OpenCharities

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

2024-12-31-accounts

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

REGISTERED CHARITY NUMBER: 1188150

REPORT OF THE TRUSTEES AND

UNAUDITED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 DECEMBER 2024

FOR

THE BEN RAEMERS FOUNDATION

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

CONTENTS OF THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024

Page
Report of the Trustees 1 to 3
Independent Examiner's Report 4
Statement of Financial Activities 5
Balance Sheet 6
Notes to the Financial Statements 7 to 13

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2024

The trustees present their annual report for the year ended 31 December 2024. This report has been
prepared in accordance with the Charities Act 2011.

OBJECTIVES AND ACTIVITIES

Objectives and aims

The foundation exists to preserve Ben Raemers' legacy and help prevent deaths by suicide. It supports the
skateboarding community by providing the knowledge and tools needed to understand and address mental
health.
Key objectives:
The Foundation works towards these objectives through:

Public benefit

The trustees have paid due regard to guidance issued by the Charity Commission in deciding what activities
the charity should undertake. All activities are considered accordingly.

Volunteers

The foundation considers the significant fundraising activities from our networks as part of volunteering. The
people who attend events and take part in training are also volunteering their time to advance the cause.
There have been exceptional examples of fundraising and support from volunteers in 2024. The Trustees
would like to thank everyone who has contributed, allowing the Foundation to continue to make tangible
change in addressing mental health in the skateboarding community.

ACHIEVEMENTS AND PERFORMANCE

Significant activities and achievements against objectives

The year saw meaningful progress in the delivery of the charity's objectives:
These activities demonstrate the foundation's ongoing impact in promoting mental health awareness, suicide
prevention, and community support within skateboarding.
Page 1

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2024

FINANCIAL REVIEW Financial position Overview

The Foundation is pleased to report that, thanks to the ongoing generosity of individuals and key industry
partners, it remains in a strong financial position, enabling continued support for the skateboarding
community. At the end of 2024, the charity held £346k in cash reserves, which will be used to deliver its core
objectives over the coming years.

Income and Expenditure

The charity's income is principally down to donations from individuals and corporate supporters within the
skateboarding industry. In 2024, total receipts, including restricted grants, amounted to £104k, matched by
expenditure of £104k.
Expenditure focused on advancing the Foundation's mission, including media and content production,
counselling sessions, events, and training programs delivered throughout the year.
The Trustees are confident that the Foundation has adequate reserves and resources to sustain its
operations for the foreseeable future. The Foundation's reserves policy is to maintain at least six months of
operational costs, a target it significantly exceeded as of 31 December 2024.

Risks

The Trustees have reviewed the major risks facing the charity and are satisfied that they are appropriate and
proportionate for an organisation of this size.

STRUCTURE, GOVERNANCE AND MANAGEMENT Governing document

The Foundation is a charitable incorporated organisation governed by a constitution. The trustees are
responsible for overall direction and decision-making.

REFERENCE AND ADMINISTRATIVE DETAILS

Registered Charity number

1188150

Registered office

Flat 4
120 Gowers Walk
London
E1 8GG
Page 2

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2024

Trustees

The trustees who served during the year and up to the date of signature of the financial statements were:
L Raemers
F Bortoli
S Crome
R Mathieson
R Collins (Chair)
J Prattent (Treasurer)
C Jones
J Bacon
B Lewis
Recruitment and appointment of trustees
Every trustee must be appointed for a term of three years by a resolution passed at a properly convened
meeting of the charity trustees.
In selecting individuals for appointment as charity trustees, the charity trustees must have regard to the
skills, knowledge and experience needed for the effective administration of the CIO.

Independent Examiner

Paul Underwood
Morris Crocker
Chartered Accountants
Station House
North Street
Havant
Hampshire
PO9 1QU
Approved by order of the board of trustees on ............................................. and signed on its behalf by:

................................................................. S Crome Trustee

Page 3

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF THE BEN RAEMERS FOUNDATION

Independent examiner's report to the trustees of Ben Raemers Foundation ('the Charity')

I report to the charity trustees on my examination of the accounts of the Charity for the year ended
31 December 2024.

Responsibilities and basis of report

As the charity's trustees 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 your charity's accounts as carried out under Section 145 of the
Charities Act 2011 ('the 2011 Act'). In carrying out my examination I have followed the Directions given by
the Charity Commission under Section 145(5) (b) of the Act.

Independent examiner's statement

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

1. accounting records were not kept in respect of the Charity as required by Section 130 of the Act; …………...or

2. the accounts do not accord with those records; or

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.
Paul Underwood
Morris Crocker
Chartered Accountants
Station House
North Street
Havant
Hampshire
PO9 1QU

30 October 2025 Date: .............................................

Page 4

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

STATEMENT OF FINANCIAL ACTIVITIES (INCORPORATING AN INCOME AND EXPENDITURE ACCOUNT) FOR THE YEAR ENDED 31 DECEMBER 2024

Unrestricted
fund
Notes
£
INCOME AND ENDOWMENTS FROM
Donations and legacies
2
63,387
Other trading activities
3
2,111
Total
65,498
EXPENDITURE ON
Charitable activities
4
Other fundraising costs
-
Charitable activities
67,341
Total
67,341
NET INCOME/(EXPENDITURE)
(1,842)
RECONCILIATION OF FUNDS
Total funds brought forward
321,597
TOTAL FUNDS CARRIED FORWARD
319,755
Restricted
fund
£
38,755
-
38,755
-
37,147
37,147
1,608
25,550
27,157
2024
Total
funds
£
102,142
2,111
104,253
-
104,488
104,488
(235)
347,147
346,912
2023
Total
funds
£
95,146
5,054
100,200
8,780
83,178
91,958
8,242
338,905
347,147
The notes form part of these financial statements
Page 5

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

BALANCE SHEET 31 DECEMBER 2024

Notes
FIXED ASSETS
Tangible assets
9
CURRENT ASSETS
Cash at bank
CREDITORS
Amounts falling due within one year
10
NET CURRENT ASSETS
TOTAL ASSETS LESS CURRENT
LIABILITIES
NET ASSETS
FUNDS
12
Unrestricted funds
Restricted funds
TOTAL FUNDS
2024
£
2,449
345,993
(1,530)
344,463
346,912
346,912
319,755
27,157
346,912
2023
£
3,043
345,634
(1,530)
344,104
347,147
347,147
321,597
25,550
347,147
The financial statements were approved by the trustees on .............................................
.................................................................

S Crome Trustee

The notes form part of these financial statements
Page 6

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements have been prepared in accordance with the charity's constitution, the
Charities Act 2011 and "Accounting and Reporting by Charities: Statement of Recommended Practice
applicable to 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)". The charity is a
Public Benefit Entity as defined by FRS 102.
The financial statements have departed from the Charities (Accounts and Reports) Regulations 2008
only to the extent required to provide a true and fair view. This departure has involved following the
Statement of Recommended Practice for charities applying FRS 102 rather than the version of the
Statement of Recommended Practice which is referred to in the Regulations but which has since
been withdrawn.
The financial statements are prepared in sterling, which is the functional currency of the charity.
Monetary amounts in these financial statements are rounded to the nearest £.
The financial statements have been prepared under the historical cost convention, modified to include
the revaluation of freehold properties and to include investment properties and certain financial
instruments at fair value. The principal accounting policies adopted are set out below.

Going concern

At the time of approving the financial statements, the trustees have a reasonable expectation that the
charity has adequate resources to continue in operational existence for the foreseeable future. Thus
the trustees continue to adopt the going concern basis of accounting in preparing the financial
statements.

Income

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the
funds, it is probable that the income will be received and the amount can be measured reliably.

Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation
committing the charity to that expenditure, it is probable that a transfer of economic benefits will be
required in settlement and the amount of the obligation can be measured reliably. Expenditure is
accounted for on an accruals basis and has been classified under headings that aggregate all cost
related to the category. Where costs cannot be directly attributed to particular headings they have
been allocated to activities on a basis consistent with the use of resources.

Tangible fixed assets

Depreciation is provided at the following annual rates in order to write off each asset over its
estimated useful life.
Fixtures and fittings -  25% on reducing balance
Computer equipment -  25% on reducing balance

Taxation

The charity is exempt from corporation tax on its charitable activities.

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the
trustees.
Restricted funds can only be used for particular restricted purposes within the objects of the charity.
Restrictions arise when specified by the donor or when funds are raised for particular restricted
purposes.
Further explanation of the nature and purpose of each fund is included in the notes to the financial
statements.
Page 7
continued...

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2024

2. DONATIONS AND LEGACIES

Donations
Grants
Grants received, included in the above, are as follows:
Tides to raise awareness and reduce stigma of mental health in
skateboarding
Other
Cons Project Grant
3.
OTHER TRADING ACTIVITIES
Fundraising events
4.
CHARITABLE ACTIVITIES COSTS
Charitable activities
5.
SUPPORT COSTS
Management
£
Charitable activities
103,988
Support costs, included in the above, are as follows:
Management
Wages
Insurance
Advertising
Consultancy services
Accountancy
PPS
Computer & IT
Travel
Carried forward
2024
2023
£
£
55,185
69,195
46,957
25,951
102,142
95,146
2024
2023
£
£
-
20,158
8,203
5,793
38,754
-
46,957
25,951
2024
2023
£
£
2,111
5,054
Support
costs (see
note 5)
£
104,488
Finance
Totals
£
£
500
104,488
2024
2023
Charitable
Total
activities
activities
£
£
24,250
27,500
820
-
10,221
7,896
54,869
34,150
-
1,530
730
359
548
1,412
10,111
6,798
101,549
79,645
Page 8
continued...

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2024

5. SUPPORT COSTS - continued

Management - continued

Brought forward
Subscriptions
Training
Depreciation of tangible and heritage
assets
Finance
Bank charges
Other
Other fundraising costs
2024
Charitable
activities
£
101,549
773
850
816
103,988
2024
Charitable
activities
£
500
2024
Total
activities
£
-
2023
Total
activities
£
79,645
1,148
410
1,473
82,676
2023
Total
activities
£
502
2023
Total
activities
£
8,780

6. NET INCOME/(EXPENDITURE)

Net income/(expenditure) is stated after charging/(crediting):
Depreciation - owned assets 2024
£
816
2023
£
1,473

7. TRUSTEES' REMUNERATION AND BENEFITS

 …For the year ended 31 December 2024, F Bortoli received £2,463 (2023: £750), L Raemers received
………£1,045 (2023: £530) and S Crome received £24,250 (2023: £23,250) for Consultancy services. R
………Mathieson received £28,175 (2023: £33,750) for Content & Media services.

Trustees' incidentals expenses

Trustees' incidentals expenses
2024 2023
£ £
J Prattent 33 -
L Raemers - 106
R Mathieson 249 1,347
S Crome 557 800
Page 9
continued...

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2024

8.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES
2023 2023
Unrestricted
Restricted
fund
fund
£
£
INCOME AND ENDOWMENTS FROM
Donations and legacies
74,988
20,158
Other trading activities
5,054
-
Total
80,042
20,158
EXPENDITURE ON
Charitable activities
Other fundraising costs
8,780
-
Charitable activities
74,843
8,335
Total
83,623
8,335
NET INCOME/(EXPENDITURE)
(3,581)
11,823
RECONCILIATION OF FUNDS
Total funds brought forward
325,178
13,727
TOTAL FUNDS CARRIED FORWARD
321,597
25,550
9.
TANGIBLE FIXED ASSETS
Fixtures
and
Computer
fittings
equipment
£
£
COST
At 1 January 2024
325
5,720
Additions
222
-
At 31 December 2024
547
5,720
DEPRECIATION
At 1 January 2024
155
2,847
Charge for year
98
718
At 31 December 2024
253
3,565
NET BOOK VALUE
At 31 December 2024
294
2,155
At 31 December 2023
170
2,873
Total
funds
£
95,146
5,054
100,200
8,780
83,178
91,958
8,242
338,905
347,147
Totals
£
6,045
222
6,267
3,002
816
3,818
2,449
3,043
Page 10
continued...

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2024

10. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

Accrued expenses
11.
ANALYSIS OF NET ASSETS BETWEEN FUNDS
Unrestricted
Restricted
fund
fund
£
£
Fixed assets
2,449
-
Current assets
318,836
27,157
Current liabilities
(1,530)
-
319,755
27,157
12.
MOVEMENT IN FUNDS
At 1.1.24
£
Unrestricted funds
General fund
321,597
Restricted funds
The Cons 24 Project
13,727
Tides
11,823
TOTAL FUNDS
347,147
Net movement in funds, included in the above are as follows:
Incoming
resources
£
Unrestricted funds
General fund
65,498
Restricted funds
The Cons 24 Project
38,755
Tides
-
TOTAL FUNDS
104,253
2024
2023
£
£
1,530
1,530
2024
2023
Total
Total
funds
funds
£
£
2,449
3,043
345,993
345,634
(1,530)
(1,530)
346,912
347,147
Net
movement
At
in funds
31.12.24
£
£
(1,842)
319,755
13,430
27,157
(11,823)
-
(235)
346,912
Resources
Movement
expended
in funds
£
£
(67,340)
(1,842)
(25,325)
13,430
(11,823)
(11,823)
(104,488)
(235)
Page 11
continued...

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2024

12. MOVEMENT IN FUNDS - continued

Comparatives for movement in funds

Unrestricted funds
General fund
Restricted funds
The Cons 24 Project
Tides
TOTAL FUNDS
At 1.1.23
£
325,178
13,727
-
338,905
Net
movement
in funds
£
(3,581)
-
11,823
8,242
At
31.12.23
£
321,597
13,727
11,823
347,147
Comparative net movement in funds, included in the above are as follows:
Unrestricted funds
General fund
Restricted funds
The Cons 24 Project
Tides
TOTAL FUNDS
Incoming
resources
£
80,042
-
20,158
100,200
Resources
Movement
expended
in funds
£
£
(83,623)
(3,581)
-
-
(8,335)
11,823
(91,958)
8,242
A current year 12 months and prior year 12 months combined position is as follows:
Unrestricted funds
General fund
Restricted funds
The Cons 24 Project
Tides
TOTAL FUNDS
At 1.1.23
£
325,178
13,727
-
338,905
Net
movement
in funds
£
(5,423)
13,430
-
8,007
At
31.12.24
£
319,755
27,157
-
346,912
Page 12
continued...

Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

THE BEN RAEMERS FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2024

12. MOVEMENT IN FUNDS - continued

A current year 12 months and prior year 12 months combined net movement in funds, included in the
above are as follows:
Unrestricted funds
General fund
Restricted funds
The Cons 24 Project
Tides
TOTAL FUNDS
Incoming
resources
£
145,540
38,755
20,158
204,453
Resources
Movement
expended
in funds
£
£
(150,963)
(5,423)
(25,325)
13,430
(20,158)
-
(196,446)
8,007

…..The Cons 24 Project

…..A series of skate trips and community events blending skate culture with mental health advocacy.
………Professional skaters will travel across the UK, Europe, and the USA, connecting with local
………communities through street skating, demos, and collaborative sessions. Each stop includes mental
………health talks, sharing resources, and personal stories to raise awareness and reduce stigma. The
………journey will be documented through films capturing local experiences.

…..Tides

…..Tides to raise awareness and reduce stigma of mental health in skateboarding.

13. RELATED PARTY DISCLOSURES

There were no related party transactions for the year ended 31 December 2024.

14. ULTIMATE CONTROLLING PARTY

The Charity is not under the control of another entity or any one individual.
Page 13

Virtual Cabinet Portal Digital Signatures Docusign Envelope ID: 43558C2E-3ED4-4939-8337-D4770DEE0D2A

Digital Signature Verification

You can verify that this is a genuine Virtual Cabinet Document Portal signed document by uploading it to the following secure web page:

https://www.virtualcabinetportal.com/VerifySignedDocument

Signature Dates and Times

All dates and times shown in the signatures below are expressed in Coordinated Universal Time (UTC), which is generally equivalent to GMT. You can find out more about UTC at the following web page:

http://www.virtualcabinetportal.com/WhatIsUTC

Signature 1

Signed by susie crome using authentication code MnIxJWZNbGVjeXdW at IP address 62.232.115.124, on 2025/10/29 11:23:51 Z.

susie crome's e-mail address is: thebenraemersfoundation@gmail.com.

Certificate Of Completion

Envelope Id: 43558C2E-3ED4-4939-8337-D4770DEE0D2A Subject: Complete with Docusign: Independent Examination 31.12.2024.pdf Source Envelope: Document Pages: 16 Signatures: 1 Certificate Pages: 4 Initials: 0 AutoNav: Enabled EnvelopeId Stamping: Enabled Time Zone: (UTC) Dublin, Edinburgh, Lisbon, London

Status: Completed

Envelope Originator: Natasha Tolfrey Station House North Street Havant, PO9 1QU n.tolfrey@morriscrocker.co.uk IP Address: 20.108.247.124

Record Tracking

Status: Original 10/30/2025 2:49:34 PM

Holder: Natasha Tolfrey n.tolfrey@morriscrocker.co.uk

Location: DocuSign

Signer Events Signature Timestamp Paul Underwood Sent: 10/30/2025 2:53:52 PM p.underwood@morriscrocker.co.uk Viewed: 10/30/2025 2:55:22 PM Director Signed: 10/30/2025 2:55:46 PM Security Level: Email, Account Authentication (None) Signature Adoption: Pre-selected Style Using IP Address: 20.108.247.124 Electronic Record and Signature Disclosure: Accepted: 10/30/2025 2:55:22 PM ID: 349f3cc4-437c-4cac-aa66-de6b418af0fa

In Person Signer Events Signature Timestamp
Editor Delivery Events Status Timestamp
Agent Delivery Events Status Timestamp
Intermediary Delivery Events Status Timestamp
Certified Delivery Events Status Timestamp
Carbon Copy Events Status Timestamp
Natasha Tolfrey Sent: 10/30/2025 2:55:48 PM
n.tolfrey@morriscrocker.co.uk Resent: 10/30/2025 2:55:49 PM
Administration Viewed: 10/30/2025 2:56:30 PM
Morris Crocker
Security Level: Email, Account Authentication
(None)
Electronic Record and Signature Disclosure:
Not Offered via Docusign
Witness Events Signature Timestamp
Notary Events Signature Timestamp
Envelope Summary Events Status Timestamps
Envelope Sent Hashed/Encrypted 10/30/2025 2:53:53 PM
Certified Delivered Security Checked 10/30/2025 2:55:22 PM
Signing Complete Security Checked 10/30/2025 2:55:46 PM
Envelope Summary Events Status Timestamps
Completed Security Checked 10/30/2025 2:55:48 PM
Payment Events Status Timestamps
Electronic Record and Signature Disclosure

Electronic Record and Signature Disclosure created on: 9/3/2025 2:44:48 PM Parties agreed to: Paul Underwood

ELECTRONIC RECORD AND SIGNATURE DISCLOSURE

From time to time, Morris Crocker Limited (we, us or Company) may be required by law to provide to you certain written notices or disclosures. Described below are the terms and conditions for providing to you such notices and disclosures electronically through the DocuSign system. Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to this Electronic Record and Signature Disclosure (ERSD), please confirm your agreement by selecting the check-box next to ‘I agree to use electronic records and signatures’ before clicking ‘CONTINUE’ within the DocuSign system.

Getting paper copies

At any time, you may request from us a paper copy of any record provided or made available electronically to you by us. You will have the ability to download and print documents we send to you through the DocuSign system during and immediately after the signing session and, if you elect to create a DocuSign account, you may access the documents for a limited period of time (usually 30 days) after such documents are first sent to you. After such time, if you wish for us to send you paper copies of any such documents from our office to you, you will be charged a $0.00 per-page fee. You may request delivery of such paper copies from us by following the procedure described below.

Withdrawing your consent

If you decide to receive notices and disclosures from us electronically, you may at any time change your mind and tell us that thereafter you want to receive required notices and disclosures only in paper format. How you must inform us of your decision to receive future notices and disclosure in paper format and withdraw your consent to receive notices and disclosures electronically is described below.

Consequences of changing your mind

If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can complete certain steps in transactions with you and delivering services to you because we will need first to send the required notices or disclosures to you in paper format, and then wait until we receive back from you your acknowledgment of your receipt of such paper notices or disclosures. Further, you will no longer be able to use the DocuSign system to receive required notices and consents electronically from us or to sign electronically documents from us.

All notices and disclosures will be sent to you electronically

Unless you tell us otherwise in accordance with the procedures described herein, we will provide electronically to you through the DocuSign system all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during the course of our relationship with you. To reduce the chance of you inadvertently not receiving any notice or disclosure, we prefer to provide all of the required notices and disclosures to you by the same method and to the same address that you have given us. Thus, you can receive all the disclosures and notices electronically or in paper format through the paper mail delivery system. If you do not agree with this process, please let us know as described below. Please also see the paragraph immediately above that describes the consequences of your electing not to receive delivery of the notices and disclosures electronically from us.

How to contact Morris Crocker Limited:

You may contact us to let us know of your changes as to how we may contact you electronically, to request paper copies of certain information from us, and to withdraw your prior consent to receive notices and disclosures electronically as follows:

To contact us by email send messages to: mc@morriscrocker.co.uk

To advise Morris Crocker Limited of your new email address

To let us know of a change in your email address where we should send notices and disclosures electronically to you, you must send an email message to us at mc@morriscrocker.co.uk and in the body of such request you must state: your

previous email address, your new email address. We do not require any other information from you to change your email address

If you created a DocuSign account, you may update it with your new email address through your account preferences.

To request paper copies from Morris Crocker Limited

To request delivery from us of paper copies of the notices and disclosures previously provided by us to you electronically, you must send us an email to mc@morriscrocker.co.uk and in the body of such request you must state your email address, full name, mailing address, and telephone number. We will bill you for any fees at that time, if any.

To withdraw your consent with Morris Crocker Limited

To inform us that you no longer wish to receive future notices and disclosures in electronic format you may:

i. decline to sign a document from within your signing session, and on the subsequent page, select the check-box indicating you wish to withdraw your consent, or you may;

ii. send us an email to mc@morriscrocker.co.uk and in the body of such request you must state your email, full name, mailing address, and telephone number. We do not need any other information from you to withdraw consent. The consequences of your withdrawing consent for online documents will be that transactions may take a longer time to process.

Required hardware and software

The minimum system requirements for using the DocuSign system may change over time. The current system requirements are found here: https://support.docusign.com/guides/signer-guide-signing-system-requirements.

Acknowledging your access and consent to receive and sign documents electronically

To confirm to us that you can access this information electronically, which will be similar to other electronic notices and disclosures that we will provide to you, please confirm that you have read this ERSD, and (i) that you are able to print on paper or electronically save this ERSD for your future reference and access; or (ii) that you are able to email this ERSD to an email address where you will be able to print on paper or save it for your future reference and access. Further, if you consent to receiving notices and disclosures exclusively in electronic format as described herein, then select the checkbox next to ‘I agree to use electronic records and signatures’ before clicking ‘CONTINUE’ within the DocuSign system.

By selecting the check-box next to ‘I agree to use electronic records and signatures’, you confirm that:

You can access and read this Electronic Record and Signature Disclosure; and