COUNTY BRIDGE CLUB (CIO) ANNUAL REPORT April – 2021 March 2022
Registered Charity: 1179979
County Bridge Club runs a contract duplicate bridge sessions and is affiliated to the English Bridge Union. The Club was formed in 1961 and has approximately 250 members who play bridge at club sessions, competitions and represent the club in the league run by Leicestershire Contract Bridge Association. Due to Covid 19 Government restrictions the club has been closed for periods of time during the year but some face-toface sessions have started along with social activities and lessons on how to play bridge.
We have not charged our members any subscriptions this year and have had reduced income from table money as we are only operating three sessions face to face and two sessions online. There has been minimal rental income, no bridge holiday and teaching has restarted. We have received various government grants totalling £16,786 which has enabled the club to cover its costs.
Our charitable objective is to further the playing and teaching of bridge. In furtherance of this objective our bridge sessions are open to visitors, and we welcome members from all walks of life. We run a formal teaching program covering formal courses for beginners, intermediates, and on card play. We do offer bursaries to members unable to afford the teaching fees. We offer sponsored training for English Bridge Union qualifications for volunteers who either teach or run the duplicate sessions.
As a Club we run specific sessions for Charitable purposes and have supported Ukraine, Rainbows and the local food bank.
The Trustees of the Club meet regularly, in person or on Zoom and have access to quarterly financial reports on the performance of the Club and continue to do financial and tax planning to maximise the financial position of the Club. The Trustees are happy that we have the financial reserves to support the Club in this difficult time and for an extended period.
CHAIR’S REPORT: Ian Walkerdine
During lockdown, the club underwent a professional Covid risk assessments to prepare for opening during the pandemic. Many thanks to our secretary who provided the medical expertise to help guide and advise the club at this time. Thanks also to our members who showed great forbearance during the time of imposed restrictions, and cheerfully complied with our covid rules so we could open safely.
Then came Open Day 21 Aug 2021. I was delighted that we welcomed more than 60 people that day. Shortly after that we had our first face to face session on Friday 3 September 2021.
This resulted in an unprecedented 12 tables. We decided to continue to run some of our virtual sessions alongside the face-to-face sessions.
There was a brief re-closure over the Christmas period from 11 December 2021 as cases of Omicron in the country soared, but we re-opened again on Friday 28 January 2022. Finally on Friday 1 April 2022 government restrictions lifted, although we continue to encourage sensible measures at the club.
Celebrations:
The first inaugural meeting of the CBC was on 22 June 1961 at 70 New Walk. Sadly, we could not celebrate CBC’s 60[th] birthday last year as we were still in lockdown. Now, on the occasion of our 61[st] birthday, I would like to take a moment to recognise the foresight and hard work of the original members, Mr J Milton, Mr D B Smith, Mr and Mrs Hammersley, Mrs E Elias, Mrs M Cole and Mr A Woodier, who set up the club that has given so many people the opportunity and pleasure of playing bridge and making friends. We will raise a glass and toast the club and its members, past and present at the end of the AGM.
CBC Bridge holiday, Torquay
This has been one of the casualties of the pandemic. We continued to defer the holiday during the pandemic, hoping that restrictions would lift. Finally we cancelled as we did not get sufficient numbers to make this viable.
Our Trustees and Committee have been busy during the year; we have a most enthusiastic and cooperative team. I would like to record my thanks to all of them for their continued support
SECRETARY’S REPORT: Isabel Crump
Due to the Covid 19 government restrictions, the trustees and co-opted committee members have continued to meet remotely by Zoom every 4-6 weeks. We returned to face-to-face meetings in January 2022.
The Trustees members on 31 March 2022
----- Start of picture text -----
Chairman/trustee Ian Walkerdine
Secretary/trustee Isabel Crump
Treasurer/ trustee Anthea Byrne
Trustee Charles Gurr
Trustee Alastair Lennox
Trustee Simon Stokes
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Kate Boulter resigned as Secretary/trustee June 2021
Co-opted committee members on 31 March 2022
Frank Travers June 2021 resignation Richard Bell October 2021 resignation Peter Ablett October 2021 as the new premises/health and safety officer Kate Boulter remains as social secretary
CBC Policies
-
Membership policy has been updated, so it is more streamlined, is compliant with General Data Protection Regulations 2018 (GDPR UK), and includes sign up to gift aid
-
Updated and new Privacy policies for personal data and CCTV use to ensure compliance with the new GDPR UK
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Health and Safety policies to include Covid 19
-
New policy on Adult Safeguarding and a new Safeguarding lead Dr Cathie Sawers
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New Volunteer policy
All the documents are on the website under ‘policies’, and can be made available as a paper copy if required
Training
We continue to train volunteers to help in the running of the Club. We have purchased a fully automated Zoll AED 3 defibrillator model. It is wall mounted in the foyer. The defibrillator is also registered with East Midlands Ambulance Service (EMAS).
Catering
The club has installed a new professional catering kitchen this year, overseen by Kate Boulter our social secretary. County Bridge Club is registered as a food business with Leicester City Council and I am pleased to announce that the Club has received the top Food Hygiene Rating of 5 (the highest possible) following a recent Leicester City Council inspection in Spring 2022. In addition, Anthea Byrne and Isabel Crump have completed their level 2 food hygiene certificates to help support Kate with the catering.
Newsletter
Thank you to all those contributors who have made the newsletter so popular
Trophies
Our collection of cups and trophies have been collected and displayed in our new trophy cabinet. Some new ones have been made. From now, winners of tournaments will be presented with a cut glass engraved tumbler or highball and have a presentation photograph taken. The original trophy will however remain on display at the club.
Volunteers
Finally, my thanks go to all the volunteer members who offer their time to the club. This includes our webmaster, who has transformed the CBC website, the duplimators who have spent hours preparing boards for our sessions, and those volunteers who offer their time for gardening duties, for the tidying up rota, those who have helped to set up our new library with books donated by members. These are a just a few examples but there are many more. Their support has been and remains invaluable to the running of our club.
TREASURER’S REPORT: Anthea Byrne
The Committee have the pleasure in presenting the Financial Statements of the Club to the membership, and report on another momentous year. The Club has made a loss of £8,444 primarily due to losses made on the drop in market value of the investments due to world events. As the Club has been closed for part of the year, there is some income from table money, but not yet to pre Covid levels. We still have some money generated by online games, small rental income, and no holiday income. We have not charged subscriptions for the second year because we were closed for much of the year. Teaching income benefited from being able to run a full set of lessons, but timing was affected by closure in December/January. Therefore, the costs of running the club have risen compared to the previous year reflecting the partial reopening. Income from bridge activities being lower meant we would have operated at a loss, but we have been in receipt of Government grants because we were forced to close of £16,786 and this has allowed us to cover our costs and re-open in a gradual way when Government restrictions allowed.
The loss on investments of £8,419 is due to world events and is the main driver of the loss for the year of £8,444.
The Club has benefited from going cashless and can now take card payments, bank cheques remotely and are using the Bridgewebs attendance module to run individual accounts for the members.
The Club continues to improve the premises and completed work on resurfacing the car park during the year.
We are continuing to use external audit for the Accounts prior to submission to the Charity commission. We thank Richard Smith for all his time and expertise in working with the Finance Team to produce the formal accounts.
MEMBERSHIP SECRETARY: Charles Gurr
At last year's AGM we recorded having 314 registered names on the club's website 56 of whom were listed as visitors, making a total of 258, but in addition, this number included individuals taking lessons during that year. During the last year we have received 26 new members. 33 resignations
have been recorded in the last two months as we performed some housekeeping work to refresh the membership list.
The trustees are continuing to contact members who have not played at the club or online since the last Annual General Meeting. The latest figures show a current membership of 209.
TOURNAMENT SECRETARY: Alastair Lennox
Unfortunately, due to the club being closed to Covid only three competitions have been completed through 2021/22. The winners of these competitions were: -
Spring Bowl: Keith Preston and Richard Smith. Spring Bowl 9 high: Anthony Calverley and Simon Learoyd.
The Spring Bowl competitions was so well received they will be repeated through October and November and unsurprisingly will be called the Autumn Bowl and Autumn Bowl 9 High.
TEACHING SUBCOMMITTEE: Simon Stokes
A significant amount of work was completed leading up to August 2021 to market the Club’s teaching programme for years 1, 2 and 3 with a targeted campaign on 'My neighbourhood websites', local ads magazines, and various local gazettes. Lucy Pathan went on Radio Leicester on Monday 2 August 2021 on the Ben Jackson Show, and talked about the history of the club, and the teaching programme. She was an excellent ambassador for the Club.
I am pleased to report that we were able to run 3 classes of face-to-face lessons from October to the beginning of April with a small break after Christmas during the final period of lockdown. The teaching programme has had 34 students in the formal classes. All the documents have been assembled into a single file with all pages numbered – this makes it easy to prepare boards and print handouts. CBC has its own separate teaching website CBCT https://www.bridgewebs.com/cbct/
A.P.Byrne
COUNTY BRIDGE CLUB Registered Charity 1179979
Financial Statements For the year ended 31 March 2022
COUNTY BRIDGE CLUB ACCOUNTS - Page 1 Statement of Financial Activities
For the year ended 31 March 2022
| INCOME £ £ £ £ Subscriptions 22 35 Table rents 6,058 4,431 Room lettings 1,045 - Bar 29 - Social Bridge and Lunch 28 - Teaching 5,420 1,870 Donations 1,743 121 Sundry Income - 167 Investment income Dividends and interest received 2,551 117 Grants note(1(e)) 16,786 52,500 - 244,941 33,682 304,182 Total Income 2021/2022 2020/2021 Profit on sale of 1 St James Road, Leicester |
INCOME £ £ £ £ Subscriptions 22 35 Table rents 6,058 4,431 Room lettings 1,045 - Bar 29 - Social Bridge and Lunch 28 - Teaching 5,420 1,870 Donations 1,743 121 Sundry Income - 167 Investment income Dividends and interest received 2,551 117 Grants note(1(e)) 16,786 52,500 - 244,941 33,682 304,182 Total Income 2021/2022 2020/2021 Profit on sale of 1 St James Road, Leicester |
|---|---|
| Total Income | 304,182 |
The notes on pages 5 to 8 form part of these financial statements.
COUNTY BRIDGE CLUB ACCOUNTS - Page 2 Statement of Financial Activities For the year ended 31 March 2022
| 2021/2022 | 2021/2022 | 2020/2021 | 2020/2021 | |
|---|---|---|---|---|
| EXPENDITURE | £ | £ | £ | £ |
| Direct costs | ||||
| Bar | 79 | - | ||
| Catering | 172 | - | ||
| Teaching (includes value of club usage) | 5,210 | 5,461 | 997 | 997 |
| St Oswald costs | ||||
| Business rates | 547 | - | ||
| Water | 2,008 | 1,475 | ||
| Electricity | 2,238 | 1,018 | ||
| Gas | 891 | 3,129 | 442 | 1,460 |
| Insurance | 2,880 | 2,884 | ||
| Repairs | 1,303 | 3,645 | ||
| Cleaning | 1,819 | 546 | ||
| Telephone and broadband | 293 | 254 | ||
| Health and Safety | 2,187 | 116 | ||
| Depreciation - Freehold property | 3,512 | 2,921 | ||
| Depreciation - Fixtures, fittings and equipment | 6,613 | 3,905 | ||
| Value of club usage charged to teaching account | (2,632) | - | ||
| 21,659 | 17,206 | |||
| Bridge expenses | ||||
| Tea , coffee etc | 261 | - | ||
| Promotion expenses | 64 | - | ||
| Competition prizes and expenses | 668 | - | ||
| Almoner's expenses | 14 | - | ||
| Bridge consumables | 891 | 181 | ||
| Team costs | 40 | - | ||
| Sundry expenses | 71 | 147 | ||
| Donations | 1,263 | 121 | ||
| Bridge equipment expenses | 480 | 160 | ||
| 3,752 | 609 |
The notes on pages 5 to 8 form part of these financial statements.
COUNTY BRIDGE CLUB ACCOUNTS - Page 3 Statement of Financial Activities For the year ended 31 March 2022
| EXPENDITURE (cont') £ £ £ £ Finance & Administration Independent examiner fees 10 650 ICO Data Protection fee 35 - Printing, postage & stationery 224 212 Investment costs 2,395 - Trustee meeting expenses 144 - Bank charges 28 - 2,836 862 33,707 19,674 (8,419) - (8,444) 284,508 Allocation Teaching reserve (note 2(c)) 210 873 Accumulated reserves (8,654) 283,635 (8,444) 284,508 (Deficit) / Surplus for the year Total expenditure Net losses on investments (note 2(e)) 2021/2022 2020/2021 |
EXPENDITURE (cont') £ £ £ £ Finance & Administration Independent examiner fees 10 650 ICO Data Protection fee 35 - Printing, postage & stationery 224 212 Investment costs 2,395 - Trustee meeting expenses 144 - Bank charges 28 - 2,836 862 33,707 19,674 (8,419) - (8,444) 284,508 Allocation Teaching reserve (note 2(c)) 210 873 Accumulated reserves (8,654) 283,635 (8,444) 284,508 (Deficit) / Surplus for the year Total expenditure Net losses on investments (note 2(e)) 2021/2022 2020/2021 |
|---|---|
| 862 | |
| Total expenditure | 19,674 |
| - 284,508 |
|
| Net losses on investments (note 2(e)) | |
| (Deficit) / Surplus for the year | |
| Allocation Teaching reserve (note 2(c)) Accumulated reserves |
873 283,635 |
| 284,508 |
The notes on pages 5 to 8 form part of these financial statements.
COUNTY BRIDGE CLUB ACCOUNTS - Page 4 Balance Sheet As At 31 March 2022
| 377,259 261,333 5,187 32,848 38,035 2,946 2,946 35,089 673,681 680,762 (8,654) 672,108 1,573 673,681 31 March 2022 |
359,318 - 6,470 318,821 325,291 2,484 2,484 322,807 682,125 397,127 283,635 680,762 1363 682,125 31 March 2021 |
359,318 - 6,470 318,821 325,291 2,484 2,484 322,807 682,125 397,127 283,635 680,762 1363 682,125 31 March 2021 |
|
|---|---|---|---|
| FIXED ASSETS | |||
| Tangible fixed assets (note 2(b)) | |||
| INVESTMENTS (note 2(e)) | |||
| CURRENT ASSETS | |||
| Debtors and prepayments Bank balances |
|||
| CURRENT LIABILITIES | |||
| Creditors and accruals | |||
| NET CURRENT (LIABILITIES) / ASSETS | |||
| TOTAL NET ASSETS | |||
| 682,125 | |||
| 397,127 283,635 |
|||
| UNRESTRICTED CHARITY FUNDS | |||
| Non-designated funds Balance at 1 April 2021 (Deficit) / Surplus for the period Designated funds Teaching reserve (note 2(c)) |
|||
| 680,762 1363 |
|||
| 682,125 |
The financial statements were approved by the trustees on 30th April 2022 and signed on their behalf by:
Anthea Byrne
Treasurer
Ian Walkerdine
Chairman
The notes on pages 5 to 8 form part of these financial statements.
COUNTY BRIDGE CLUB ACCOUNTS - Page 5 Notes To The Accounts
1.Accounting Policies
(a) Basis of preparation of financial statements
The financial statements have been prepared under the historical cost convention with items recognised at cost or transactional value unless otherwise stated in the relevant notes to these accounts. The financial staements have been prepared in accordance with the Statement of Recommended Practice. : Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (Effective 1 January 2019) - (Charities SORP (FRS 102)) and Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102) and the Charities Act 2011.
County Bridge Club constitutes a public benefit entry as defined by FRS 102.
The functional currency of the charity is Sterling (£).
(b) Fund accounting
General funds are unrestricted funds which are available for use at the descretion of the trustees in furtherance of the general objectives of the charity and which have not been designated for other purposes.
(c) Income
All income is recognised once the charity has entitlement to the income, it is probable that the income will be received and the amount of income receivable can be measured reliably. Grant income is included on a received basis.
Our income from subscriptions is collected in a three month period at the start of the year. Subscriptions, table money and competition income is collected electronically through the Bridegewebs Attendance Module. We hire out our premises to other bridge clubs and associations who pay monthly in arrears.
(d) Expenditure
Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably.
All expenses are allocated to the period in which they relate. Accruals and prepayments are calculated for all categories of expenditure.
Grants payable are charged in the year when the offer is made except in those cases where the offer is conditional, such grants being recognised as expenditure when the conditions attaching are fulfilled. Grants offered subject to conditions which have not been met at the year end are noted as a committment , but not accrued as expenditue.
COUNTY BRIDGE CLUB ACCOUNTS - Page 6 Notes To The Accounts
(e) Going Concern
Due to the COVID-19 lockdown the Club shut on 16 March 2020 and reopened on 3 September 2021. It closed again on 10 December 2021 and reopened on 28 January 2022 and remains open. The Trustees of the Club are happy that the Club has sufficient financial reserves to sustain further prolonged periods where the club has to close due to this situation with COVID-19. Therefore the trustees have prepared the financial statements on the basis that the charity is a going concern. During the financial year the charity received grants of £16,786 from the Government to cover the loss of income during the shutdown due to COVID-19. (2021 - £52,500).
(f) Interest receivable
Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the charity; this is normally upon notification of the interest paid or payable by the Bank.
(g) Capital Expenditure
During the year the Club continued to improve the faciltiies at 67 St Oswald Road. This involved the laying of a new car park at the back of the building and the installation of two new boliers and new kitchen equipment. The expenditure on these items has been capitalised. There were capital commitments at the end of the year.
(h) Depreciation
Land and buildings relating to the original St Oswald's purchase price of £275,000 are not depreciated by the Charity. Additions to land and buildings over the original price are being depreciated over 25 years on a straight line basis. Fixtures and fitting are being depreciated over five years on a straight line basis.
(i) Investments
Investments are a form of financial instrument and are initially recognised at their transaction cost and subsequently measured at fair value at the Balance sheet date, unless the value cannot be measured reliably in which case it is measured at cost less impairment. Investment gains and losses, whether realised or unrealised, are combined and presented as ‘Net Gains/(Losses) on investments’ in the Statement of financial activities.
(j) Debtors
Debtors are recognsed at the settlement amount after any discount offered.
(k) Cash at Bank
Cash at bank includes cash and short term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the deposit or similar account.
COUNTY BRIDGE CLUB ACCOUNTS - Page 7 Notes To The Accounts
2. Notes
(a) Financial Controls
The Trustees of the Charity have reviewed the internal controls of the Finance Team and are satisfied that sufficient reporting is completed during the year in a timely manner, and that where possible appropriate segregation of duties is in place with oversight on both income recording and expense authorisation. With a small volunteer staff the Trustees accept that internal controls are limited due to the number of people with authorisation.
(b) Fixed Assets
| (b) Fixed Assets | |
|---|---|
| Cost As at 1 April 2021 Additions (note 1(g)) As at 31 March 2022 Depreciation As at 1 April 2021 Charge for the year (note 1(h)) As at 31 March 2022 Net book value 31 March 2022 Net book value 31 March 2021 |
Freehold Fixtures Property and Total St Oswald Fittings £ £ £ 367,803 348,027 19,776 28,066 14,780 13,286 |
| 395,869 362,807 33,062 |
|
| 8,485 2,921 5,564 10,125 3,512 6,613 |
|
| 18,610 6,433 12,177 |
|
| 377,259 356,374 20,885 |
|
| 359,318 345,106 14,212 |
(c) Teaching Reserve
The charity has set up a separate account to hold the surplus income generated by the teaching activities of the Club. This reserve is to be used to fund expansion in the teaching provision at the Club in future years. The teaching account has been charged with what is considered to be the value of club usage. This value has been deducted from establishment costs.
| Balance as at 1 April 2021 Teaching surplus for the year Balance as at 31 March 2022 |
£ 1,363 210 |
|---|---|
| 1,573 |
COUNTY BRIDGE CLUB ACCOUNTS - Page 8 Notes To The Accounts
(d) Payments to trustees and employees
No trustees, who are the key managament personnel or persons with a family or business connection with a trustee, received remuneration in the year, directly or indirectly , from the charity (2021 - none).
No expenses were reimbursed to the trustees during the year (2021 - none). There were no employees of the charity during the year (2021 - none).
(e) Investments
During the year the Trustees voted to appoint an investment manager and set up a sub committee to research possible providers and go through a vetting procedure. An investment policy was created and adopted and Brewin Dolphin were successful in quoting for the business. Trustees placed £275,000 of funds with Brewin Dolphin as a long term investment in a medium risk portfolio. The Trustees are happy that the investment performance is monitored quarterly by the investment committee who report to the full committee. The Trustees are confident that the funds which are invested are not needed for current activities and are expected to be a long term ten year plus investment. The Trustees understand investments can go up and down in value in line with the capital markets but historically show a multi year positive trend.
| Listed Investments | |
|---|---|
| £ | |
| Cost or valuation | |
| Additions at cost | 300,103 |
| Disposals at cost | (30,000) |
| Net unrealised losses | (8,770) |
| As at 31 March 2022 at valuation | 261,333 |
| Net losses on investments during the year | |
| Net realised gains | 351 |
| Net unrealised losses | (8,770) |
| (8,419) |
(f) Post Balance Sheet Events
There have been no signifivant Post Balance Sheet events.
(g) Related party transactions
There were no related party transactions during the year.
Ireland6tompany Cha rtered Accountants Independent Examinerfs Report to the Trustees of County Bridge Club I rewrt to the chaiity trustees on my examination of the accounts of ts Charity for the year e 31 March 2022. Responsibilities and basis of report As the charity's trustees you are responsible forthe preparati¢)n of the aCcuntS in accordan with the requirements oflhe Charities Act 2011 Ilhe Act.). I reFM)rt in respect of my examination of the charty's a¢¢ounts carried out under section 145 of the Act and in carrying out my examination I have followed all the applicable Diredions given by the Charity Commission under seCt)n 145(5)(b) of the A Independent examinefs statement I have completed my examination. I confim that no material matters have come to my attention in nnectIc wtth the examination gwing me cause to belteve that in any material respecL arLouth'ng records were not kept in respect oflhe charity as required by section 130 of the AGt; or 2. tFE accounts do not aCCd with those reccfds,. 3. the accounts do not mplY with the applicable requirements concerning the fomi and content of accounts set out in the ChaiitEs {Accounts and Reports) Regulations 2008 otherthan any requirement that the accounts grve a Irue arKI fair vieyl which ks not a matter car]der as part of an independent examination. I have no concems arvj have come auoss no olher rnatters in COnnectn wth the examination to which attention should drawn in Ihis report in order to enable a pryr understanding of the accounts to be reathed. Petsr Anderson Irdand & Company 171(E12022 ICAL CHARTERED A(cTANTs l O Station Street, Kibworth Beau£hamp, Leicester LE8 OLN Tel..1011612793704 Fax-1011612792934 www.Irelandandcompany.co.uk Dlrectors.. Jo3nneThornton FMAAT James W Ireland B.A., F.C.A. HOSt¢dIn EwkDdaTrdW4 N&•750.1È1adandtèYatsad1nge0f ITela7d4ndCo1MVLhXtd.
Ireland6tompany Chartered Accountants County Brfdge Club Sl Oswald Road Leicestsr LE3 6RJ InVoe No.: 15611 Date: 17 June 2022 Ref.. COUNTYIJT To Professlonal Services Rondornd: Independent Examination of the accounts for the year ended 31 March 2022 310.C4J Amount Net 310.CKJ VAT @ 20% 62.00 Total £ 372.00 Please note: Paymenl terms aro withln 30 days from date of Involce PLEASE NOTE OUR NEW BANK DETAILS Payment can made direGtto our bank'.- HS8C_ Sort Code 41245 WC No. 41658441 Pl088e quote thg Invol¢• numbor VAT REGISTRATION NTr. 42441547T REMITTANCE ADVICE Please retum lo.'Ireland and Company, 10 Station Street, Kibworth BeahaMp, Leicester, LE8 OLN County Bridge Club Sl Oswald Road Leicester LE3 6RJ Invol No.: 15611 Date." 17 June 2022 Ref.. COUNTYIJT Amounl: £ 372.00 CHARTEAEO ACCOUNfANTS 70 Station Street. Klbwoith Beauchamp, Lelcester LE8 OLN Tel..1011612793704 Fax..1011612792934 www.irelandandcompany.co.uk Directors.. JoanneThornton FMAAT Jamesw Ireland B.A.. F.C.A. fte9KtÈiÈd knEnglandandWale5 895130.1kd4ndcipIYlSatIadIgaeoItrell andloMwyUrnited.