2025-01-31-accounts

Health Care 4 All International

- Board of Trustees Annual Report 2024 2025

The Chairman and Board of Trustees of Health Care 4 All International present their annual report and audited accounts for the period 2023-2024, and confirm they comply with the requirements of the Charities Act 2011, the trust deed and the Charities SORP (FRS 102).

• This report was agreed and accepted at the HC4AI AGM on Friday19th September 2025.

Aims:

The aims of Health Care 4 All remain the same as before

INTRODUCTION:

We aim to provide good quality, cost effective and easily accessible healthcare to the rural and remote communities who either have none or have very difficult access to healthcare. The aim is achieved by using a combination of conventional medical practice through a well-equipped Community Health & Tele-Medicine Centre and a modified and unique Telemedicine system we developed and call it the Novel Hybrid System of Telemedicine (NHST).

Formed in 2014 Health Care 4 All International (HC4AI) is a ‘not for profit’ charity organization registered with the charity commission UK and interior ministry and PCP in Pakistan as well as with the Kashmir Council and Societies. It is a small organization that has no corporate backing and is funded solely by personal funding and individual supporters.

Our services, including consultation, treatment, medicines, and transport are all completely free to all deserving patients in the rural and remote communities we serve.

HC4AI was registered as a charity on 8[th] September 2014 (REGISTERED CHARITY NO. UK 1158474). On 31[st] January 2020 the status of the charity was changed to Charity Incorporated Organization (CIO) with the registered charity number 1187677

For Background of the organization and Services offered see previous reports or visit our website: www.healthcare4all.org.uk

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- Our Achievements and Experience during 2024 2025

HC4AI Activities are elucidated under the following headings:

• Services through our Community Health and Telemedicine Centre (CHTMC)

• Health Awareness and Disease Prevention Programme

• Academic Activities

• Management, Administration

• Governance

• Audit

CHTMC:

This Centre is located on the main road connecting Mirpur to Dudial and Kotli and hence provides access to many populations scattered in several villages and small isolated and remote dwellings. It functions as a central nidus for all our activities.

Through this centre we continue to provide services which are updated and improved year upon year. Following is brief report about our services during 2023-2024:

• Primary Health Care through outpatient clinics and services. As always these are open 24/7, 365days of the year and are operated by our qualified Doctors. One female and two male Resident Medical Officers and eight Community Medical Assistants. It is a walk in service at the Centre open for all at all times.

• Specialist Care: We have engaged five specialists from nearby city hospitals who visit the CHTMC on a weekly basis to do clinics. Currently the Centre is visited by a Medical Officer, Paediatrician, Cardiologist, Medical Specialist & Diabetologist and a Rheumatologist.

• Emergency Services : We continue to provide both medical and surgical emergency care with appropriate treatment options, including transfer to nearest secondary care facility if required. As other services this continues to show increasing use, mainly because of our proximity to a busy main road, hilly terrain of our catchment area with no quick access to any other medical centre with 24hour emergency service.

• Telemedicine : From our inception we introduced our own designed Novel Hybrid System this continues to provide service in patients homes coordinated through the CHTMC. The use of the service remains stable for acute illnesses and longterm home care.

• Laboratory Services : Our well-equipped laboratory at the Centre, continues to provide most of the essential biochemistry and haematology investigations, with increasing number of requests including specimen collection from patients homes and outside referrals.

• Pharmacy: The inventory of this licensed pharmacy has further expanded and continues to remain open all hours throughout the year.

• Day Care and Observation Ward: Four In-patient care beds with patient monitoring and resuscitation facilities, now equipped with continuous patient

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monitoring. These are used for short term observation and treatment and for patients awaiting transfer.

• Minor Operation and Procedure room: This service is increasingly used. We have now improved operating lights and new instrument sterilizing and cleaning facility.

• Antenatal, maternal, and childcare: This continues to be a major part of our activity. We continue to register pregnant ladies on our Electronic Medical Records (EMR). As in the previous years they are followed up regularly throughout their pregnancy with necessary lab tests and Ultrasound scans. Information and assistance after delivery for both mother and baby are provided. All antenatal records are maintained on EMR with internationally accepted antenatal cards. If a complication is anticipated in delivery during the antenatal check the patient is, then referred to our designated secondary care hospitals for follow-up and delivery.

For details of patient record of 2023-2024 see table 1 appended at the end

Health Awareness and Disease Prevention:

‘Prevention is better than cure’ remains our guiding principle. Because of COVID-19 restrictions these activities were significantly curtailed till 2022 when normal services were resumed. The Community Coordination Committee (local representatives from villages) take active part in organizing the Community and Women Health Awareness seminars/meetings.

Academic Activities : Continues as in previous years.

To keep our staff updated in current clinical practice we have weekly educational meetings which is obligatory for all clinical staff. These meetings include Topical presentations and discussion, journal club, case presentations and updates on emergency care and resuscitation. All CMA’s keep a log of CME (Continuing Medical Education) credits that is used for their annual appraisals.

Management, Administration:

There has not been any significant change in the management and administration structure and personnel since its revamp four years ago and introduction of Hospital Management System with Electronic Health Records.

Community Coordination Committee (CCC): The CCC was restructured at the end of 2021 and continues in 2024-25. With the inclusion of several new members (all volunteers) representing increasing number of villages, this committee is due for a re-shuffle to increase its participation and involvement in the administration. This is a task to be undertaken in the coming months, focussing primarily of promoting HC4AI services in their villages, registering of people on HC4AI database, identifying and recommending deserving households as eligible for free treatment with issuance of HC4AI free treatment family cards, arranging Health Awareness seminars in their villages and meeting up with the management on monthly basis to discuss local issues and requirements. We continue to gradually increase their involvement in monitoring, audit and management issues.

Governance: The Governance structure in 2024-25 has remained the same as previous.

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HC4AI UK Board of Trustees remains the overall guardian of the charity and provides strategic directions to the HC4AI AJK Board and management which continues as the operational arm of the organization.

Dr A Q Akhter (SVP of AJK Board and ex-DG Health) continues as the Medical Director (MD), an honorary post. He continues to oversee all the operational matters and reports to the HC4AI Chair and BoT AJK.

The three new directorates which were created to manage the operations remain in place.

1. Management including accounts; headed by the project manager (PM)

2. Clinical; headed by Clinical Director (CD) the senior clinician

3. Community: Coordination Committee (CCC) comprised of community representatives

Roles and duties and of each are described in our governing documents.

The BoT UK has recommended to appoint a part time salaried medical director with the task of streamlining the services, onsite monitoring staff and clinical performance, reduce expenses and demonstrate savings. This recommendation will be implemented in the coming year subject to finding a suitable candidate for the job.

Audit:

All patients, services, assets, and financial data is recorded on our electronic database :

Details of financial audit for AJK are appended with this report, and for UK separately.

• Data of all patient activities and services provided are recorded and audited monthly by the chairman. And HC4AI management

• Data of all staff activity is recorded and checked monthly by the chairman and HC4AI management

• Comprehensive details of all services, donations (income) and expenses are audited monthly by the chairman and by our volunteer accountant in UK (Ms Lynne Roberts).

• Audit of the pharmacy, stores and the inventory are undertaken six monthly and randomly checked by a qualified accounting firm in Mirpur AJK funded by our supporter Mr Rafay Saleem.

• Yearly financial audit in AJK is carried out by our appointed accounting firm in Mirpur who are on our payroll and in UK voluntarily by own Treasurer & Trustee, Mr Arif Khan (Arif Khan & Sons LTD). Both the accounts are then verified by registered auditors.

• All financial accounts are submitted yearly to the Charity Commission UK.

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Board of Trustees UK

At the last BoT meeting two new trustees were appointed and one trustee has retired:

• 1 Chairman: Mr. Syed Tariq Kazim Shah: MBBS. MRCS. LRCP. MMEd. FRCS. Consultant Urological Surgeon (Rtd.) Bradford Teaching Hospitals NHS Trust and The Yorkshire Clinic, Bradford. West Yorkshire UK

• 2 Vice Chair: Dr (Mrs) Tasneem A Tariq. FRCOG Consultant Obstetrician Gynaecologist (Rtd.) Mid Yorkshire NHS Trust Hospitals.

• 3 Trustee: Mr. Dilshad Khan. CQSW. MBA. MIHSM. JP Ex-Director Equality & Diversity Bradford Teaching Hospital Trust.

• 4 Trustee: Mr Mohammad Ajeeb. CBE Ex Chairman City Primary Care Trust Bradford. Ex Lord Mayor Bradford

• 5 Trustee: Mr. Asif Saleem Managing Director Nafees Bakers Ltd Bradford.

• 6 Trustee & Treasurer: Mr Arif Khan: Member AAT & AAIA Accountancy. BPP University law School Leeds Director Arif Khan accountants

• 7 Trustee: Mr. Younis Choudhry. Local businessman and MD Regal Food Industries Bradford

• 8 Trustee: Mr. Luqman Rashid. Professional Financial Advisor at Hillcrest Wealth Management partner practice of St. James’s Place Wealth Management.

• 9 Trustee: Mohammad Haroon. Philanthropist, writer, and retired trustee of Uspar Trust

• 11 Trustee & Secretary of the Board: Ms Kosar Hussain. Solicitor

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Thank You

HC4AI is extremely grateful to the large number of our supporters, well-wishers, and benefactors. We have no doubt that without their help this project would never have the success it has achieved. I am specially obligated to the several individuals for their support and guidance, their contributions with names are detailed in previous reports. Several individuals wish to remain anonymous we respect their wishes:

Special Thank You

As always a huge thank you to all the members of the HC4AI Board of Trustees UK (Strategic Board) and HC4AI Board of Trustees AJK (Operational Board) for their time and complete support in guiding the policies and operations of the project.

Thanks go to Mr Rafay Saleem and Mr Steve Davidson for invaluable support and help And Dr A Quddus for providing the medical lead for the project

To Ms Lynne Roberts for reviewing monthly account and activity sheet from our project To Arif Khan for preparing our yearly accounts and audit

Members of Community Coordination committee for providing the essential missing link with the charity and the beneficiary community

My final thank you goes to my wife Dr ( Mrs) Tasneem Aslam Tariq for her continuing unconditional and relentless support and guidance during the difficult times of the project.

Dr. Tariq Shah Chairman For Board of Trustees Health Care 4 All International

Record of Patient Services and Financial Audit from our project in Chakswari AJK follows below in Tables 1 and 2 (pages 8 to 14)

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Table 1. Patient record July 2024-June 2025

2024-2025

		2024-2025	2024-2025	2024-2025	2024-2025	2024-2025	2024-2025	2024-2025	2024-2025	2024-2025	2024-2025	2024-2025	2024-2025	2024-2025	2024-2025	2024-2025
Total ents seen			Male Pts	Female Pts		Under Age 16		OPD	Out- Reach	Free Patients.			Detained In-Patient		Subsidized	Donor Pts.
10263			4506	5757		2276		9547	701	3862			1678		2719	3661
Antena		tal Care
4		5		All Amounts below are in PKR in first row and Pound Sterling in the second
edicines Free			Lab. Free	Lab. Subsidy	Consultation Free		Total Subsidy		Ambulance Free		Ambulance Subsidy			Detained In-Patients Free
034,044			795,600	-	1,158,600		307,050		21,000		32,750			762,600
8,619			2,260	-	3,291		872		60			93		2,166

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Table 2 HC4AI Account Audit 2024-2025 I￿r££NATIONAL JUN£ 30. 2025 Addrem: o￿lee No 01. Fkw. Ploi No. 80. Str¢rt 34. I&T Ctrtlrt %crtor &IO,'l. Is]#mabsd. W•bBit•: C•ni*ti: 051-2318$38

Health Car¢ 4 All Inlernatbonxl ATF.MENT OF FtNAfrfCIAL posrrior• A5 ATJUYE X11125 24Z4 2t12S 2024 Po¥ Bl R¢s¢r%y 14J>19.130 102Mm 45126 29,764.47 769.796 2thl7.41 1{95&050 I IIW.774 7.411 21.17<44 21J65.93 SknEkTrjtyty 161<,413 1133J 7.6￿￿1 Jsi 97DMI 12.n7.n 2J21.75 7IQ5225 iJ90,094 21,901..iO 10.43632 I l.(rfJl.774 4jJTr74 74 TREASL,

Healtb 4.411 Intmutio# STATENIEIY OF OPEK4TION% VOA ￿lDED J•JITr4E202S 2•24 l￿D￿r 1{514.V5ts iJ:- &974.N -,245.Irxs 41.8lJ.Sl J.823.11 •J.84J.81 1094_41 7.4f6.61 1gZi 6Xi.W7 133JY s3￿)65 41& 1.16&4? 559.10 1.98U6 Bill '￿'d1#[C 4J9.OJ7 U9&DIJ 9.400 24.lUJ4 r.4 161151 14.4LTr JD LPJ.43 12J03.10 93-,201 FM'Mv&¢w 3J49.2) 19i58Q 77.967 2Wg.433 331.1 J71.16 962J7 X511K 51J9• IQ SI￿r￿￿.* b¢n¢fi F¢r& Sth5ttwn 1.1th4.(#)O 1fy74.( 25.C( 155.030 3.12LOg 7167 325.913 9JlJ5 1.74ri 43ts 35.1 301 756 63 1351 fvliK Offxc I'WL 2L-,4L 3tyf 86J9 1.1 I92￿￿ T•ftl EApqwthlw io

H¢lth c#￿ 4 AU Inter￿tIo￿l TATL1IE￿7 OF CASH FLOM'S FOR THE I'EAtt EYiDEDJIIJL,NE 2IL 2015 2•24 2•25 P47Md 970NI 775.734 13.11295 ZU45.914 15MIA9k 1715511.51 45.615_40 TOTALRECEIM 24.WJ.914 15h91.691 71 J&?.03 45.615AO BBnk Av4ilabk .nOJ95 71.467.4L? 74J5737 59.498a5 Q•tsA .KlediAI Mwirtry' & 11thru￿ 361.67$ 124x6 INS7_ryJ 561.1: i& 24.51MI si 70Ji 11ffj3 1.429.95 191.WJ4 IM770 407.857 416. 1.17433 $¢9.10 Stsff Welfart 133J59 9.QBJIP .151.95 14i Fr¢¢ 112dKinE5 3J49.223 9hM.99 15lbl) J&14&45 Y14J3 938J5 571. 5,01 756ffj3 $3Jl 791,94 L4ZS.51 13.796 SM444 M¢di¢wE ikncbast5 & lfflmc7 Exy Rep¥ir& Main¢Efrtcc Buildm 5.606,Z$4 77.967 324.913 191JlO 1.74 262.741 g.CO) 274W) I JJI-.ID 214Jl 4S0ffj7 •L?J7 5.fys 155.03 331.1 1.740 3fAI.430 101.;4 -.8.611 ?li80.0>. 19.tW.Y7 55 ?46A TOTAL P.4YMKYrs 61.569 £8 7fith0 4.H0558 970.681 TRFASIIRER ?RESIDL*J

Health C•r¢ 4 AU Imtern¥tion8J NOTLS TOTHE FIWA.YCI.11. ￿ATE.￿Er1T5 VOR )'EARENDF.DJOJLNE••5 20L41 I￿4 2S 14 IOJ&gn 11117.941 -79.4U. 41AMQ.55 3.110,15= los7￿& 111 1023&f8 40A5L (Jthul 57.L JJ.".96 2&( 165.36 15&31 2.617A8 tdKr 11.413 9.Il3.51 11.63 4M.473 830.459 2.414M? 433.LX5 407.08 4.440.£58 97L681 1-,5 14.413 3)53.Cd8 G.164.fj67) Q615.4131 17J41 S￿•0.13? 4.410.53 15.WJl 19.113311 lJ)5 l*_W3.lQ 12

Health Care 4 Alt llltern#lioBxA NOTLS TO THE FINANCIAL 5TATLMEN15 FOR THE YEAR ENDED 30 JUYI E 2025 FIXED A&SF.TS Bo•kV•tst Forth JfvJ•Tr2S Ywr B¥ildi) 883.696 883ffi96 10 414.063 46.963 461.026 Fwniwt¢ & FixtLrrt &14.843 ?4.5(KJ 069J43 10 ?33.6)6 3)￿{71 367207 302.136 'ehi¢le 2JQl SC 15 .651.31) 1?7J19 CCTV. ?S & Inr¢rnrt l.(K)i.frt)9 1.903.f 1ffi45.571. 64.51Q 1.710,081 193N lllr 5tr5Tcms 373.1] 37) If) 100.3<1 181.616 191 J84 14thJiul %1 lachinery & InsmTrcnt 10.?66.T69 798.86) 11.065.031 5J16.618 574A41 5J91.459 5.1 J j.5? A55cts fjli.li6 i&(M)o 631.136 10 245.661 3&548 346.9•7 ¥S.953 841J62 1&orJi 9.76733 907217 I￿9&￿9 17.1&&9S3 •3".JIM 9.767373 7A1&6AI FIXED ASSETS C( Artditi￿l A5t -45 It Rnie F•r th• Vmr l-Jil-24 1 ?03.67 969.87 4.500.50 Buildi RcnTri'atÉork Fwiure & FÈxtiw¢ Ve￿"Cle Conip¢ner5. crrv. IIPS & InlttrteT ? $63.88 68.88 1.945.lQ 10 io li41 70J5 817 Ll S.17? 5,53 j.7< 1.084JQ £333 1.084.30 3).64 466.14 i8É 4.9Y? 6? 556 10 Mtdic31 Ntschi5W' -ry.843 Sl 2J(rf).i4 51.84 32.144.05 1.834.21 10 10 15.455.28 714.13 Ih69 112 15.C.20 (kh¢r 14L7.93 52JILts• *j￿) 31JJO 21JS2 j￿J￿￿-z1 iJiiJ3 49J59.J". 6831 28J9324 21J65.93 13

Chartered Accountants INDF.PENDEKf AUDITOR'S REPORT TO THE MANACEMF.NT OF Mh HEALTH CARE 4 ALL INTERNATIONAL W¢ awliké the f¥weid of •k,Wi IIEALTII CARE 4 ALL INfERNATIONAL" thKlJ of th¢ of PoMi1￿ of Cath Fbm •1 a J#•• A I￿4 A4th tht fwm41 pwi Awdltsr'i R¢yAdbllil>'. ill 1ST C•Nir•. l•¢iw a. i•ii. i*l•th• 14

CHARITY COMMISSION FOR ENGLAND AND WALES Independent examlnorfs roport on the accounts SectioiiA Indei)eiideiit Exaininer's Report riiÉity NBm m•mb•r• of Heafth Care 4 all Intematlonal On Acc￿nIS forth• yur •nded 314t January 2025 Charlty no (11 •ny) 1187677 S•t out on pag I report to the tru8t88s on my examlnalon of the acajunts of tho abo¥ chadty (Ih• Tru8fi for t￿ year ènded Rupon•lblllde• and AB the ¢harfty t￿￿￿86 of tho Tru8t, you ara re8pon8lble for tho preparnlon ba•18 of rnport of the accounts In ac¢oThlance lth the requlrements of the ChartWe8 A 2011 cth8 Acr). I rewt in re8P8Ct of my •xamln•tion of tho Tru8t'8 aecounts carrlod Xrt under 88cUon 145 of tho 2011 Act and In ¢xrrylno out my exarnln8tton, I hove fo11th￿d the appllcabl8 Dlredon• g1￿ by the Charty Comml881on under 8ecdon 145(5Xb) of tha Act. I have ￿mplOted my examlnalon. l ¢onfimi that no materlal matters have come to my attention (Other than Ihat d18do6ed b8low') In connectlon lth th8 8xamIna￿On whlch me cause lo belleve that In. any matsrfal rn8pect: ocr￿untIng records ￿re not kept In accordanL¥J wlth 8ectlon 130 of theArtor the accounts do not accorrl wlth th• accountlrKJ r8cord8 I haw no Con￿18 arKI have come no otsr m•tter8 In wrTh¢lon th tre examlnatkjn to whlch attenllon $hould be drawn In order to 8n8b proper understandlng of the a¢o¥)unts to bo reach8d. ' Plea80 deleta the word• In t￿ brackets Mthey do nof ath. 0910912025 Indgpgnd•nt examlnerfs 8tatom•nt Slgned: Njmo: MR K HUSSAIN R•lovant prof•••l¢Jnal quallllcatlon(•) or body (If any): FAIA. FMAAT Addr•M: 21 DUCKWORTH LANE BRADFORD BD9 SER Octolxbr 2018

on￿ compl&tg K the ex8mlnor needs to hlghllgm matters of ￿n(￿n (Be8 CC32. Ind8P8ndent examlnatbn of chorlty accounts.. dlrectlons and guklan(x for eyamlner8). Glv• h•r• brhf dotallo of NONE •ny h•ms that tho amln•rwl•h•• to IER Octob•r 2018

Care 11 Int*nAflon 1187677 Recelpts and payments accounts CC18a Forth• wlod 31IoirAv25 Section A Reccipts aiid payiiieiits Unve51ricied fvnd• Endvrnnt fund• nd• Tot•1 fund• Al R•¢•lpt• sub Iotsi(Gross h7corn f¢Y ARJ 1117 Iw t•bl•l. a31307 1•2A Wn: EThrt 30.eT2 zio 175 Ie 149

f.718 31.718 Jl.715 C•th lund• l••t swr•n 199 CQXX R1 a0￿1&%)

Section B StLltciiieiil of assets Lin(1 li3bilitlcS &lt tlie end of the pe'riod C•t•iorl fund• nd• furK •)) fund• fvndl fvnd• D•tall• BS U•WIrt 81llrAturn DR 8yEDTIR￿ 8HPH R2 KetyJnts15S)

CHARITY COMMISSION FOR ENGLAND AND WALES Independent examlnerfs report on the accounts Section A Independent Examiners Report Rwrt to th trust•••l ' m•M￿rn of Health Car• 4 all Intemalloml On a¢¢ount8 for th• y•ar •nded 31* J•nuary2025 Charlty no (If any) 1187877 S•1 out on pag I report to th8 truBtee8 on my ex8mlnatlon of the aC￿unts of ￿ above charfty {Ihe Tru8V) for the year ended Rupon•lbllltlM and AB thé tharfty truBtee6 of tha Tnmt, YOU 8r6 responBlbb for the preparatlon •18 of r•port of the accounts In accordance with the raqulrements of the Charflles Act 2011 nhe W. I rèport in r•8peGt of my eX￿InatIOn of the Tru8t'B accourrt8 carrlod out under secuon 145 of the 2011 Act and In carrylng out my examlnatbn, I h•ve foll1)￿￿d the appllcabh Dlrectlon8 glvan by the Ch8rtty Commlsslon urKler saclon 145(5Xb) of the Act. I have completod my examlnatlon. l ¢orfflrni that no materlal matters have ome to my attenlion (Othèr than thot d18cIo8ed below.) In txfftnectlon vlth the examln8tion whloh glw8 me cause to belleve that In. Any materfal roBpect: 8ccountlng record8 were not kept In aceordance wlth 8ectlon 130 of the Act or the acco￿￿ do not accord ¥%lth the accounUTrJ records I have no concerrrd and havo come across no other matter8 In conne¢lk)n wilh the ex8mlnatlon to whlch attontk)n 8hould be dra4￿ In order to enab proper underst8rKllng of the a¢(x>unts to b8 reached. ' Ple888 deletg tho words In the Ixacket8 If they do not 8ppty. Indopondont •xamln•V8 8tatoment Slgnod: 0910912025 N•mo: MR K HUSSAIN R•l•vant profomlonal qualificatlon(8) or body (If •ny): FAIA, FMAAT Addr•M: 21 DUCKWORTH LANE BRADFORD BD9 SER Octob•r 2018

Sectioii B Disclosure on￿ complete ￿ the examlner naeds to hlghlight matterB of conixm (8e8 CC32. Indepandent ayamlnatlon of charlty accounts: dlrectlon8 and guldance for AaminerB). NONE Glv• h•r• brf•f datall• of any It•m8 that th• mlner WISh￿ to dl8¢1oM. IER Octobor 2018

148Ton Receipts and pa ments accounts CC16a Forth• wlod 31,fjlr￿ Soctioii A Receipts aiid P£iyiiieiits Unreslficied funth R••triGt•d fund• End¢wrnw fvnd• Tot•1 L••t Al R•e•lpts B￿anE• bll IKo8y HmRCR•Fu￿l 14.gjl Sub totd(Gtw forARJ A2 A•••t and In%wtrnwrt •ol•4 IM• t•bl•l. 1.16r I￿317 1•24 Furkl P•khthn ,672 31.715 3f,TlO 31.715 Jl.YtS Trnn•f•r• b•tw••n fund• A8 knd• l••t >••r •nd 191 CGIX Rl Iss)

Section B Stateinent of assets c?nd liabilities clt tlie end of the period Unr••trfd•d C•t•gorf ftMffict•d Dotsi fund• fvndB Endtya7rn•nt fund• nd• fun O•t•ll• fund• Fund B4 A•••ts r•taln•d for th• ¢harW• own u80 D•l•ll• BS Uabllftl•• Skrl or on b*ir of•ll th•trLwts DR SYEDTIAIQ KAZIM SHIII CCXX R2 alU￿ntI (SSI