May|||||
|Amazon|47.48||||
|Amazon|3.49||||
|**Total**|50.97||1619.28||
||||||
|**June**|||||
|Homebase|36.00||||
|Homebase|30.00||||
|Amazon|19.98||||
|Total|85.98||1533.30||
||||||
|**July**|||||
|Amazon|39.99||1493.31||
||||||
|**August**|||||
|Amazon|39.99||1453.32||
||||||
|**September**|||||
|Amazon|20.00||1433.32||
||||||
|**October**|||||
|Rebecca Shearing|327.60||1105.72||
||||||
|**November**|||||
|Peck ish|27.40||||
|PRI|138.58||||
|Amazon|11.78||||
|Amazon|20.00||||
|Amazon|35.88||||
|Amazon|4.99||||
|Amazon|17.13||||



1 



|**Cornwall Council**|**4000.00**||**Balance**||
|---|---|---|---|---|
|Amazon|11.69||||
|Amazon|5.99||||
|Amazon|39.18||||
|Total|312.62||793.10||
||||||
|December|||||
|Amazon|17.98||||
|Amazon|16.67||||
|Amazon|17.10||||
|Amazon|16.95||||
|Argos|86.73||||
|Spar|9.00||||
|Total|164.43||628.67||
||||||
|January|||||
|Amazon|12.50||||
|Amazon|82.99||||
|Amazon|9.00||||
|Total|104.49||524.18||
||||||
|February|||||
|Amazon|14.99||||
|Amazon|6.50||||
|Melissa Northey|47.99||||
|Total|69.48||454.70||
||||||
|April 2024|||||
|SQ Reed|12.00||||
|Amazon|23.39||||
|Amazon|47.53||||
|Screwfx|61.98||||
|Total|144.9||309.80||
||||||
|May 2024|||||



2 



|**Cornwall Council**|**4000.00**||**Balance**||
|---|---|---|---|---|
|SQ Reed|36.00||||
|Camelford H/ware|3.99||||
|Amazon|2.95||||
|Screwfx|44.98||||
|Total|87.92||221.88||
||||||
|Jun 24|||||
|Amazon|6.00||||
|Post ofce|13.75||||
|Amazon|1.75||||
|M J Houle|47.98||||
|Amazon|5.99||||
|total|75.47||146.41||
||||||
|Jul 24|||||
|Amazon|6.94||||
|Amazon|7.19||||
|Amazon|9.99||||
|Amazon|19.99||||
|total|44.11||102.30||
||||||
|Aug 24|||||
|Asda|39.99||62.31||
||||||
|Sep 24|||||
|Spar|1.49||60.82||
||||||
|Jan 25|||||
|Post ofce|8.35||52.47||
||||||
|Feb 25|||||
|Camelford H/ware|3.49||||
|Camelford H/ware|9.99||||
|total|13.48||38.99||



3 



|**Cornwall Council**|**4000.00**||**Balance**||
|---|---|---|---|---|
||||||
|Mar 25|||||
|Amazon|25.90||13.09||
||||||



4 



Table 1 

|**Donations**|||
|---|---|---|
|**Apr 24**|||
|P Thomas|20.00||
|T Foster|60.00||
||||
|**May 24**|||
|P Thomas|20.00||
||||
|**Jun 24**|||
|P Thomas|20.00||
||||
|**Jul 24**|||
|E&J McCormick|50.00||
|P Thomas|20.00||
||||
|**Aug 24**|||
|E&J McCormick|50.00||
|P Thomas|20.00||
||||
|**Sep 24**|||
||||
|E&J McCormick|50.00||
|P Thomas|20.00||
|totals|70.00||
||||
|Oct 24|||
|P Thomas|20.00||
||||
|Dec 24|||
|J E Corton|25.00||
|EJ&A McCormick|50.00||
|RP&PA Cotta|50.00||
|**Totals**|125.00||



1 



Donations

## received September 2023 

|**amount recd**|**2000.00**||**Balance**||
|---|---|---|---|---|
|**Jan 24**|||||
|R Shearing|198.90|vol exp|1801.10||
||||||
|**Feb 24**|||||
|Melissa Northey|64.80|vol exp|||
|R Shearing|244.80|vol exp|||
|**Total**|**309.60**||**1491.50**||
||||||
|**April 2024**|||||
|J Lavender|51.85||||
|Melissa Northey|52.50||||
|R Shearing|112.61||||
|Melissa Northey|263.99||||
|Total|**480.95**||**1010.55**||
||||||
|**May 2024**|||||
|R Shearing|193.05||||
|Melissa Northey|698.46||||
|Aldi|32.60||||
|R Shearing|88.20||||
|Melissa Northey|283.60||||
|Totals|1295.91||-285.36||



1 



## Local Giving 

|**recd June 2023**|**500.00**||
|---|---|---|
|**Nov 24**|||
|M Northey|500.00||
||||
|**Balance**|**0.00**||
||||
||||
||||
||||
||||



1 



Kitchen Refub project 

|**June 2024**|**recd**|**spent**|**balance**||
|---|---|---|---|---|
|internal transfer -<br>Fareshare|300.00||||
|internal transfer -<br>Eat well for less|300.00||||
|Camelford Walkers|100.00||||
|Llorente|150.00||850.00||
|Woolacotts||750.00|||
||||100.00||
|Sept 24|Transfer balance to<br>main rerun - OBMF||0.00||
||||||
||||||



1 



CHARITY COMMISSION
FOR ENGLAND AND WALES
Independent examiner's report on the
accounts
' Independent Examinerfs Report
Report to the trustees
The Old Bank Camefford
On accounts for the year
ended
Charity no
(if any)
31st March 2025
1171931
Set out on pages
I report to the trustees on my examination of the
ccounts of the above
charity <"the Trust.) for the year endedsll oif20¥ /(.
As th8 charity's trust888, YOU 8re responsib18 for the prep8r8tion of the
accounts in accordance wrth the requirements of the Charrties Act 2011
(tthe Actl.
Re8pon8ibilities and
basis of report
I report in respect of my ex8min8tion of the Trusfs accounts carried out
under section 145 of the 2011 Act and in carrying out my examination, I
have followed all the applicable Directions given by the Charity Commission
under section 145(5)(b) of the Act.
Independent tThe charity's gross income exceeded £250.000 and l am qualrfied to
examiner's statement undertake the examination by being a qualifièd member of Eio88th
. ICAKwi
I have completed my examination. I confirm that no matenal matters have
come to my attention in connection wth the examlnation {other than that
disclosed below ') which gr4es rne cause lo believe that in, any material
respect:
the accounting records were not kept in accordance with section 130
of the Charrties Act: or
the accounts did not 8ccord with the accounting records., or
the accounts did not comply with the applicable requirements
concerning the form and content of accounts sei out in the Charities
(Accounts and Reports) Regulations 2008 other than any requirement
that the accounis give a 'true and fair, view which is not 8 matter
considered as part of an independent examination,
I have no concerns and have come across no oth8r m8tt8rs in conn8Ction
with the examination to which attention should be drawn in this report in
order to enable a proper understanding of the accounts to be reached.
Please delete the words in the brackets rf they do not apply.
Signed:
Date:
Zoz
Nama:
Mr Mark J
nes FCA
Relevant professional
qualification{s) or body
ICAEW
IER
Oct 2018

(Ifany): ￿._.
Address".
No 7 Sportsmans
Camelford
Cornwall PL32 9QT
Section B
Dis¢108ure
Only complete it the examiner needs to highlignt material matters of concern
(see CC32, Independent examination of charity accounts. directions and
guidance for examiners).
Give here brief details of
any iterns that the
oxamingr wishes to
disclose.
IER
Oct 2018