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2024-12-31-accounts

RQOI•TBRIO CHARITY NUMQIA: 12118211 IIEPORT ￿ THEIRU3TEE8 AND UNAUDITED FW4ANCIAL STATEIIENT8 FOR THE PERIOD 19 DECEMBER 2023 TO 31 DECEMBER 2024 FOOTPRI1￿ BABY LO88 ThIN & TRIPLEr 8uppoKr Ch•rtornd Certlfied Aceountants HHlglde Ablon 8tro•t Chl)plng Norton Oxford8hlrè OX7 OBH

FOOTrRINfi IIABY L088 ThIIN A ThIPLfr 8UPPORT COIITEWY8 OP THE FINANCIAL 8TATUI8MT8 POR 1111 PEIIOD I• DICBMalR 2023 Yo ai oBceMBER 2024 2 to 3 4 to 5 9 k> 11 12

FOOTrRIIIT8 BA8Y L038 TMM & TRIPLET 8UPPORT EFEREIICE AND ADMINI8TRATIVE DETAILS FOR THE PERIOD 19 DECEIABER 2023 TO 31 DECEM8eR 21124 TrU8TEE8 D Datho Chalr ofTfUBt8e•1oppolnt•d 19.12.23> S Darke lappolnted 19.12.231 (re8￿n¢￿ 1.8.241 S Scofl8ld lappolnled 19.12.231 (roglgned 1.8.24) T scofi8ld14ppolnlod 19.12.231 C Balkham lappc4rtod 1.8.24) S Chowdhury 1•p￿ntsd 1.8.241 V L¢On1d￿lI8pPQ1n1ed 1.8.241 J Royc• <gppoinled 1.8.241 PRINCIPAL ADDR&8S 6 Millern Way Mlddlèton C￿b￿Y Oxfc¥d$hlrn OX17 2GA AEGISTEREO ¢HARrrY NUMBER 1206261 Chartfjrad Cwlthod *w￿nt￿nts Hllllld Chlppin9 Norton Oxford8Nro 0￿156m Po0• 1

FOOTPRWT8 BABY L088 TWIN & TRIPLET SUPPORT CIIIEF EXECUTIVE'S REPORT FOR ThE PERIOO 19 DECEMBER 2023 TO 310ECEAI8ER 2V24 FoW#i18 Baby Lo¥8 Twin 8 Tiipl•t Support {'Fool￿lnIl', 'Footprlnts Baby LoB8' or The Chqrw) Tegi•tsrod wilh the Charfty Comm188lon on 19 D•eembor 2023 and launch•d lo th• on 23 J￿uary 2024. ftco L#un¢l#ng in January 2024, Footyints has oxc••dgd ow expe¢tsbons in bts thrsl y•w of grty￿1. Th 8Bion •nd Tr￿on lor eJJr oxi8￿￿ ha8 a￿ayI b••n about b￿klIng 1 communlty for tho•• •xpgrkndng thi$ ￿1qUe loss. and our1oMllie$ can acc8$8 tt al any polnl durfng thelr gr1￿, for all types 01 trlplet los8. befcn. duiing or •fter b# l of cw support is provK4ed by those who hove expwbence of or trlplot 1088. wilh ovor 35 d•dicgt•d vdunleth%, induding nwm¥, dad8 gramy. Thek volceB have boen koy lo shaping and devebplng Footyinl& In our fir¥1 ya8r. have diraclty supportad 250 f￿nI11￿4 throw servlcg8 w¢h as befriendkng, onlln• wpport q￿uP5, online communlty and Wh8tsApp gr￿p#. We have matched 8rwnd 50 indriKlual8 to bthlendws and Ix)d 25 onlino tsupport m••tirys ¥￿1h 130 atlend8¢8 a¢rw a rong6 of dlfferent pernonal oxporiwi¢è8. Ow orline Suppryl cUnM￿lty has provKlod vlal 8UPWt to oround 200 of our I•￿￿￿0￿, ¢reatyry a #ak. Ic))ming arwj inthsrve space to tslk about thelr bables and experfencw. °It's hard to put into words how invaluable just connecling wth other femilies has been. Thisioumey can be so iso18tlng 8ndJonely. Hawng the Facebook oommunity and online meetlngs really help me pmcess my grief and I feel like I can be mysem and share my sometimes crazy feelings out loud. Its truly baen 8 lrfeline for me, so thank youl" Tho F¢dwirrt8 W Lo88 vffjbslte has dmbpod SI￿1r￿￿11Y 18 a C￿rehenSIve area of support, Includkng d•tall8 of how to acce88 QW 8eryk88, read pernonal experfe •r¥l donload ow I￿. Th¢ w•bsil• is alw 8 wt pktloffli for us to 8howca8e and prai$g OUT fvndTal8er8 and events. l ￿Uld lik• to say thank you tyain to everyorro wtho has $uFq>ort8d us this y8ar. It has baen twty arna￿nI wathinq poopb got involved. From the Foolprint¥ •vents - Inillal Launch Campalgn. Md•4 bn March. Bak• for Bables, Fojtprints in the sand. Dragon 8001 RaGiw and London Royal Park8 50k Challenge, Foolprfints BirrfJo; to the personal events- Donut Sa￿. R8vo on the Réc, Dtsa Sh￿. Cako S4100. Gal& Boll. Lino Dane Raffle, Easter Rdne and Cardrfl Hawmarathon. E¥•ry •v¢nt, vthether fundr818lng or not, gfve• parents and a meankn91￿ oppOrtu￿tY to rem8mb•r •rbJ tak 8bwt lh￿'r b8bl•8 have dlad. WO we wKr•dty to h•ve ow pojknn •kng•ld• TAP8 supp￿ . The Rol• of P PP￿ wi Pregnancy Complution8 and LosB. Th18 d￿Ument oxph)re6 Iho ¢rlll¢&l Imw of peer pport orKI vkny it th￿jk1 bo reGognised ai an Inlogrd part of Ihe support 8yEtsm fur famlh$ d•akng with tho W￿xit106 d muhiph Pregnanc￿8. We am Committod to tho rolg ol poor $uppfyl In ￿1)Ing hmiliti4 navigaie the unvw• an¢ c/Jmpiax challonge8 Ot muluplo prean&n¢lèB. partlcularfy when compkatsO￿ or k)ys ocw. Pow oupport offers 8 ¢ruo81 G￿ne￿on lor famllhs. olhiwlw Ih6m lo share th￿1 •xiwt•n¢g9 ￿1h Oth￿ truly under8thnd. This 8harnd ￿Ved oxperionca pfovido6 ¢￿￿rt, prn¢lk•l gUk1￿ce, •nd •motMThl y￿&d￿ that compi•m•nt8 medtral care and CAwIBblliw. Pago 2

FOOTPRINT8 BABY L088 IIWI & TRIPLllT BUPPORT c￿ftF EXECUTNE'8 AEPOAT FOR The PEAK￿ i• DECEMBER 202a TO 91 DICEMBER 2024 •rn p￿d ofth• pth•rnhW •rrfl IhAt wo hav• mul• y•gr ond w• for th• of¢ur nw ¢h•rlty. TNB yw m•thed tho 22nd y•or of B8by Lo•• Week . • w•8k for ￿ ell to con topth•r to and LYW much4ovod ond ffd88ed bableB. W• came Wber lth all ol th• oth•r b•by IOM cwltt•• to r•m•mb•r tsab￿ •nd r•l•• awareno#& of pregnancy baby ￿ •nd PTh￿• WFwlto anyono •ff•ct•d by pr•gnanay loii ond th• do4th ol a baby. We hgd g Ixy w••k hokllThJ 4wr own •v•nts and •nd•d th• w••k th a thJ•l Ilw W•v• of Llghl. 11 vm• a bgouufvl to •nd Baby Loo• A￿￿r￿S Weok. I w•• to r•ad oul 4lmo•t 200 01 our babkn•' narn￿ •9 th• Candl• IPthéMd, for an how. (¥••Iry 4 w8¥0 of IW xross t￿ wrrt. li Was 00 beauthl ts •e• K• mny cand W• h•N b￿n pkn•8•nty W￿1$•d by tt reach ol our support, extendlng to n￿nY 411 o¥w th• wryld. We hav• an tsrdln• group that doe8nl have soffloone from tyJtsld• ofth• UIL Our wlder communlty •nablkng u6 lo jupport morn familte¥ wh) now about Foolprfrt¥. I look ft%w¥d to2025 WKI th• wntinu•Y gv*th of the th#rity. P•q• 3

FOOTPRINTS BA8Y L088 TMN a TRIPLET SUPPORT REPORT OF THE TRUSTEES FOR THE peRIOD 1• DECEMBER 2023 TO 31 DECEMBER 2024 Footyrfnts Baby Lom Trln & Trltht Supwt w•8 r•glol•rYd wlih tho Chothlm Commlsdon an 19 D•c•mb8r 2023 and 1wncJ￿d to the publlc on 23 Jan￿ry 2024. Th• lJuth•• pr•wil their4Th￿•1 r•wt 1￿ finmdgl •l&twn•nts lor the pthlod end•d 31 DO￿)•r 2024. Th6 frnnclal slatwn•nts h8v8 be•n prepor•d In ac(￿dence wNh the Kcounlng polkl&$ 801 out in nots 1 to lh• fin8n(i81 statements 4Th1 c¢mpty with th• th8riVJ govgmlng documenl, th• ChAdtl88 Act 2011 and 'A¢￿￿r￿n0 ènd ReFOrting by Chgrflies.. Statsment of Recommended Prac11￿ appllcablo to eharltlos a￿1￿4 thBlr •D)￿nts In a(tordaftc• wlth ihe FIna￿l01 R6POrtlrfj s￿d01d Ai th• UK and R•put4ic of Irgl•nd {FRS 1021" (¢lleciivo 1 January 2019). OBJECIIVES AND A¢TMnES ObJ•L11v•s and alms Th• ob￿8 of the ch•rfty Is to reknw tho n•edJ offamill•s who ha¥• oxpwiwmd Ih d•ath ofa baty fmm 4 Mfjn. triplel tr ht9hr order muliplo by.. . r¥ovid¥ig supwt to b¥01¥0d parents ar•J knINe8 of aryj hvJhw mu￿pI•l Ihfough beln'ending, ￿lin SUEWt wp$, modia, litoralure and edu¢4110n; . fadlbtstrng networks of p8er.twor b8by1088 comm￿ty 8UPPOrt', - wthrydln9 educfitbn and suppor( $peth¢ to iwins, tslts and h￿hor n￿nIplo0. to health(• wnpby￿S and ¢arerB of b8rnaved p•rnnts and famAie6: - prDrMlin9 bosl practice in high qualty caro ￿ring and after pregnancy for twins. tdpiets and h￿hOr ¢yd8r . ¢clobcKabr& wNh ollw ¢hgrili•s to raisg awaren￿ aNJ ￿￿tion ol hithuality bomvomgnt sukworL In 1his Inauwal yaar, Foolpiints Baby Loss h86 fowd on •stabl¢shlr¥J sustainabb in line with118 c4odN8s and in ts ft#t year ha8 bon•ffted from generous donau0￿ of8eTrlces from vduntoors. ¢owvan￿S aThl venues wi order to 8gtsbllGh chaiity and Its seNlce8. Th• trus monitor the foilowTrJ eatab￿sh the TO&t* and knpxl d118 sorkns In 6ts 2024 N￿1)￿r of dirocty suwwted Cumul•liv• bethondèr malche8 Numb8rd orjina gftyjp me•lino5 47 129 NANc￿L REVEW Flnanclal The attached finwwial 8latements ar• for Ihe ￿¢d 19 De¢ern￿r 2023 to 31 Dec•mber 2024, Th• statem•nts shrMT 8 6Urp1￿ tho per￿d of £37.099 arKI tha charmy ha8 not 868ets of £37,099 at 31 To enswe F(Wints Ixn wsts¥i8bly provide b•r•8v•menl 8UPPOrt s•pA¢08, thg truBt•M ¢oMkl•r that urnestn'ct•d ￿￿16 be m•intsrned at a le￿1 of 8Lx to two1￿ month8 of prol•etgd runntro coth. Th PDJi¢y tsdlrtates the clwity to réact to unfixe6￿n circumitance8 and IluctuaUon8 In donaliDnS dwlng y•ar * mjinlain 6uffirionl fi?￿bIlity to provld• Cilrttnuod ongotng •upport to bore4v&J famllhs M a dgy404ay b86i$. Thg unr6stdGW lunds 0131 D•c•mb•r 2024 rfrpr680nls around nlno mc4rth$ of projethd Page 4

FOOTPRIN78 OABY L088 T￿N a ThlPLeT SUPPORT REPORT OF THE TRV8TEE8 FOR THE PERIOD 10 0ECEMBeR 2023 TO 31 DECEAIBEA 2024 The ch•rity Nrtend8 to estaLql•h an 8laffkng 4truclurn to furth•r thé grthth ol lh• charty and its 8•p4k• ollèrtng durtng 2025, dynd•ni on av8ll•ble fvndhw WKI Ng 8uBIAknBb￿ s•r¥ke ctskn9 fouJ8. Footylnts ti)n11r￿• lo d•v•knp b framowth of Ihr¥lure 8rKI oeeklng out DppNlunllkw to colloborato wlth relovani car• prof8￿￿)nO18, related chaiiii88 and olganl8A￿Qn• to 8u¥t4lngt4y old It• ch8rftsbl• Volurt••r r•mi51r•nt and training, tog•trr w6th fvndr818hMI eff¢￿ and onfAn￿m0￿ of lh• chwwo wolbk rnmaln •1 th• f(Yèlront of FcKdwinl8 n$ and kntw•l to athloviTha the alms oftho STRUCTURE. GOVERNANCE AND MANAGEAIENT Fwtyints Baby & TriF4•t Support IF a Charitgblè Incowatod Organlsation rogLgtgrod In Er￿land ond Wales wilh th• Ch8ri Comml881M on 19 D•c•ntsr 2023 {R•gistrobon I2[￿261). 119 NYmlrvJ doawnMI is its Con$￿tiOn. The 1$ admlniliered by th• Board of Trust￿$ kn a¢￿1￿C@wI1h bts ¢onstlbAon. Foolprints has six trust•os, who meét on a quartety b9$18 lo dlsa$88 th• pgrfofm8nc•. trrtMJg•UrYJ, fulure mnts and 8ry othor Iwsinoss olthe carity to forward the obJeds ofthe ¢hartty. D•tails ol thè tsusIe•￿ lthllnp in th• prnl arn gl¥en on pAge 1. STATEMENT OF TRUSTEES. RE8PONSIBIUTIES The trusteès respDnsiblg for preparlng th? knnual R•wt and tho fknwlal ltatwnonts In Kc(Ydance vhth appltcable law and Unled Kngdorn Acco￿tIng Standards (United lQnfvn Generally Actept•d The Imv applicable to thgribes In England and Wales, th8 charl￿8S Acl 2011, Charity IAceounl• and R8wts} Regulations 2008 and tho provi8ions of th• IN81 deed requires thg to prepa￿ lknfjncLg1 SIm￿ for exh fin•ncW yew givts 4 b)Je f4ir vmv of stat• of affakns of the charfty and of tre inrxjming resour￿3 and applThlion of r080urc88. iTrJudirwJ the income and 0xponth￿￿ oflhè Gkwity for trAt pèrJ. In wepartNJ those fin8ncW 8tatem8r)ts. th• InBts95 are requtrnd lo . sd•ct su•bl• •ctounthg ￿1ra•S WKI appty th•m consL•tsnty: . ob8erye the methodo and In the Charity SORP. . make jUd￿ents and w¥rnat85 thot art reasonth and pnthnl; . PfeFwe the fmonwl st•tements on the golry b4sb unloss k Is tn•pFxoprktg to preBum• 1ht Th• trustees ore reGpon8iblo for kwlng prop8r acL7Jwting records whl¢h dl8close reaoonablo accuracy at any time the finan￿•¥ POS￿ of the charlty ond to enots￿ to ensure that th• financlal 8tat¢m•nls {￿pty wrth th• Chaiibe8 Act 2011, th• Ch8rity (Accounts and Reports> RegulatlonB 2008 and th& provkion8 ol the t￿￿t deed. Tlw we also for 8afegu8rdlng the 888ets of the chty and IDr tahjng reasonab￿ 6t¢ps frK the pr￿6ntil￿ det8cllon offrAud and oiher Irregularflte8. .. And 8n•d on118 baw by. Pago 6

INOÉPENDÉNT EXAMINER'S RÉPORY TO THE TRU8TEE8 OP FOOTPRINT8 BA8Y L088 ThYIN & TRIPLeT 8UPPORf Ind•pwMhrt •x•mln•h r•pNtttb th• lrn•tM• of Fortnt• B•by Lo•• Twln & Trtpl•t 8upport I r•port to th• th•thrf trwt•OJ )n my •xamlnatk>n of th• act￿nI8 of Footwlnt• Baty Loo• Twln & Trl SW (the TnJ611 forthe 19 D•c•hknr 2023 to 31 Oecomber 2024. lh• ehilty tru8te•• ol th• TN8t you ar• th• pT•porallon ol the In arxord•n thè rnqulrnmth)ts ofth• Ch•r611ob 2011 (Ih• Arf). I rrf4t In rwp¢rt of my •xomln&lkn of th• Truth ac1x￿nts earrfad out und•r S•cllon 14S of th• Act In rjrt nw èxamknalbn I h•w followod •il •ppilCg￿O Dlre¢llonB by th• Charty Commi08ron und•r S•ccffl I￿5)(b} of lh• Acl. I f>)mpleted my examinati￿. l ¢onfrni Ihal no mlterfal mettws have to my attsnlhjn Comection tho •x•minatTh m• ￿￿9•10 that In wy m•twkl r•op• •(>>)untk¥ records not ko0 In r•8P8Ct d the T￿t a8 rewlred by S•cllDn 130 ollh• Ad: or ac£rwts do Th)t ac￿r￿ wth thos• r￿¥.. or 0ccTh￿ts do not L7)M￿Y 4%ith th• eppllcable requIr•M￿ts the fm and ¢￿tInt aw)urts s•t oul in thg Charities {Accwts and Rewts) RegUla1kn￿ 20CO otlw than any rnqutr•m•nl th•t the accounts gr4• 4 and fatr ￿•W whKh IB a matter con¥id•r•d •0 of an ind•pgnd•nt •xrnlMti¢)n. I hm and ha￿ come au066 no oth•r mait•rn In ￿nn9¢￿0￿ with th$ •xamFnatlon to vthith altsnliDn shwld bè dr•wn in thij report in ordw to on•bh a prop•r und•r6tandlng of tho acc¢Jurts to b• PhVAp Burton FCA Imliiute oIC￿rt¥￿I ArAW￿nts In £￿￿end and Wo198 ChfvHpiryJ N(x OX7 SBH 2pz/ Page 6

FOOTPRINT8 BABY LO88 MM a TRIPL8T 8UPPORT 8TATehllNT OF FINANCIAL ACTMTIR8 FOR THE PERIOD 19 DÉOEM8ÉA aoij TO JI DEeEII•ER 2V14 INCOME AND EIIDOIWAENI¥ FROM 34.737 10,1J7 ln¥o8trnW￿ kn¢4)me Ra*lrvJ fvr•JB Er wco 37,lJ89 The nolgj part ol1h0￿ financlal ot418menl&

POOTPRIT8 BABY L088 TW114 & YV41PLAT 8UPPORT ALANC8 8HEET 31 DECiIIBER 20 715 38A89 CREDITORS Amounts laUkwJ du•lhwi on• (1370) 37.099 37.099 Unrn51rthd fvndl Thtr financwl slatemènts approved by ts Board of Tru8t•eB and aLrth(NiswJ for IBsu• on 2&..fv1.A.¥ knf...... aThl &gn8d on lis behalf by: O iiatho- Tru6tse Th• nolfrl llxm p&rt ul Iliai• flnand•l •thtsment8 Pag9 8

FOOTPRINT8 8A8Y L088 & TRIp￿T 8UPPORT NOTE8 TO THE FINANCIAL BTATÉMElff8 FIlR THE PERKID I• DECEMKR 2011 TO JI D£C£MBER 2024 ACCOUNTING POUC The fNnclg1 sL4tsrngnts ot the chgrfty, Whlch li o publk bonefft •nllty undw FRS 102, Imve b8•n epjred kn Kciwdence wlth thè Chwlt108 SORP (FR8 1021 'krwntkng ind R•pNMng ty Charffje8: Stat¢m•nl ol Recommond¢d Practlco 8pp11cgb￿ to ¢h•rltlb8 pr•p8rlng Iholr •co)unts In 4¢cordne6 tho FlrTrarthl Reporting Stsnd8rd 8ppllcgbl• In th• UK and Republ1¢ ol lrnLgnd {FRS 1021 (6fftttivo 1 Jonuiry 20191,. Flnanclal Rep)rtlng Stand8rd 102 Tr Flnanclal R•pTr11no Standard gptyicath In Ihg UK •nd Republlc of lrnlonrf ond ts Ch•rlil•o Act 2011. Th• fThn¢lal •l•t•m All kncome i¥ rer4nis•d In th• Staln•ni ol Fln•nd81 Actlvlkn'e8 once lh• ¢harlty h•8 endllomnt to th• funds. 11 bB prob8blo thit tho Incomè WIU h rgc•lved and the amount can be rnoa8ured Tellabyy. Ll•bi¥ts ar• r•cognlBed os oxp•ndltuM 48 8OWt a8 there 18 a legol or (¥Jn01nKtlv• oblUon rAi1rffi1￿ the d￿rity to th•1 •￿er￿ltur0. tt If prob8U• Iht • Ir•n8fer of •¢onomlG bonofts be rnquwed in s￿￿•M•nI the aMo￿t of the oblwon b• mgJ8ur•d r•li8bty. ExpeThlllure •¢COun￿ on an •wuals basL8 #nd has be￿ dassffl•d under h•adkys thgt aggt8gat• 41 ¢ct rolaled ory. Where co¥ls cannot be dSr•cty 81b1￿ to pHrtbxl8r h•odings tw h been •knxtMI to a ba818 cts)$18terrt th the we ol rgsourc48. F￿d W￿l￿tIng Unr•slJkl•d •Jnds w bè u￿d tn aCCo￿an￿ vAlh th• ¢horlt8bl• oclfv•¥ at th• diBudion of RebtriC￿ furth can ¢)nty ba used tr partt(wlw r•strlcted PLMpoges wlthln the obieLti of tha tharity. Restrk*￿ 6P￿d by the donDr funds arn ral8•d for partkyjlar rgthlod F￿ther •Y¥lon0b￿ of Ihe nakne and pwpx• ol Mch fund l• i)￿dad in tho n¢)ts8 to thg finartlal OThEft TRADIMG ACTMTIE8 9.349 PAg• 9 conlnuod...

FoOTrR￿Ts BABY LO88 TMN & TRIPLET 8UPPORT NOTE8 TO THE FINANCIAL 8TATEMENTB . conllnu•d FOR THE PERIOD 19 DECEMBER 2023 TO 81 DECEMBER 2024 INVE8Tr1&4T W4COIIE 159 TRUSTEES. REMUNEAAYION AND 88N8PIT8 Ther• lJust••8' r•mun•r4llon Of othw b8nofi18 for ￿ perlod ¢nded 31 D•camb8f 2024. Thwe no Irust•e8' •JI￿r￿9 ￿ld for th• p•rlod ermlod 31 Ow*mb•r 2024. DeBTOA8: AAIOUNTS FALUNG DUE IwfHIN ONE YEAR 715 CREDITORS: AIIOUNT8 FALLING OUEWITHIN ¢XE YEAR 1.370 IAOVEMENT IN FUNDS 31.1224 11nnAtr￿ fund• 37,1)99 37.Ok9 TOTAL FUNDS Nqtffrnrn￿ In funts. in￿d¥d in the gl>o¥e ar• a8 folbws: r•8ourcas oxpond•d funds 45.053 {7.9S4) 37.099 TOTAL FI￿Ds Pao0 10

POOTPfllNTJ QABY LOSS TWIN & Tf¢ivLIIT SUPPORT NOTI8 TO ThE PINANQIAL •tATIMQNT8. oofitlmi•d POR 1111 Pl￿) I) DIOIMBIA IOIJ TO #l DoaaiittiR 2024 REiATID PARTY DIBeL08URIB Th•T• vmrè no r•l&bd paty trAnMdonb forth• portod •YKlid 81 D•0•M￿ 2024. Pag• 11

FOOYPRINT8 BABY L088 TWIN a TRIPLET 8UPPORT DETAILED 8TATEMeNT OF PINAMCIAL ACTNmE8 FOR THE PEIIIOD I• DECEIAbER 2023 TO 31 DECEMBER 2024 INCOME AND ENDOWIIENT8 32.737 34,T37 ev•nts M•rdnd• 8•1 9,349 10,157 159 45.053 650 E￿nt 216 720 Thti p•9• do￿ nol fom p￿ ol Iho *&ulory lknanclol et4l•maniB Page 12