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

Trustees' Annual Report for the period

Period start date Period start date Period end date Period end date
**From ** 1st January 2021 To 31st December 2021

Section A Reference and administration details

Charity name[THE PAROCHIAL CHURCH COUNCIL OF THE ] ECCLESIASTICAL PARISH OF ST JOHN, WALTHAMSTOW

Other names charity is known by St John’s PCC, Walthamstow

Registered charity number (if any) 1179140

Charity's principal address 18 Brookscroft Road,

Walthamstow Postcode E17 4LH

Names of the charity trustees who manage the charity

1
2
3
4
5
6
7
8
9
10
11
12		 Trustee name Office (if any) Dates acted if not for whole
**year **		 Name of person (or body) entitled
to appoint trustee (ifany)
Revd Kieran Bush Chair
Mrs Ann Nurcombe Churchwarden
Mr Stuart Christie Churchwarden
Mr Graham Belsham PCC Secretary
Mr Tim Cole
Ms Diane Collins
Mr Orall Cornelius
Miss Lydia Dyer Until 31stJuly2021
Mr Jerome Ilenotuma Treasurer
Mr AnthonyLui From 23rdMay2021
Mr Benjamin Raymond Until 23rdMay2021
Mr Rajesh Thanasingh

Section B Structure, governance and management

Description of the charity’s trusts

The Parochial Church Councils (Powers) Measure 1956 as amended and Type of governing document the Church Representation Rules (contained in Schedule 3 to the (eg. trust deed, constitution) Synodical Government Measure 1969 as amended). Trust

Type of governing document

How the charity is constituted

(eg. trust, association, company)

The method of appointment of PCC members is set out in the Church Trustee selection methods Representation Rules. All regular church attendees are encouraged to (eg. appointed by, elected by) register on the Electoral Roll and we look to encourage those who share our aims (see below) to stand for election to the PCC.

Additional governance issues (Optional information)

March 2012

TAR

Page 1

You may choose to include additional information, where relevant, about:

Trustees are inducted and reminded of their duties each year in the first PCC meeting after the Annual Parochial Church Meeting.

Trustees receive information and training annually linked to Safeguarding, GDPR and conflicts of interest.

Section C Objectives and activities

Summary of the objects of the charity set out in its governing document

St John’s PCC has the responsibility of co-operating with the incumbent, the Revd Kieran Bush, in promoting in the ecclesiastical parish the whole mission of the Church, pastoral, evangelistic, social and ecumenical. It also has maintenance responsibilities for the church buildings.

The PCC’s charitable objects (‘Promoting in the ecclesiastical parish the whole mission of the Church’) are primarily focused on the advancement of religion, which is recognised as a charitable purpose having public Summary of the main benefit. All regular public worship is provided free of charge and open to activities undertaken for the all. In addition, the PCC’s activities have further public benefits; for public benefit in relation to example, teaching and taking assemblies offer advancement of these objects (include within education which is recognised as a charitable purpose having public this section the statutory benefit. Donations to other charities and our own projects provide public declaration that trustees have benefits in the relief of poverty and need, whether within or outside the had regard to the guidance ecclesiastical parish, often for minority groups with particular needs such issued by the Charity as the elderly. Commission on public benefit) All trustees have received the guidance issued by the Charity Commission on public benefit and hereby declare that we have continued to focus on the public benefit that our charity provides.

Additional details of objectives and activities (Optional information)

You may choose to include The PCC does not have a formal grant making policy, nor does it have a further statements, where business plan. It will bear in mind it’s charitable purpose and those relevant, about: promoting a Bible-based evangelical faith when determining who will receive grants.

• policy programme related The PCC is very grateful to all those who give their time to volunteer in investment; the life of the church. These volunteers undertake a variety of roles in line with the objectives and activities of the Charity.

March 2012

TAR

Page 2

Section D Achievements and performance

Achievements and performance
Church attendance
There are 99 parishioners on the Church Electoral Roll, 46 of whom are not resident within
the parish. 5 names were added during the year and 6 were removed either because they
moved away from the parish or no longer attended. The average weekly attendance,
counted (as far as possible using in person figures + Zoom figures) during October, was 71
(56 adults and 15 children). Due to Covid-19 this number did not increase significantly at
festivals.
Review of the year
Covid continued to provide significant challenges in 2021, personally - as we were all
affected by the ongoing lockdown regulations, spiritually – due to the continuing challenges
and obstacles to meeting together and practically – including the loss of rental income.
However, the trustees recognise we have so much to be thankful for in 2021 including:
•
God, the gospel and our vision being entirely unchanged.
•
Christians and non-Christians growing in confidence of what we have been taught
about Jesus (especially through Luke’s gospel)
•
Christians fixing our eyes on Jesus and seeing afresh how brilliant our great Lord
Jesus is and why we must stick with Him (through Hebrews).
•
Opportunities to share Jesus with others
•
People speaking the truth in love to one another in Bible Studies and growing in our
knowledge and love of Jesus through Bible Studies in Mark’s gospel, in the Course
of your Life and through prayer meeting thoughts on Ezra
•
Many regulars returning to church along with some new people, and many
continuing to join us online.
•
God blessing us greatly through the ministries of our Women and Families’ workers
- Lydia Dyer (up to the end of July) and Cori Bromfield (from the start of August).
•
God’s ongoing wonderful practical and financial provision for us.
Post-Covid, the PCC resolved to:
•
remain with 1 main Sunday service at 10.00am,
•
seek to give an even greater priority to Children and Families (but not at the
expense of our older generation)
•
seek to make the most of our new Women and Families’ worker
•
continue stewarding the resources God has given us wisely – especially continuing
to upgrade our building.
•
pay our Parish Share via the Essex and East London Good Stewards’ Trust.
The full PCC met 3 times during the year with an average level of attendance of 75
percent. The standing committee (comprising the Incumbent, Wardens and Lydia Dyer /
Cori Bromfield (Women and Families’ Workers) met occasionally to discuss and implement
day-to-day maintenance issues and administration, and also communicated via email,
WhatsApp and Zoom.
Once again, the church has been very ably served by our servant-hearted and very gifted
Oak Hill students: Jez Day (and his wife Rachel), Tom Woodbridge (and his wife Rosie)
and James Doo. We have also been served by a number of visiting preachers.
In March 2022, the PCC agreed updatedpriorities for 2022as follows:
2022 Priorities:We want to see North Walthamstow transformed by Jesus one life at
a time
1)Nurture (= growing disciples of all ages)– people of all ages growing as disciples
of Christ is God’s work, by his Spirit as his people prayerfully speak his word.
Therefore, we are committed to hearing God speak to us through the Bible,
depending on Him in prayer and learning to follow our Lord Jesus together.Aims:

Achievements and performance Summary of the main Church attendance achievements There are 99 parishioners on the Church Electoral Roll, 46 of whom are not resident within of the charity the parish. 5 names were added during the year and 6 were removed either because they during the moved away from the parish or no longer attended. The average weekly attendance, year counted (as far as possible using in person figures + Zoom figures) during October, was 71 (56 adults and 15 children). Due to Covid-19 this number did not increase significantly at festivals. Review of the year Covid continued to provide significant challenges in 2021, personally - as we were all affected by the ongoing lockdown regulations, spiritually – due to the continuing challenges and obstacles to meeting together and practically – including the loss of rental income. However, the trustees recognise we have so much to be thankful for in 2021 including:

March 2012

TAR

Page 3

Section D Achievements and performance

i) praying for God to grow disciples among adults through Bible teaching specifically :

ii) praying for God to grow disciples among children & young people -in Crèche, Messy Church, Jelly Tots, All Stars + Youth - specifically, recruiting new leaders across all groups; restarting Jelly Tots (=Little Fishes); leading All Stars ourselves; growing numbers attending regularly-especially Youth; keep discipling young people. - iii) praying for God to equip us to speak the truth in love/nurture one another specifically, to equip 3 new service leaders; promote showing and speaking love to one another, especially during KB’s sabbatical; send Tim Cole for training at the Cornhill Training Course; recommend & provide training options for all leaders. 2) Evangelism (= making disciples of all nations) – people of all nations becoming disciples of Christ is God’s work, by his Spirit as his people prayerfully speak his word – therefore 3 of our values are: loving Jesus, one another and everyone in North Walthamstow and beyond; serving Jesus and people wholeheartedly; and sharing the good news of Jesus with everyone everywhere. Aims: i) praying for God to make new disciples -as the gospel message is proclaimed on Sundays, at all our groups and meetings, 1-2-1 and at regular Christianity/Hope Explored courses. Specifically, we aim to partner with local churches in the A Passion for Life mission, follow up effectively and continue our termly ‘guest’ services. ii) praying for God to prompt us to increasingly go out from church to seek to share the good news of Jesus with everyone everywhere –family, friends, work colleagues, neighbours, at the school gate etc. Specifically, we aim to move towards starting a doorto-door visiting team & community event evangelistic stalls in 2023. iii) praying for God to continue enabling us to communicate our church vision more effectively by updating our church publicity in line with our ‘rebrand.’ Specifically, new welcome packs, flyers, posters + social media. iv) praying for God to restore/grow our evangelistic outreach to schools – specifically, growing our offer to Primary Schools – lessons, assemblies, lunchtime clubs. v) praying for God to help us make the most of Christmas 2022 – specifically, building on our walk-through nativity, carols on street corners, and God-willing Covid-free carol services. 3) Seeking to flourish during the vicar’s sabbatical & beyond, specifically by inviting good outside speakers, encouraging the church family to serve in new ways, and reflecting / learning lessons well afterwards. 4) Consider employing a Trainee Minister to grow discipleship + evangelism among men, families & schools specifically, KB proposes employing Tim Cole from September 2022 to serve in all these ways (in purple). 5) Seeking God’s will about future Building Plans – St John’s PCC are committed to stewarding our God-given resources as well as possible to further our vision over the long term. Specifically, we aim to: • consider plans to build flats on the garden area - seeking to maximise long-term gospel opportunities • update our current buildings by: adding a new toilet area, upgrading the foyer + corridor areas, clearing / selling redundant church furniture, re-carpeting + redecorating the vicarage, planning for a major upgrade to our upstairs meeting space in 2024.

March 2012

TAR

Page 4

Section D Achievements and performance

6) Generosity – God has blessed us abundantly-first in Christ, second with Bible teachers, and third with practical resources, we want to steward God’s provision wisely in order to safeguard and establish ongoing gospel ministry at St John’s and beyond for future generations: specifically, we aim to:

In 2021, three major areas of building work were completed:

• repointing an external wall In addition, a faculty was successfully applied for to remove old furniture and some of this started. The PCC has discussed and taken the following actions: Employed a new Women and Families’ Worker and a new cleaner. Agreed updated rental agreements Agreed to consider employing Tim Cole as a Trainee Minister from September 2022. With regard to the PCC's obligations to safeguard children and vulnerable adults, the members of the PCC confirm that they have complied with their duties under section 5 of the Safeguarding and Clergy Discipline Measure 2016. The last quinquennial inspection was held in August 2018.

The following Urgent repairs were identified. Items 1-3 (below) relate to the 2013 Quinquennial and were completed before 2018. Items 5-8 were dealt with before the end of 2019. Item 4 was investigated and completed in December 2020. 1 Ensure that former chancel eaves gutters have watertight west stop-ends. 2 Investigate and eliminate cause of sagging floor in women’s lavatory. 3 Repair masonry and concrete floor at top of bell turret. 4 Engage a specialist to investigate the lagging in the south west corner of the former boiler. If asbestos is found it must be removed by a specialist. 5 Re-seal failing mastic joint to basins in ladies WC. 6 Emergency escape doors to the south – repoint areas of missing around door. 7 Check validity of Gas Engineer certificate with church Diocese and the church insurers. 8 Gate posts to south east corner in need of urgent rebuilding and stabilisation work. The pier is loose to the top and the wall panel is loose, both of which could fall and cause injury.

March 2012

TAR

Page 5

Section E Financial review

Section E Financial review
Brief statement
of the charity’s
policy on
reserves
Details of any
funds
materially in
deficit		 Our new reserves policy states that:
The PCC aims to keep 3 months running costs (including salary costs) in cash reserves
in case of a major problem (=£50,000).
The PCC was already seeking to reduce our reserves (through building upgrades in 2019
and salary costs). Given short term uncertainties, the PCC will not actively seek to reduce
reserves faster than this but will review this policy in advance of future budget meetings.
N/A

Further financial review details (Optional information)

Youmay
chooseto
include
additional
information,
where relevant
about:
•
the charity’s
principal
sources of
funds
(including
any
fundraising);
•
how
expenditure
has
supported
the key
objectives of
the charity;
•
investment
policy and
objectives
including any
ethical
investment
policy
adopted.		 The primary source of income is the giving of church members, together with Gift Aid &
GASDS received on these donations. This is either through planned giving, church
collections or other donations. Being a
local church we know our regular donors, and the giving of visitors is at a low level in
relation to our overall income.
St John's receives income from renting parts of the Church building to local businesses
and charities.
Fees in line with Church of England guidelines are charged for occasional services e.g.
weddings and funerals.
From time to time we may apply for grants for maintenance of our building to English
Heritage, the Listed Places of Worship Grant Scheme or some other heritage
grantmaker. We may also apply to the Diocese or other grantmakers including London
over the Border for support with other projects the PCC wishes to undertake in
furtherance of its charitable objects.
Each year the PCC agrees a budget which is in line with the overall objectives as defined
above and the specific priorities for the year ahead. This involves seeking to maintain in
good condition the buildings and land the trustees are responsible for.
Financial Update to the end of 2021:
Summary:Over the past 2 years, it feels like the world has been turned almost
completely upside down.And yet, God has again provided wonderfully for St John’s.
•
Normally, we would have expected rental income to remain the same or slightly
higher than 2019. In 2019 we received just over £100k rental income. For 2021-
22 we received £170k. £30k less than we might have expected.
•
Normally, we would have expected to receive £10k per year of London over the
Border (LOB) Youth work grants, and possibly further LOB money towards
building improvements. During 2021-22 we received £5k. £15k less than we
might have expected.
So, across these 2 years, we have received at least £45k less rent and grant
income than we might have expected.
However, we were able to make around £10k of savings on youth work, utilities, and
cleaning/consumables.
We have continued making building upgrades, spending just over £20k in 2020-21:
removing asbestos and pigeons (while improving protection so hopefully neither comes
back!); and upgrading the disabled toilet.
And yet, despite all these challenges, through God’s provision, generous giving
from the church family and some wise stewardship, over 2020-21 our accounts
have seen a surplus of over £10k. Praise God indeed!

March 2012

TAR

Page 6

Now for a few more details. First, as ever, a massive thank you to Jerome for all his work as our treasurer and to Ann and Graham who oversee so many of our financial activities day-to-day and reclaim gift aid.

Income

Giving - The major headline is that our giving as a church family has increased significantly . After a brief peak (in part linked to money from Aly’s death in 2016) which continued into 2017, total income from giving stabilised at close to £45k for the past 3 years. However, in 2021, we received over £55k – an increase of almost 20%. We will also be able to reclaim gift-aid on a much higher proportion of this in 2022. Praise God! Rental income - Covid meant Vestry School of Dance was unable to use our building for much of 2021, and due to restrictions, we charged them much lower rent. We received £94k in rent in 2021. However, around £6k was outstanding rent owed by WMS from 2020. Nevertheless, Praise God!

Other – we did not receive any grants in 2021 and we are no longer receiving (or paying) rent on 55 Brookscroft Road (£20k in 2020).

Our total income is was slightly up on 2020 - £162k compared to £159k. Praise God!

Expenditure

Parish share – This remains our single biggest outlay (£53k). The PCC decided to pay this via the Essex and East London Good Stewards Trust. (which KB chairs). Practically, this has worked really well. Praise God!

Building Upgrades – We did not pay the bill for removing asbestos in 2020, so that appears in 2021 accounts. This means the total expenditure on building upgrades in 2021 was over £19k. The major bills were: asbestos (£6.7k), pigeon removal and protection(£3.5k), wall pointing(£1.5k) and disabled toilets(£7k). We hoped to upgrade the downstairs foyer flooring(£3k), but this work has yet to be scheduled. Nevertheless, Praise God!

Other – as expected we spent more on Youth and Children’s work, Music and Worship, and Cleaning and Consumables, however, we spent less on Outreach and Evangelism, and Office running costs. As with income, we no longer pay to rent 55 Brookscroft Road (£21k in 2020).

Our total expenditure was slightly lower than 2020 - £154k compared to £157k. Praise God! Overall in 2021 our accounts show a surplus of over £8k. Given the loss of rental income etc, this is a massive encouragement. The major difference congregational giving. Praise God for His wonderful ongoing provision for our church family! Reserves: This means that by the end of 2021, our reserves are close to £130k in reserves. This is a very healthy place to be. Praise God! God-willing, this means we are well placed not only to carry out the expenditure we want to make in 2022, but also as we look ahead to 2024 and our hopes to upgrade our main meeting space.

St John’s are able to continue functioning for the foreseeable future.

Section F Other optional information

Section G Declaration

The trustees declare that they have approved the trustees’ report above.

Signed on behalf of the charity’s trustees

Signature(s)

Full name(s) Kieran Bush Ann Nurcombe Position (eg Secretary, Chair, etc)[Chair / Vicar ] Church Warden Date

22/4/2022

March 2012

TAR

Page 7

Independent examiner's report to the

PAROCHIAL CHURCH COUNCIL (PCC) OF

THE ECCLESIASTICAL PARISH OF ST JOHN, WALTHAMSTOW

This report on the financial statements of the PCC for the year ended 31 December 2021, which are set out on pages 9 to 10 following, is in respect of an examination carried out in accordance with the Church Accounting Regulations 2006 ('the Regulations') and s.145 of the Charities Act 2011 ('the Act').

Responsibilities and basis of report

As members of the PCC you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (‘the Act’).

I report in respect of my examination of the Trust’s 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.

My examination was carried out in accordance with the General Directions given by the Charity Commissioners under section 145 (5) (b) of the Act and to be found in the Church guidance, 2006 edition. That examination includes a review of the accounting records kept by the PCC, and a comparison of the accounts with those records. It also includes considering any unusual items or disclosures in the financial statements and seeking explanations from you as trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently I do not express an audit opinion on the view given by the accounts.

Independent Examiner's Statement

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. Accounting records were not kept in respect of the Trust as required by section 130 of the Act; or

  2. The accounts do not accord with those records.

I have no concerns and have come across no other matters in connection 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.

Lourens du Plessis, ACA CA(SA)

26/4/2022

56 Kinglake House, Denman Avenue, UB2 4GA

Page 8

Charity Name No (if any) THE PCC OF THE ECCLESIASTICAL PARISH OF ST JOHN, 1179140 WALTHAMSTOW CC16a Receipts and payments accounts 01-Jan-21 31-Dec-21

For the period 01-Jan-21 To from

Section A Receipts and payments

Unrestricted Restricted funds Endowment funds Total funds Last year funds to the nearest £ to the nearest £ to the nearest £ to the nearest £ to the nearest £

A1 Receipts

a.Donations Gift Aid: 3,280
41,589
5,985
3,067
1,051
105
1,945
21,430
55,812
15,997
75
-
-
1,136
10,338
53
806
162,668
.
-
-
162,668		 -
-
-
-
-
-		 -
-
-
-
-		 3,280
41,589
5,985
3,067
1,051
105
1,945
21,430
55,812
15,997
75
-
-
1,136
10,338
-
53
806
162,668
-
-
162,668
DONATION GIFT AID PLATE COLLECTION 3,280 7,033
STANDING ORDER(GIFT 41,589 28,791
GIFT DAY(Gift Aided) 5,985 5,036
b.Donations Non Gift Aid:(DNGA)
DNGA PLATE COLLECT 3,067 3,688
STANDING ORDER NGA 1,051 1,270
GIFT DAY(NON GIFT AIDED) 105 400
OTHER INCOME 1,945 172
c.Lettings:
WALTHAMSTOW MONTESSORI SCHOOL
(ST JOHN'S)		 21,430 17,763
WALTHAMSTOW MONTESSORI SCHOOL (
PENHRYN HALL)		 55,812 42,618
VESTRY SCHOOL OF DANCE 15,997 14,348
CHURCH HALL LETTINGS 75 -
FOREST PHILHARMONICAL - 488
RENT FROM NON CHURCH PROPERTY - 20,720
CUB/SCOUTS 1,136 473
d.Other Sources
GIFT AID RECOVERY 10,338 10,691
(GRANT) LONDON OVER BORDER(LOB)
YOUTH PROJECT		 5,000
BANK INTEREST ON CCLA & CURRENT
ACCOUNT		 53 159
CHURCH FEES RECEIVED 806 653
Sub total(Gross income for AR) 162,668 159,302
.
A2 Asset and investment sales,
(see table).
-
Sub total - -
Total receipts
162,668 - - 162,668 159,302

A3 Payments

a. Church Related

a. Church Related
SHARE TO DIOCESE 53,025 - - 53,025 52,815
FEES PAID TO DIOCESE 336 - - 336 762
INSURANCE(MAIN) 3,864 - 3,864 3,815
UTILITIES 4,912 - 4,912 4,523
MUSIC AND WORSHIP 2,961 - 2,961 1,305
CLERGY EXPENSES 324 - 324 305
TRAINING 2,438 - 2,438 2,336
OUTREACH & EVANGELISM 387 - 387 3,124
EQUIPTMENT AND PLANT MAINTENANCE 5,290 - 5,290 5,564
CLEANING AND CONSUMABLES 7,791 - 7,791 5,632
PENHRYN HALL INSURANCE 1,156 - 1,156 1,147
PENHRYN HALL MAINTENCE & UTILITIES - - - 334
YOUTH AND SPORTS CLUB - - - 2,260
WOMEN AND FAMILIES' WORKER 33,694 2,455 36,149 35,830
RENT AND COUNCIL TAX - - - 21,203
b. PARISH ADMIN
OFFICE RUNNING COST 1,648 1,648 2,788
INDEPENDENT EXAMINER FEE 461 - 461 366
BANK CHARGES 285 285 256
c. AWAY GIVING CHURCH FUNDS
MISSIONARY GIVING 9,850 9,850 9,850

Page 9

-
-		 - 19,453
4,662		 2,990
-
d. SPECIAL ACTIVITIES
CAPITAL PROJECT 19,453
YOUTH PROJECT 4,662
**Sub total ** 152,537 2,455
-
-
-
2,455
- 2,455
-
2,455		 -
-
-
-
-
-
-
-		 154,992
-
-
-
154,992

7,676
-
124,455
132,131		 157,205
-
-
A4 Asset and investment
purchases, (see table)
-
-
Sub total
Total payments
Net of receipts/(payments)
A5 Transfers between funds
A6 Cash funds last year end
Cash funds this year end		 - -
157,205
10,131 2,097
- -
122,358
122,000
132,131 -
-		 124,455

Section B Statement of assets and liabilities at the end of the period

Categories
B5 Liabilities
B4 Assets retained for the
charity’s own use
B3 Investment assets
B2 Other monetary assets
B1 Cash funds		 Details
Details
Details
Details
HMRC Gift Aid receivable
Rents receivable
Total cash funds
(agree balances with receipts and payments account(s))
Details
1101 : BARCLAYS PCC ACC
COMMUN
1102 : PETTY CASH
1103 : CCLA DEPOSIT ACC		 Unrestricted funds
to nearest £
114,415
161
17,556
132,131
OK
Unrestricted funds
to nearest £
10,338
6,250
Fund to which asset
belongs
Fund to which asset
belongs
Fund to which liability
relates		 Restricted funds
to nearest £
-
-
-
-
OK
Restricted funds
to nearest £
-
-
Cost (optional)
-
Cost (optional)
-
-
Amount due
(optional)		 Endowment funds
to nearest £
-
-
-
-
OK
Endowment funds
to nearest £
-
-
Current value
(optional)
-
Current value
(optional)
-
-
When due (optional)
Invoice Payable
Missionary giving payable		 Unrestricted
Unrestricted
Signature Print Name
JEROME ILENOTUMA
ANN NURCOMBE
Date of approval
22/4/2022
22/4/2022
Details Fund to which liability
relates		 Amount due
(optional)
Invoice Payable Unrestricted
Missionary giving payable Unrestricted
Signature Print Name
JEROME ILENOTUMA
ANN NURCOMBE

Signed by one or two trustees on behalf of all the trustees

Date of approval 22/4/2022 22/4/2022

Page 10