THE CUMBERLAND AND WESTMORLAND PROVINCIAL GRAND LODGE MASONIC BENEVOLENT FUND Annual Report and Accounts Year ended 30 June 2025 Registered Charlty No 213203 THE CtIMBERiA14D AND WESTMORLAND PRWPK GIIANO LOLIGE MASONKBENEV(W4TFUtID Slrtnffitattt InfomFatl¢m TrU5t*eSthwho￿fhe yearwere.. J A Martln Dstewart W H PAorl RW sharpe K % Beaumont B Kirkbride K C Archer Reswd 170rt01￿ 2024 Ap￿inted l? Ocrther2024 Chairman- AwKA"nted 17 OttobeT2024 Apptynted 11 Cktobei 2025 Apwu)ted 11 CklLknr2025 Tf•asw•r I S Hollins￿1b￿oTh O G Walker Res¥ned 11 Cktober 1015 Appointed Ll Ottoter2025 SEuetary M Mashf(er ST N(Yrtr5 Re5tqned 11 Octoter2025 Appointed 11 Ortrtef 2025 Trusteesare tharytd by re501¥tion ar ptov¥*i4lGrand Lod8eGener¥ Meebiw. The Chaiily was established by atrnstdeed dated 215tlune I921￿ ts rwstL¥Ed ￿th the Charity CiNnm¢5sion- No 213203. Thecharities add¥ess is The mason￿ Hall, StreeL wo￿1￿8￿￿. Cur*)Ma.CAL4 2RT. onker$3re HSBC plc, 3 P4ywStreer, Wor*inyorn Cumbi*a.CA14 3AH. Trustees. RewThslbI￿tyf￿rthettc￿￿ftts The trustees are responsitde for pFeparln8 the Tru5tee5'Annual Rerrf and￿￿fir￿￿1aI statemffi15 n Kcwdance Trmth appticable lawand United Kingdom At¢ountir*StandaidslUniied Ger￿raItyACCepted Acco￿¢1￿& Practice). The law applicible tochaftties in En￿and and Wate5 requi￿ t￿trus£et5 to Weparefinar￿lal 5t&tementsforexh riDan£ial yeai whkh give a and l•ir ￿e￿ofthe State of affalls of thethawand of tht intcwning re50wces and pplication of restrur¢e50ftheclwit¥ thèi peri￿J. In ih)sefinanual 5taTrments. thetru5tees are requiredto.. Select ¥uiiablea¢counEln8 pthctes and #p￿vthern conststeDdy. Ob*tve thernethDds antt priftoples tn the tharittes SORP.. Makejud8emenis￿￿ aClL¥Jntin¥e5ttmates th* reasonatrle * prLthnt,' State whether applKaNe aEcrAJnting star￿ardS have been Idlow*d. 5ubipcttoanymateilal thpamire5 dtsckised and explained in the finanoal statements." Prepare the fina￿la1 stat￿nents on the￿¥￿(￿rn ba￿$ ￿lesS It ￿ IiiapproDriateto wes¢thne thai the charity Wjill tootiDue in operatKJn. The Trustees are respons1￿￿￿￿411￿t￿ninS proper¥¢(vttin8 Fecords *ththdi5¢4xewiih ws{￿a￿le ae¢vracy at anytime the financial posirK>tt L*the charity and to enable them to ensu*that tI￿acc(XJntS comply￿th the Chariiies kl 2011, the Charity IA¢¢ountsand RewKtsl Regulat￿￿ 2(￿aThd the pr(w5ionsof thetrLSt devj. They are a150 responsitAe for Sale8uardin8 a55ets of rhè charrty and he￿tfty fea50natrle sieps forthe prevention aNJdete£tion of fwd and other irregularities. ObJeLt$, Organlsallon and A¢tl¥116 Thecharlty is e5tsb1tr5hed for the rdlel of wor ar*d distressed Ixothermasons. oftheir aTh8 thhlren aThl forthe benefitof Charttable Insthudons asdlrerted bythe Ilmvinthl GTrnd Ltytse at General MeetinBs. The¢harlty rnainly cMsistsof3n investment pthllow bythptru5teesin line with the in%*slment powers conralned In the CharitysTrust Deed. ewin Dolphln. Investment Managers, currently manage the in¥estn*nts OR a dwetionary basis behatfof the Cumberland and Wesrmi¥land Provkn(lal Grand Lodge Masonic Benevoknt Fund. Publlr benefft The trustees confirm thatttw h*4e tompbed with the requirements ofSec￿l40[1he Chatilies Act2011 to have due r4ard to the publk benetit 8uldarKe publtshed by thecharitycomrnission fw England and Waks. The Ma59nic Charity Foundaticffl IMCFI m•ke5 8rants to Effethfen. wwJw5 aFKI thildren In dlstfessor need and these are now paid bydirect ba￿ transfer to the recipienl and not thfouKh thts Chath. Currentfy the amount is In e¥£es5 of £Iry).C￿ per annum wlthln ow p￿￿o¢e coverlng mosi of Cumbria. Grants are also made to tcthl charftles, £28,867 dUrlr4th￿￿at and sorne ofthese do attrxt matd*d fundin8fr*)m the MCF which Is alain paid directtoihe re¢ltyenL Our investments have generalty recovered and ar¢ marw8ed ￿ Brewln Dolphin who ha¥ÈdtsuetFonary pO￿Tr$. Inthe year granis dlsburséd to Charitab￿ iftstituth￿ amounted toE2&867 12024: £63.8271. Durlngthe yearthe irwestments made an Unlea1￿ed gain of £6￿j whxth is rdected in the tund value of£W3.219. The attathed Financial Statements showthe currenl slate oFthetharKesofthe 8enevolert Fund andthe TIu5tees considerthese to be satisfactoryand sound. The fina￿la1 Ststemertscomply with ststutc¥y requirements and ￿th requirement5 of the Chartty's g¢J¥eming instrument. The tharlty held unre5tr1cted fundsof É2.155.35112024: Q140.0721 aithe yearetxl and restr1￿￿ Iwds of £42A3612024.' £414361. The charity has considered the re$erve5requ￿ed and holds sufkient reseF¥es tocontinue with futur haiitable actNities. 518ned on behalf of the trustees dgL K R 8eaumont- Chalrnan 25 Apim 2026 THE CUMBERLAND ANOWESThlORtAND PROVINaAL GRAND U)DGE MASONK eep￿01t14T FUIID Irxleper￿eftt examiner's rewt tothe Trusiee5 of thp Cumberknnd and Wesunortawj PrthkKlal Grand L*e Bet)e4•lert Fund I repo.t to the tTU5teo5 on my 0xam1r￿tioTr ol accounts of Cuml>erland and Westmortafid Pr￿ry$al Gr￿ Lodge Berevosent Fund frjr tht year ended 301une 2025, whKh are set out on page$4 to 7. Re5ptsnslbllltlesahd basls ol rewi As the charity tru5tEes of the Trust are responytrje forthe k¥epararion of the acctyJnis inaccordance with the requlrements olthe Chdritie5 Act 20111'the Act'l. I report In rÈspect of my exam¢natKJn of iheTrustee's ac£ountstarried tyjt 5e(tion 145 of the 2011 and in carrying out tTry examination I have folk>wed all the applicab￿ tAredions the (harityCoMmisg(￿ undersectSon 1451Sllbl of thè 2011 Att. Independent èxaminÈr's statement I have completed ffly exarnination. Iconfirm tbatno ￿￿ter*I nvtters ha￿ come to my attert1￿ Inwmecbon with the examinati¢)n giving me cause to tsel￿e thai In any mater￿1 resi*rt'. 11 l accountinR records kept In res￿ olthe Tr￿laS required by5￿1￿)n 130of the *&i." or 121 theatyountsdo nol atcorllwth those recofd5.' or 131 theaicountsdo not ciJrnplywith the apPI￿a01e requirements ctyKern*ng the form arKI content ol acco￿nIS set oul in the Charities (Accounts and Reports) RegtsLaiick)s 2(K)8 other than anyrequiiefflentthat the accounts a'trueand fair whKh is n¢t a rnatter con%dered as part of an Independent examination. I have no concernsand have c(xne aCro￿￿o￿her mattets in torfftcbm Wtth the exafflinatiw tovihichatientbnshould be drawn in this re[X￿ in order to enable a properunderstathding tsf io be reache DavKI ￿l￿n FCA Davd ￿len Qalmar House 8arra5 L4ne Estate Dalston ca￿lS1e CAS 7NY 25 April 2026 47 yo SiJ55 54)55 17 J3M17 46&D X707 an*ctrAr 6J 61 2LW) 18OJÈ 72 (fi￿1 5rn Jy 2.Ill5fy1 Thesef1na￿￿ statem￿ntsha¥￿ bgenprep¥ed 1r*u*npba￿e￿I￿ FR5 102. sts￿dard t+*AeWcoftr*arvJ'.theStstCrnf￿t￿f AetomMerK*edP￿1e apphrable toteMent5fE4u￿r@SrnanWw￿t0fft0￿e￿￿ estlrnare5and assumpdons thataffectthe arnoUr$tsrep￿Oy. TbeseesthYth￿d jw*ew15 alt ènd are bas￿ ￿ e*perw