## **UPNEY BAPTIST CHURCH**
## **30 November 2024**
## **Report and Annual Accounts**
## **Charitable Incorporated Organisation**
**Charity Commission Registered Number: 1197596**
Tandem Accounting Limited Chartered Accountants 17 Heathville Road London N19 3AL
## **UPNEY BAPTIST CHURCH**
## **Report and Annual Accounts 2024 Contents**
||**Page**|
|---|---|
|**Legal & Administrative Information**|**2**|
|**Report of the Trustees**|**3**|
|**Independent Examiner's report to the Trustees**|**7**|
|**Receipts and payments account**|**8**|
|**Statement of assets and liabilities**|**9**|
|**Notes to the accounts**|**10**|
1
## **UPNEY BAPTIST CHURCH**
## **Legal & Administrative Information For the year ended 30 November 2024**
|**Charity Name**|Upney Baptist Church.|Upney Baptist Church.|Upney Baptist Church.|Upney Baptist Church.|||
|---|---|---|---|---|---|---|
|**Charity Registration**|The|church previously had excepted registration status. A Charitable Incorporated|||||
||Organisation (CIO)||in|the church name was|registered on 20thJanuary 2022 (registration||
||number 1197596) and|||the assets of the church (excluding property) were transferred to the|||
||CIO on 30thNovember 2022.||||||
|**Governing Document**|CIO|Association Model document dated 20 January 2022. The church is governed by its own|||||
||constitution and rules as approved at the church members' meeting. The revised (and||||||
||extended) rules of||government were approved at the members’ meeting held on 23rd||||
||November 2021.||||||
|**Objective**|(1)|the advancement||of the Christian faith as a Baptist church and in accordance with the|||
|||basis of faith|primarily but not exclusively within Barking and the surrounding||||
|||neighbourhood; and|||||
||(2)|such other charitable purposes as shall, in the opinion of the charity trustees, put into|||||
|||practice the Christian faith in accordance with the basis of faith, including but not limited|||||
|||to: the prevention and relief of need, hardship and||||sickness; the advancement of|
|||education; and|the provision of facilities in the interests|||of social welfare for recreation or|
|||other leisure time occupation of individuals who have need of such facilities by reason of|||||
|||their youth, age, infirmity or disability, financial hardship or social circumstances with the|||||
|||object of improving their conditions of life.|||||
|**Affiliation**|The Church is a member of the Fellowship of Independent Evangelical Churches.||||||
|**Principal Address**|9-11 Cavendish Gardens Barking IG11 9DR.||||||
|**Trustees**|The Trustees who served during the period or who were serving at the date of this report were:||||||
||Jonny Dowds|||Pastor (resigned 30 April 2025)|||
||Josh Turner||||||
||Mary Parish||||||
||George Rae||||||
||Graham King|||(appointed 16 February 2025)|||
|**Key Management**|Those in charge of planning, directing, controlling, running and operating the Charity, including||||||
|**Personnel**|those members of staff who are the senior management personnel to whom the trustees have||||||
||delegated significant authority or responsibility in the day-to-day running of the charity are the||||||
||Trustees.||||||
|**Bankers**|Lloyds Bank Plc||||||
||11 Station Parade||||||
||Barking IG11 8ED||||||
|**Independent**|John Helm ACA||||||
|**Examiner**|Tandem Accounting Ltd||||||
||17 Heathville Road||||||
||London N19 3AL||||||
2
## **UPNEY BAPTIST CHURCH**
## **Report of the Trustees For the year ended 30 November 2024**
The Trustees submit their report and annual accounts of Upney Baptist Church (“the Church”) for the year ended 30 November 2024. The legal and administrative information set out earlier in this document forms part of this report.
## **1. Structure, Governance & Management**
## **1.1 The Trustees**
The Trustees of the Church are the persons appointed as elders, or elected by the members (if there are insufficient elders) in accordance with the Church Constitution and are responsible for the day to day management of the Church’s business in accordance with the Church’s objects. One of the Trustees (the Pastor) received remuneration.
The induction process for any newly appointed Trustee comprises an initial meeting with the trustees and receipt of copies of the Church Constitution.
## **1.2 Church Members**
Church members share in the responsibility for the finances, administration, maintenance and activities of the Church and elect the Trustees. Church members meet at least 3 times per annum for business meetings and to receive reports from the Trustees.
Requirements for Church membership are:
1. profession of repentance towards God and faith in our Lord Jesus Christ;
2. baptism;
3. evidence of God’s grace in a consistent Christian life;
4. regular attendance at the Sunday service and midweek prayer meeting;
5. a desire to participate further in the privileges, obligations and fellowship of the church; and
6. acceptance of the Rules of Government of the church.
## **1.3 Risk Management**
The Church’s primary concern and objective is the glory of God. Whilst it is the Church’s policy to trust wholly in the Lord that He will work out His purpose to this end, the Church also acknowledges that it has a responsibility, both as individual members and as a body of members, for the proper management of the Church in accordance with applicable laws and accepted good practice and for ensuring that the risks faced by the Church in achieving its primary aim are addressed as best as possible. The trustees believe that, by monitoring reserve levels, by ensuring that controls exist over key financial systems, and by examining the operational risks faced by the church, it has established effective systems and procedures to mitigate those risks.
## **2. Activities & Strategies**
The Church is committed to maintaining a Gospel witness in the Barking area of East London.
The Trustees have given due regard to the Charity Commission’s guidance on public benefit. The Trustees believe that the Church provides benefit to the public by:
- providing resources and facilities for public worship, pastoral care and spiritual, moral and educational
- development, both for the congregation and for anyone else who wishes to benefit from what the Church offers; and
- promoting Christian values and service by members of the congregation to the community, for the benefit of
- individuals and society as a whole.
At the start of the period the Church continued to carry out the following activities, in order to promote the Gospel in the local neighbourhood and fulfil its main objects.
- Sunday morning worship service and pre-service prayer meeting.
- Prayer meetings and Bible studies.
- Sunday school classes for 4-14 year olds.
3
## **UPNEY BAPTIST CHURCH**
## **Report of the Trustees For the year ended 30 November 2024**
- Holiday Bible Club and Youth Events in the school summer holiday.
- Christmas and Easter outreach services.
- Girls Brigade weekly during term time.
- Evangelistic events.
- Supporting other local evangelical churches.
## **3. Achievements and Performance**
As the year started Upney Baptist Church continued in its work of sharing the gospel in the local community.
Sunday morning worship continued to be held in person as well as being live streamed on YouTube for the benefit of those unable to attend in person. It was also available for viewing by people outside of the church. For the adults, there was also the opportunity to gather before the main service for a time of prayer. For the children, Sunday school was held before the main service, generally during term time.
On Tuesday evenings the church gathered for the prayer meeting when committed members of the church came together to pray for the activities of the church, connected missionaries and organisations, and the community at large, preceded by devotions. On alternate Tuesday evenings there was a Bible study and a time of prayer.
On Wednesday afternoons Women’s Own continued in its new monthly format. This group of older ladies met each month to hear a speaker bring a gospel message and to support one another and enjoy fellowship. Our membership has stabilised at around 15, after dropping during the pandemic, and we are encouraged by the presence of ladies whose only contact with the church is through this group. We are also grateful for the support of speakers from other churches to help in this ministry. In January 2024 we renamed the group “Wednesday Fellowship” in order to open it up to both men and women.
All members of the community are invited and welcome to attend these events.
We were able to hold a Children’s Holiday Club at the end of July 2024 – its theme was “Mission Possible” and there were about 35 children that registered. A full week of activities was held with 5 morning sessions for younger children, also 2 evening youth events plus 2 family fun nights which ended with a short Bible talk and were greatly enjoyed by the families who took part. In this outreach we were assisted as before by young people from Northern Ireland and as always, our thanks go to the Association of Baptist Churches in Ireland for recruiting an enthusiastic and energetic team to help make the week a success.
Two of our church members served as leaders for “The Ranch”, a three-day residential activity which is held in conjunction with other local evangelical churches.
Our Girls’ Brigade company continued to meet. Although numbers of girls are small, the Leaders have worked hard to maintain and try to grow the Company. An Awards Evening was held in May and a Fundraising event in October.
We were also pleased to support one of our young members who has taken a second year’s internship with the charity, Agape UK and now working with the Digital Strategies Team focussing on evangelism and discipleship
We were also pleased to host a Study Day for the Protestant Truth Society which was a great opportunity for learning and sharing fellowship with people from other churches. It is planned that this will be repeated in 2025.
We celebrated 89 years of faithful Christian witness at Upney with a church anniversary weekend. As well as the usual Sunday worship service we also held a fellowship lunch. Our visiting speaker for the day was John Samuel, a recently retired pastor now serving with the Fellowship of Independent Evangelical Churches as a Regional Director.
We have continued to be involved with the London Gospel Partnership which allies Upney with about 10 other churches in the local area.
Mr Jonny Dowds has been serving as pastor since July 2013. The church has been very pleased with his dedication to teaching and his concern for the church fellowship and the local community. As a church we are saddened that he has now
4
## **UPNEY BAPTIST CHURCH**
## **Report of the Trustees For the year ended 30 November 2024**
been called to another church but know that this is God’s will for him. The church has been able to ask a recently retired pastor, who is already known to the church, to serve as a Moderator. He has kindly agreed to do and he will help our remaining Elder with advice and some preaching commitments during the interregnum to enable the church to move forward and seek a new Pastor. Our remaining Elder will lead the church in the meantime as we seek God’s guidance for the future.
The church has been a member of the FIEC (Fellowship of Independent Evangelical Churches) since the end of 2015.
We continued to welcome new attendees to the congregation. One young couple have since been received into membership.
The ‘Safer Neighbourhood Police Panel’ continued to hold their regular meetings in the church building. Children from the local Infants school also visited the church on 26th November 2024 to discover ‘What Baptists Believe.’
## **4. Financial Review**
## **4.1 Financial Activity and Financial Position**
The Church’s main sources of funding are the free will offerings of church members.
The Receipts & Payments Account and Statement of Assets and Liabilities can be found on pages 8 and 9 respectively. The Church’s cash reserves increased by £11,245 during the year to £58,354 (2023: increased by £1,691 to £47,109).
Included in reserves are amounts totalling £1,469 (2023: £979) which are restricted. These monies have either been raised for, and their use restricted to, specific purposes, or they comprise donations subject to donor-imposed conditions.
## **4.2 Reserves Policy**
The Trustees have considered the level of resources they wish to retain, appropriate to the charity’s needs. This is based on the charity’s size and the level of commitments held. The Trustees aim to ensure the charity will be able to continue to fulfil its charitable objectives even if there is a temporary shortfall in income or unexpected expenditure.
## **4.3 Mission giving**
There are two ways in which UBC gives to mission.
**4.3.1** The designated mission fund is allocated a percentage of general giving (7% during 2023/24). From this fund payments are made regularly to organisations or missionary friends to whom we have committed support. Payments from this fund are made under the direction of the Church Leadership.
Those receiving regular support during the year were Mark & Florina Darvell (in Romania) and Phil & Carolyn Reid (in West Africa). The Reids were paid through the organisation Serving in Mission. We have also supported one of our young church members who is doing a 2[nd] year’s internship with Agape UK, working with the Digital Strategies Team.
Payment is also made to support Olive Howard after her retirement from the mission field, but this has been discontinued following her move to residential care.
**4.3.2** The special fund is a fund to facilitate special collections. Principally at Christmas and Harvest (our anniversary offering is now used for the needs of the church) we invite the church to donate to a specified cause and then pay over the total to the organisation. It can also facilitate payments by individual members at other times who feel led to give to an organisation/people we regularly support.
## **5. Plans for Future Periods**
Continue the main activities of the church.
5
## **UPNEY BAPTIST CHURCH**
## **Report of the Trustees For the year ended 30 November 2024**
## **6. Responsibilities of Trustees for the Annual Accounts**
Charity law requires the Trustees to prepare accounts for each accounting year which record the receipts and payments of the charity for the year. The Trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time the financial position of the charity and enable us to ensure that the annual accounts comply with the Charities Act 2011. The Trustees also have a responsibility to safeguard the assets of the charity and to take reasonable steps to prevent fraud or any other irregularities.
## **7. Approval**
The report of the Trustees was approved by the Trustees on 19 June 2025 and signed on its behalf by:
## **George Rae Trustee**
6
## **UPNEY BAPTIST CHURCH**
## **Report of the Independent Examiner to the Trustees of Upney Baptist Church**
I report on the annual accounts of Upney Baptist Church for the period ended 30 November 2024, set out on pages 8 to 12.
This report is made solely to the Church Trustees in accordance with section 145 of the Charities Act 2011 (the Act). My independent examination has been undertaken so that I might state to the Trustees those matters I am required to state to them in an independent examiner’s report and for no other purpose. To the fullest extent permitted by the law, I do not accept responsibility to anyone other than the Trust and the Trustees for my independent examination, for this report, or the opinions I have formed.
## **RESPECTIVE RESPONSIBILITIES OF TRUSTEES AND EXAMINER**
The Church Trustees consider that an audit is not required for this (under section 144(2) of the Act) and that an independent examination is needed.
It is my responsibility to:
- Examine the accounts (under section 145 of the Act);
- To follow the procedures laid down in the General Direction given by the Charity Commission (under section 145(5)(b) of the Act); and
- To state whether particular matters have come to my attention.
## **BASIS OF INDEPENDENT EXAMINER’S STATEMENT**
My examination was carried out in accordance with General Directions given by the Charity Commissioners. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts and seeking explanations from the Church 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 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 church as required by section 130 of the Act; or
2. the accounts do not accord with those records; or
3. the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair view’ which is not a matter considered as part of an independent examination.
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.
## **John Helm ACA**
Tandem Accounting Ltd 17 Heathville Road London N19 3AL
19 June 2025
7
## **UPNEY BAPTIST CHURCH**
## **Receipts & Payments Account For the year ended 30 November 2024**
|**Note**
**Income from:**
2
Donations and legacies
**Total Income**
**Expenditure on:**
3
Raising funds
Charitable activities
**Total Expenditure**
**Net income/(expenditure)**
**Net movement in funds**
**Total funds brought forward**
**Total funds carried forward**
**5, 6**
|**Unrestricted**
**Funds**
**2024**
**£**
89,535|**Restricted**
**Funds**
**2024**
**£**
4,589
**4,589**
-
4,099
**4,099**
**490**
**490**
**979**
**1,469**||**Unrestricted**
**Funds**
**2023**
**£**
63,957
**63,957**
-
60,026
**60,026**
**3,931**
**3,931**
**42,199**
**46,130**|**Restricted**
**Funds**
**2023**
**£**
2,927
**2,927**
-
5,167
**5,167**
**(2,240)**
**(2,240)**
**3,219**
**979**|**Total**
**2023**
**£**
66,884|
|---|---|---|---|---|---|---|
||||**Total**||||
||||**2024**||||
||||**£**||||
||||||||
||||94,124||||
||||||||
||**89,535**|||||**66,884**|
||||**94,124**||||
||||||||
||-
78,780
**78,780**
**10,755**
**10,755**
**46,130**
**56,885**|||||-
65,193|
||||||||
||||-||||
||||82,879||||
||||||||
|||||||**65,193**|
||||**82,879**||||
||||||||
|||||||**1,691**|
||||**11,245**||||
||||||||
|||||||**1,691**
**45,418**|
||||**11,245**||||
||||||||
||||**47,109**||||
||||||||
|||||||**47,109**|
||||**58,354**||||
||||||||
||||||||
8
## **UPNEY BAPTIST CHURCH**
## **Statement of Assets & Liabilities As at 30 November 2024**
|**Note**
**Assets**
Tangible Assets
4
Debtors
Gift Aid Receivables: 2020
Gift Aid Receivables: 2021
Gift Aid Receivables: 2022
Gift Aid Receivables: 2023
Gift Aid Receivables: 2024
Cash At Bank And In Hand
**Liabilities**
PAYE and NIC
Independent examination
Trade creditors
**Total Assets Less Liabilities**|**Unrestricted**
**Funds**
**2024**
**£**
-
-
12,586
13,097
-
8,711
34,394
56,885
91,279
-
960
322
**89,997**|**Restricted**
**Funds**
**2024**
**£**
-
-
-
-
-
-
0
1,469
1,469
-
-
-
**1,469**||**Total**
**2023**
**£**
-
810
12,586
13,383
11,499
-|
|---|---|---|---|---|
||||**Total**||
||||**2024**||
||||**£**||
||||||
||||-||
||||||
||||||
||||-||
||||12,586||
||||13,097||
||||-||
||||8,711||
||||||
|||||38,278
47,109|
||||34,394||
||||||
||||58,354||
||||||
|||||85,387
5,814
960
-|
||||92,748||
||||||
||||-||
||||960||
||||322||
||||||
|||||**78,613**|
||||**91,466**||
||||||
||||||
The annual accounts were approved by the Trustees on 19 June 2025 and signed on its behalf by:
## **George Rae Trustee**
9
## **UPNEY BAPTIST CHURCH**
## **Notes to the Accounts For the year ended 30 November 2024**
## **1. Basis of Accounting**
The accounts have been prepared on a receipts and payments basis.
## **2. Income**
|**2. Income**|||
|---|---|---|
|**Unrestricted**
**Funds**
**2024**
**£**
**Restricted**
**Funds**
**2024**
**£**
Donations and legacies
Offerings and donations
72,353
4,011
Gift aid Tax reclaimed
17,182
578
**89,535**
**4,589**|||
||**Total**|**Total**|
||**2024**|**2023**|
||**£**|**£**|
||||
||76,364|66,884|
||17,760|-|
||||
||**94,124**|**66,884**|
||||
## **3. Expenditure**
|Wages & salaries
Church Life & Outreach
Missionary & Charitable Giving
Provision of Office & Support
Provision of Buildings and Facilities
Governance|**Unrestricted**
**Funds**
**2024**
**£**
**Restricted**
**Funds**
**2024**
**£**
49,889
-
1,333
528
4,008
1,281
1,034
-
21,556
2,290
960
-
**78,780**
**4,099**|||
|---|---|---|---|
|||**Total**|**Total**|
|||**2024**|**2023**|
|||**£**|**£**|
|||||
|||49,889|32,525|
|||1,861|5,571|
|||5,289|9,617|
|||1,034|1,965|
|||23,846|13,595|
|||960|1,920|
|||||
|||||
|||**82,879**|**65,193**|
|||||
|||||
## **4. Tangible Fixed Assets**
The church has the beneficial ownership of two buildings, both held by the custodian trustee The London Baptist Property Board:
- The church building at 9-11 Cavendish Gardens, Barking, IG11 9DR. It is insured for £2.360,000.
- The manse at 2 Brockdish Avenue, Barking, Essex IG11 9DS. It is insured for £349,404.
The church owns other equipment. It is insured for £75,000. All fixed assets are used for direct charitable purposes. Some of the furniture, computers and equipment is used both for direct charitable purposes and the management and administration of the church.
10
## **UPNEY BAPTIST CHURCH**
## **Notes to the Accounts For the year ended 30 November 2024**
## **5. Restricted Funds**
|**5a Current year**
Girls Brigade
Missionary Fund
Chairs Fund
Special Fund
Wednesday Fellowship
Youth Fund
Development Fund
Building Fund
**5b Prior year**
Girls Brigade
Special Fund
Women’s Own
Youth Fund
Development Fund
Building Fund||**At 1**
**December**
**2023**
**£**
198
0
0
100
266
0
226
189
**979**||**Income**
**£**
**Expenditure**
**£**
420
-
250
(250)
320
-
828
(891)
632
(630)
38
(38)
-
-
2,101
(2,290)
**4,589**
**(4,099)**|**Income**
**£**
**Expenditure**
**£**
420
-
250
(250)
320
-
828
(891)
632
(630)
38
(38)
-
-
2,101
(2,290)
**4,589**
**(4,099)**|**Transfers**
**£**
-
-
-
-
-
-
-
-|**At 30**|**At 30**|
|---|---|---|---|---|---|---|---|---|
||||||||**November**||
|||||||||**2024**|
|||||||||**£**|
||||||||||
|||||||||618|
|||||||||0|
|||||||||320|
|||||||||37|
|||||||||268|
|||||||||0|
|||||||||226|
|||||||||0|
||||||||||
|||||||**0**|||
|||||||||**1,469**|
||||||||||
||||||||||
|||**At 1**
**December**
**2022**
**£**
198
715
1,050
30
1,226
0
**3,219**||**Income**
**£**
**Expenditure**
**£**
-
-
989
(1,604)
467
(1,101)
150
(180)
-
(1,000)
1,321
(1,282)
**2,927**
**(5,167)**|||||
|||**At 1**
**December**
**2022**
**£**
198
715
1,050
30
1,226
0
**3,219**||||**Transfers**
**£**
-
-
(150)
-
-
150||**At 30**|
||||||||**November**||
|||||||||**2023**|
|||||||||**£**|
||||||||||
|||||||||198|
|||||||||100|
|||||||||266|
|||||||||0|
|||||||||226|
|||||||||189|
||||||||||
|||||||**0**|||
|||||||||**979**|
||||||||||
||||||||||
The transfer between the restricted funds is to contribute towards the Building fund.
Descriptions of the main funds are as follows:
**Missionary Fund -** used to support missionary work.
**Youth Fund -** income used to sponsor the education of 2 children in Uganda through the charity Love in Action.
**Special Fund –** funds specifically designated to be paid to certain causes/individuals.
**Development Fund** - to support church members' spiritual development (attending Bible College, going on courses, etc).
**Building Fund -** anniversary offerings and other monies given for a specific purpose.
**Chairs Fund –** anniversary offering for the provision of replacement chairs.
**Wednesday Fellowship (formerly known as Women’s Own)** – used to support the Wednesday Fellowship meeting and give to chosen charities.
11
## **UPNEY BAPTIST CHURCH**
## **Notes to the Accounts For the year ended 30 November 2024**
## **6. Unrestricted Funds**
## **6a Current year**
|General
Designated - missionary
Designated - communion
Designated - building||**At 1**
**December**
**2023**
**£**
37,985
33
984
7,128
**46,130**||**Income**
**£**
**Expenditure**
**£**
89,535
(69,572)
-
(3,685)
-
(50)
-
(5,473)
**89,535**
**(78,780)**|**Income**
**£**
**Expenditure**
**£**
89,535
(69,572)
-
(3,685)
-
(50)
-
(5,473)
**89,535**
**(78,780)**|**Transfers**
**£**
(5,485)
5,419
66
-|**At 30**|**At 30**|
|---|---|---|---|---|---|---|---|---|
||||||||**November**||
|||||||||**2024**|
|||||||||**£**|
||||||||||
|||||||||52,463|
|||||||||1,767|
|||||||||1,000|
|||||||||1,655|
||||||||||
|||||||**0**|||
|||||||||**56,885**|
||||||||||
||||||||||
The transfer between the General fund to Designated funds is in line with the decision made by the Church Leadership to allocate a percentage of general giving (during 2023/24: 7% for the Missionary fund, 1% for Communion fund and 6% for the Building fund).
## **6b Prior year**
|General
Designated - missionary
Designated - communion
Designated - building||**At 1**
**December**
**2022**
**£**
32,365
928
1,000
7,906
**42,199**||**Income**
**£**
**Expenditure**
**£**
63,957
(50,961)
-
(8,087)
-
(200)
-
(778)
**63,957**
**(60,026)**|**Income**
**£**
**Expenditure**
**£**
63,957
(50,961)
-
(8,087)
-
(200)
-
(778)
**63,957**
**(60,026)**|**Transfers**
**£**
(7,376)
7,192
184
-|**At 30**|**At 30**|
|---|---|---|---|---|---|---|---|---|
||||||||**November**||
|||||||||**2023**|
|||||||||**£**|
||||||||||
|||||||||37,985|
|||||||||33|
|||||||||984|
|||||||||7,128|
||||||||||
|||||||**0**|||
|||||||||**46,130**|
||||||||||
||||||||||
The transfer between the General fund to Designated funds is in line with the decision made by the Church Leadership to allocate a percentage of general giving (during 2022/23: 7% for the Missionary fund, 1% for Communion fund and 6% for the Building fund).
Descriptions of the designated funds are as follows:
**Communion Fund** - used to assist people in need.
**Missionary Fund -** used to support missionary work.
**Building Fund -** used to fund maintenance and repairs to church and manse.
12