*t*t*** HAWICK BAPTIST CHURCH SCIO ANNUAL REPORT 2024-2025 Annual General Meetin th 2025 12.30 REPORT OF THE TRUSTEES STATEMENT OF RECEIPTS AND PAYMENTS STATEMENT OF BALANCES INDEPENDENT EXAMINER'S REPORT Year Endin 31" March 2025 Vision Statement: "Making and maturing followers of Jesus through the gospel of Jesus to the glory of Jesus" Text 2025: ' Samuel said to all the people, Do you see the one the LORD has chosen? There is no one like him among the entire population. "Long live the King., I Samuel 10:24 {CSB) And all the people shouted,
Hawick Baptist Church SCIO 15 Re8iStered in Scotland. Charity number: SC053037
HAWICK BAPTIST CHURCH SCIO ANNUAL REPORT CONTENTS rtlt TRUSTEES, REPORT STATEMENT OF RECEIPTS AND PAYMENTS tttt STATEMENT OF BALANCES 10 NOTES TO THE ACCOUNTS 11 tttt INDEPENDENT EXAMINER'S REPORT 12
Hawick Baptist Church SCIO is Registered in Scotland, Charity number. SC053037
Hawick Baptist Church SCIO Annual Report 2024-20Z5 REPORT OF THE TRUSTEES l. Reference and admini ration det ils Charlty Name: Hawick Baptist Church SCIO Scottish Reglrted Chartty Number: SC053037 Charitys principal addTe55: Hawick Baptist Church, The charity was fomied as a UVA but on 1° April 2024 transferred all a55ets to a new charty Hawlck Baptist Church SCIO. A new constitution was approved and the trustees seNing for this period are: None of the Trustees has received any remuneration or expenses apart from Rev. Martin Smith who was paid stipend and allowances In accordance with Baptist Union of Scotland guidelines. Bankers: Bank of Scotland, 7, Hlgh Street, Hawick TD9 9DA 2. Strurtu overnance and mana ement Constitution: The constltution for the charity was adopted from l April 2024 Trustees, recruitment and a ointment: Under the constitution, the Trustees will be recruited from the membership of Hawick Baptist Church and will constitute the leadershlp of the church. They will be called to serve for three years, nominated and seconded and approved at the Annual General fvleetin8. 3. Ob-ertives and activities The principle object of the Church Is the advancement of the Christian faith and this underpins all the activities of the church. Hawick Baptist Church SCIO is a Charity registered in Scotland. number SC053037
Hawick Baptist Church SCIO Annual Report 2024-2025 In the past Day Sunday ear we have met as follows: Actlvity Morning worship 10.30am Christianity or Hope Explored pm Frequency Weekly 7 or 3 week sessions during the year Every 3 months Weekly, during term time Weekly but now meeting on Sunday evenin monthly weekly Weekly Weekl monthl Month Quarterly Business meeting Mainly Play (Parent & toddlers) Women in the Word 2pm Tuesday Wednesday Wiggly Worms Cafe 10-11am Pra er meeting 4pm Drop-ln 10.30am House Groups 717.30pm Deacons/Trustees meetin Men's breakfast 9am Thursdav Frlda Saturda 4. Achievements and erforman Ministry Team: During the year. our pasto who joined us in September 2017, has led the church fafthfully proclaimin8 the gospel and maintaining pastoral care of those in need. Our Chlldren & Women's worker was employed part-time and resigned in March 2025 to take on full-time teachin8. She contlnued to build up the HBC Kids team and 'Mainly Plav a group for parents and toddlers, which meets weekly during term time and for which there is now a waiting list. In addition she has continued work amongst the ladies in the church with 'Women in the Word, meeting weekly, again during term time and holding Ladies, Afternoon Teas approximately once a term to which female friends who are not normally church-goers, can be invited. We have established a strong connectlon wSth Wlggly Wonns, a local nursery group and they use the church building for big occasion5 and continue with a monthly senlors cafe in the church building as well. The furbIShed church bulldlng forms a versatlle space and has been well- used by groups both within and outwith the church. We thank Wfor all procedures put in place and are grateful that she intends to carry on mafty duties voluntsrity. While oined the admin team in Jan 2024 unfortunately she had to resign her duties in January 2025 due to illiiess. We thank her for her support to the ministry team durlng that perlod. ame to us as a pastor in tralnlng for a 3 year practical, hands on experience of pastoring a in the Scottish Border& He has brought valuable skills to the church and will be used of the Lord spe urc in many ways. Change of legal status: This is the first annual report for the church as a SCIO. This was formed on l Aprll 2024 and all assets of the previous Voluntsry A550ciation were transferred to the SCIO as at that date. Hawick Baptist Church SCIO is a Charity registered in Scotland, number SC053037
Hawick Baptist Church SCIO Annual Report 2024-2025 Change of premises: In November 2024 the church took the decision to accept the offerfrom Hawick Congregational Church to gift their premises in Bourtree Place to the church and for us to refurbish the premises so that we may move into the building in 2026. We are grateful to the members of the congregational church for their generosity. The premises will accommodate our increasing congregation and leave room for further growth. It also has the benefit of an integral hall which can be used by HBC kids etc. rather than having to move across the road to the Well. A team has been formed to oversee the Tefurbishment and a budget has been set of up to £300,000 as there are significant improvements that need to be made afthough the basic structure is sound. Financial Review As at our financial year end, the monetary assets of Hawick Baptist Church SCIO stood at: £85,000 in a 180 day Bank of England Base Rate Tracker account with United Trust Bank £75,830 in a 31 day notice account with Cambridge and Counties Bank £65.009.02 in a 95 day notice account with Redwood Bank £55,000 in 3 12 month term deposit with Virgin Money £9,148.07 in accounts with Bank of Scotland £47.37 cash in hand A total of £290,034.46 Reserves: The reserves poliry of the Church is that we hold sufficient funds to cover 6 months running costs, including maintenance of the church buildings and funds towards the salaries of our ministry team. At the end of the financial year the reserves stood at £282,943.08. These reserves were specifically allocated for the following purposes: £3,731.87 Fabric reserve, which is to cover expenditure on the maintenance of the property of the Church, including the Church building and The Well (church hall) £13.092.10 Stipend Contingency Fund, to cover any shortfall in payment of Stipend. £30,889.62 in the Ministry Fund, to support future Ministry in the church, including our contribution to Pastors-in-training £18,062.18 in the Pastor-in-Training Fund. gifted to us by fellow Pillar Network churches to support the training of new Pastors. £3.298.60 in the Evangelism, Outreach and Discipleship Fund which goes towards our vision of making and maturing followers of Jesus £213,440.73 in our Capital Resenies Fund which comprises sale proceeds from 71, High Street (the former café building), 2 substantial legacies which we received during the year, the remnant of the Church Administrator Fund and a £10,000 gift. Most of this fund is expected to be used in the refurbishment of the soon to be acquired former Congregational Church Building. Our income derives chiefly from freewill offerings of the Church members and adherents, some of which are given under the Gift-Aid scheme, so that income tax can be reclaimed on those gifts. This year we have received two generous legacies from former members of the church, which sums together with approximately £IOO,000 from the sale of our fornier cafe building are forming the basis of our funds to renovate the Hawick Congregational Community Church building. We have also received donation5 from fellow Pillar Network churches to help fund our Pastor-in-training during his 2-3 years with us. We have Hawick Baptist Church SCIO is a Charity registered in kotland, number SC053037
Hawick Baptist Church SCIO Annual Report 2024-2025 experienced more people attendin& some of whom are also able to give under the Gift-Aid Scheme, with the result that we have been able to reclaim more income tsx from HMRC We have also been able to benefit from the Government's GASDS top-up scheme. Donated facilities and ices: We depend on and benefit from the voluntary support of members and others in undertaking all sorts of task% within the Fellowship, so many things cannot be included In facts and figures because they are not reckoned In monetary terms. We thank everyone who does anything in the service of our Lord within this Fellowship. 5. Other inforniation: Our aims for the incoming year are: To find new ways to interact with the community around us. To see more new people coming along to Church activities and finding faith in the Lord Jesus Christ. To continue the appointments of our Pastor and Pastor in Training and to have flexibility to employ the necessary personnel to carry on the work already started and to expand into other areas of service. To work towards the church vision of making and maturing follower5 Of Jesus. To support our Pastor as he tskes a 3 month sabbatical and to support our Pastor in Training as he steps up to lead the church durin8 this time. To ach out into the local schools and assist in runnin8 Scripture Union 8roups in those schools. It will be seen from this report, that the Church is in good heart, but realises the need to grow numerically, splritually and in maturity, to seek new ways to rnake Jesus known, and to improve the pastoral care of our community contacts. 6. Declaratlon The Trustees declare that they have approved the Tru5teeg Report above. Signed on behalf of the Charivs Trustees, Treasurer, Hawick Baptist Church SCIO Date: Hawick Baptist Church SCIO is a Charity regtered in Scotland, number SC053037
HAWICK BAPTIST CHURCH SCIO ANNUAL REPORT 2024-2025 STATEMENT OF RECEIPTS AND PAYMENTS 31st March 2025 RECEIPTS 2023-24 2024-25 FUNDS R•rfrfcted Vnrestrirt•d Funds Offerlw: £8.035.88 General Gi¥lng INot GASDSI £12.004.55 GfftAld Small Donations SchemelGASDSI £3,410.CK) Gift Aid - bv Sunday offerings £36,4.82 Grft Aid - by Stsnding order offerin8 £1.160.fk) Grtt Spec Donations £12.486.68 HMRC Repayments É7,177.93 £12,982.14 £7,768.50 £34,071.53 £310.CM) £15.20D.OD £77.50 £14.437.73 £73,587.93 £91.637.83 £91,947,83 £30. Hall £450.00 £140.536.40 71, Hlgh Street Rent/Sale Fundrajslng: ChrtMaS Mk sale ol chairs £114.75 Market Proceed5 £813,70 Mainty Play family fees Charlotte Baptlst Chapel IPastor.In.tr8lnlngl Redeemer Blble Church (POr--trIIThlETr&1 £50.rJ) Sale of benches £242.60 £1,499.30 £25.405.89 £2,414.74 £141,544,85 £30.012.53 £30,012.53 Donatlon% to the Churth (Unrestricted) £5.tL) Donatlon to Drop In £I,OCK).CQ Legacies £IO,OCrf).C#) General donations £2CK).CQ Donation- Interior Signage £io.IXI To Evangelism & Outreach Fund £187.40 Events £90,942.12 £350.00 £50.00 £77.65 £33.02 £273.59 £755.Cxl Donatlon5. Tea Bar FunFabrIC Fund Riverstone Church IPINar Network for caterin8) Cross Pointe Church IPastors' confenCe) Personal donations from USA £665.48 £75.71 £534.82 £12,157.40 £92,336.91 £92,336SI l)onatlon5: through Chufth £330.00 BMS Birthday Scheme £III.CQ BMS HaNest & HH Cambodla £90.¢)O AnnNèrsary T/0 tTurkeylSyriall6onarl Greai CoMmi10n Baoist Chulth £180.00 £175.00 £320. £531.00 £675.LN) £227.821.18 To Carry forvrard: £1,727.98 £213,987.27 £215.715.25 Page 5 Hawick BapIistchrth 5CtO reglstered In Scotland with the ntsmberSC053037
HAWICK BAPTIST CHURCH SCIO ANNUAL REPORT 2024-2025 STATEMENT OF RECEIPTS AND PAYMENTS 31st March 2025 RECEIPTS 2022-23 2023-24 FUNDS Restrirted Unrestrlcted Funds £227.821.18 Carried fonvard £1,727.98 £213,987.27 £215,715.25 Other Income". £5.50 Refvnd on fnsit Imalnly Plavl £21.10 Chubb F&S £49.80 BG energy refund £39.65 Scottish Water £315.79 Returned DD British Gas £543.30 Marsh Commercial- Buildings Insurance 71HS £554.00 For"Bookofthe term" £292.95 £135.00 £75.00 Books for Women in the Word Bank of Scotland Icomplalnt ¢ompensationl £150.00 £1.604.14 £577,95 £577.95 £81.13 Vlrgln Money interest: £716.23 Cambrld8e and Countles Interest: £317.88 United Trust Bank Interest.. £2,754.45 £4,421.16 £11.58 £269.57 HBC BB Inst Online Interest: no. I £72.76 HBC BB Inst Onllne Interest: no. 2 HBC SCIO BBICornm Savings I H8C SCIO Comrnercial Savings 2 £11.39 £63.58 £135.46 £1,457.57 £7,397.62 £7,397.62 £230,882.89 £109,729.76 £121,153.13 Total Income £1.727.98 £2,864.29 41,136.31 £221,962.84 £223,690.82 £111,270.20 £114,134.49 £110,692.64 £109,556.33 Total ExpendIre Yearly Surplus/Defldt ****tt** Page 6 Hawick Baptist Church SCIO Is registered in Scotland with the numberSC053037
HAWICK BAPTIST CHURCH ANNUAL REPORT 2024-2025 STATEMENT OF RECEIPTS AND PAYMENTS 31st March 2025 PAYMENTS 2023-2024 2024-2025 FUNDS Rertrirted Unrestricted Funds Total Minlstry costs: Pastor: Stipend and Pension Mileage/trains/flights Bookslstationery etc. Tel/Broadband, inc mobile Council Tax £33,042.74 £783.23 £36,120.85 £479.20 £168.86 £231.07 £323.88 £323.88 £825.96 £1,916.25 £0.20 Sundries H05pitslity Conference tickets Sabbatical Iflights etc.I Chlldren's,Women'5 Worker Sal & Pens5on Church AdmiNlstr*ir Salary Pastor-in-TTrinin8 Salary £154.05 £93.12 222.01 £765.12 £16,077.39 £1,270.54 £15,236.21 £3,856.12 £10,802.96 £2,557.90 £94.50 Tuition fees (Ed Th Seml Conference tickets Biblical Counselling Course fees IMPS & DBI 8iblical Counselllng Course boctks IMPS & DBI PAYEINI Payroll processing £950.00 £80.13 £9,911.58 £400.80 £11,186.90 £798.00 £62,805.18 £1,344.59 £85.646.26 £747.00 £85,868.27 £747.00 Pulplt Supply: Churth Expenses: Communion Wine ChurchSuf(e Cleaner £73.25 £40.83 £636.00 Youth nights Church supplies "Contagious" fees Copier paperllnk Caterin& Inc Men's Breakfasts, Quiz nights etc Drop In expensesnea bar Licences- CCLI £35.50 £140.49 £134.82 £ioo.00 £150.00 £41.70 £180.51 £299.85 £722.07 £138.52 £110.14 £152.00 £333.00 £920.81 Parent &Toddler expenses Subs + Christmas Mkt fee WebSlte/stre3minz0oM etc Sundries & Expenses payments Diakoneo Legal expenses Chvbb Fire £734,30 £20.12 £22.00 £22.1)0 £426.83 £534.86 £54.67 £5.331.00 £229.08 £7,856.95 £2,993.10 £3.727.40 £72,006.72 To Carry forward £956.31 £89,386.36 E90,342.67 Page 7 Hawi¢k Bawt5t Churth SC50 is registered in kotland. number SC053037
HAWICK BAPTIST CHURCH ANNUAL REPORT 2024-2025 STATEMENT OF RECEIPTS AND PAYMENTS 31st March 2025 PAYMENTS 2023-2024 2024-2025 Restricted Unrestricted Funds Total £T2,006.72 Carried fonvard £956,31 £89,386.36 £90.342.67 Pastors. Conference expenses: Speaker Ioofthose books £ioo.00 £125.50 Catering and other expenses £439.98 £665.48 Repairs and Ren8wal&' Roofing Fire extingulshers & panel battery New microphones £2,595.00 £310.53 £85.98 £540.OD Live feed to crèche room expenses New vacuurn clean¢r (Welll Printer £1.604.28 £199.00 £1,169.41 £28.99 £76,76 Equipment D Charters elertdcal Chair trolley5 Zest Bllnds Frldge, Church Kltchen Photocopier Dlshwasherlor church kltchen Adams Napier Partnership- Church Survey Ml¢rowave for The Well £100.58 £612.00 £558.CKI £85.LIJ £215.tK) £1,476.66 £2,520.CK) £50.) £425.tKI Lockfft- repalr of Well d¢)ors Roxbuohe Heating New mugs £280.50 £50.75 £6,510.25 £6,533.19 £6,533.19 UtINtles £1.439.75 f 148.32 Church electriclty Church rneter removal £295.31 £1,771.99 £2.489.52 Hall electricity Gas £1,160.72 £635.78 £5,849.58 £2,091.81 £663.23 £2.091.81 £663.23 £709.95 TelephonelBroadband: Ishdl. Styl £3.392.31 Insurance: £7.00 Petty Cash Expenses: £27.00 Bank of Scotland tharges (forel8n payment) £11,023.00 Ener8y Savlng Trnsk loan repaymerts £2,302.76 £35.85 £2.302.76 £35.85 £15,159.26 £99,525.81 To Carry forward £1,621.79 £101.013.20 £102,634.99 Page 8 202>2024 2024-2025 Restricted Totsl Hawtck Bapti5tChurth sao 15 ered in Scotland. numberSC053037
HAWICK BAPTIST CHURCH ANNUAL REPORT 2024-2025 STATEMENT OF RECEIPTS AND PAYMENTS 31st March 2025 PAYMENTS £99,525.81 Carried forward £1,621.79 £101,013.20 £102,634.99 Printing & SLitionery: Donatton Envelopes Book of the term £144.75 £530.64 £483.50 £99.53 Resources/books Fridge magnetslchurch text The Hawlck Paper notices and ads Poster5ffiyers Chri5tma5 and Easter glveaways CEIHE expenses Books Iwomen in the Word) Bibles £48.40 £63.19 £67.14 £259.20 £259.20 £42.79 £89.87 £234.76 £429.28 £31.45 £152.06 £136.35 £284,51 £99.44 Good Book Co £239.36 Ioofthose £491.36 £70.00 Advent Books £1,612.66 £2,644.12 £2.644.12 From the Church: £4,179.58 £1,496.13 Monthty Donation IMar-Janl- Scottish Baptist Fund Monthly donatlon- BMS World Mission BMS HaNest £4,403.71 £1,352.85 £130.81 Great Commlsslon 8Jble Chur¢h, Phnom Penh IXS Luojagel Annual donationlFebl- Scottish Baptlst College ope Church. Avlemore £258.50 £308.82 £462.22 £840.00 £840.00 £6,824.53 £7.448.09 £7.448.09 Donatlons Throu8h the Church.. 81rthday kheme: Great Commlsslon Bible Church, Phnom Penh AnnrversaryTIO Moorlands Church The Bonar Trust (Anne(Sary Offerin81 Helping Hand Cambodla £360. £320.00 £72.29 £562.50 £1,590.00 £128.50 £62.50 £1.718.50 £134.79 £1.242.50 Gifts: GiftslFlower5 £48.26 £30.00 £48.26 £30.00 £30.00 £109,729.76 £2,864.29 £111.270.20 £113.999.70
Page 9 H3wick BaptirtChur¢h SCIO is re8iStered in S¢otknd. numberSC053037
HAWICK BAPTlff CHURCH SCIO ANNUAL REPORT 2024-2025 STATEMENT OF BALANCES 31rt March 2025 2023-2024 20242025 Current Assets £3.22 Petty Cash in hand £749.12 Bank Current Account WBC){less theques) £83.075.55 Cambridge & Counties Bank £5.027.95 BB Inrt Online a/c no.VCommeraal Savings alc no.1 £6.582.29 BB Inst Online a/c no.2ICommer(ial Savlngs a/c no. 2 £40. Mainly Play float £85.000.C() United Tnjrt Bank £7.37 £64.59 £75.830.00 £6.979.42 £2.104.06 £40.00 £85.OC().CQ Virgin Money 12 month temi Deposlt a¢count Redwood Bank £55.000.00 £65.CQ9.02 £180.478.13 Tot l Assets £290.034.46 Funds Unrestrf Fund .£6.492.58 General Fund Iunrertrirted) as at lrt April £132.766.94 Surplus/Deflat for the Year 128,773.43 Transfers (to)/from Degnated Funds during the year (see Eelow) -£2.499.07 General Fund {Unrertrlrted) as at 31rt Marth £T3.989.89 Stipend Contin8ency Fund (DeSIated) £3.477.07 Fabric Fund {Desi8nated) £35.000.(X) Mlnlstry Fund (Designated) Pastor-in-training Fund (Desl8nated) £4,774.56 Evangelism. Outreach & Dlsdpleshlp Fund £138.16 Drop In Fund £653.50 Tea Bar Fund £3.222.98 Parent & Toddler Fund £106.705.40 71HS Fund .£2.499.07 10.692.64 -Q03.462.96 £4.730.61 a3.092.10 £3,731.87 £30.889.62 8.062.18 £3.298.60 £42.56 £579.92 £2.016.27 £13,729.33 Ch Admin Fund Capital Reserves Fund (71HS fund+Ch Admln Fund+ legacies) Total Unrestrl(fed and Designated Funds Fun £213.440.73 £179.191.82 £289.884.46 £222.01 Borders Mlsslonal Retreat Fund (as at 1st Aprll) SurpluslDeflat for the year Borders Mi55ional Retreat Fund (as at 31st Marth) BMS Birthday Stheme £330.00 Surplusmeficit for the year BMS Birthday Stheme (as at 31rt Marth) £1.655.17 Parent and Toddler Group (as at 1st April) -£920.81 SurplusTrfrat for the year Parent and Toddter Group (a5 at 31rt Marth) Total Rertricted Funds £222.01 -£222.01 £222.01 £330.00 4180.CQ £330.00 £150.00 £734.30 -£734.30 £734.30 £1,28&31 £150.00 £12.9CK).12 Total Restrirted Funds at 1st April £1.286.31 Total Rertritted Funds at 31st Marth -al.613.81 Surplus/(Defiat) on Restricted Funds for the year .286.37 £150.CQ -a.136.31 £180,478.13 £59.325.00 Total Funds in accounts at 31st Mard) Total Fund$/Balan$ in accounts at Irt April Total FundS/Ba[anS in accounts at 31st Marth Total Defiatlsurplus for the year P88e 10 £290.034.46 £T80.478.13 80.478.13 £290.034.46 £121.153.13 £109.556.33 Hawick Baptist Church SCIO is regirtered in Scotland, number SC053037
HAWICK BAPTlff CHURCH SCIO ANNUAL REPORT 2024-2025 ATEMENT OF BALANCES 31rt March 2025 Church bullding- value unknown Church Hall ~ Glfted in Trust Signed on behalf of the Trustees by: Oate.. Io i LOL4 e Trustees Notes to the Accounts: Page 11 Hawick Baptlrt Churth SCIO is registered in Scotland. number SC053037
Independent examinerfs re Hawick Baptist Church SCIO rt on the accounts Report to the Reglstered charlty , numbèr Lsc003568 On the accounts of the Period start Idate charlty for the peri¢)d . Mcxith Period arKI date 01 April 2024 to 31 2025 Sot out on pages Respectlve i The th8ritys trustee6 are responslblé for th8 pr8p*ton of the accounts in accordartC6 responslbilrties of . ', wlth th6 tsrn of the Charilies and Trusts8 Investment (ScotFand) 2005 Act and the trustees and amIner ' Charftl6s Accounts (Scotland) Regulations 2006. The charity Injstees considerthat Ihe audit requirement of Regulation 10{1) (d) of the Acc¢)unts Regulations does not apply. tt 18 my responsibility to ex8mine the acrounts as required under section 44(1) (c) of th8 Act and to state whether partKwl8r matt8r8 hava come to my attenllon. Basis of Indendent fvly eXam1rOn Ss carried in accdance wlth Rewlati( 11 of the Chwities examinerfs stement | Actounts (ScotEand) Regulattons 20(. An gxamlnabon indudes a review of Ihe acxxjunting records kept by the ch8rity and a (x)mparfson of the accounts presentèd wi th086 rerds. It also indudes consldeTa#on of any unusual items or disd(%8ures In th aUnts and seeks explanations from the trustees nCernIng any such matte[8. The procedures undertaken do not provlda all the evldenc8 that would be required In an audit ' and. nSequently. I do not exprass an audlt opinlon on the accounts. Indapendent èxamlnerfs , In the coutEg of my examlnalion. no matt8r has coma lo my attention statemenl which gfv8s m8 r8asonable ceuse to believe th8t in any material respect the requirèments: to keep acwunting recx)rds in accordance wlth sèction 44{1) (a) of the 2005 Act and Regulation 4 of the 2006 Accounts Regulatlons, arld to prepare accounts which accord wllh the aCUntIng records and ojmpty with Regulation 9 of the 2006 Accounts Regu18tlons have not been met to whlch, In my opink>n. attenuon Shoukl be drawn in order to enable a proper understanding of the accounts to be reached. i Datè: May 2025 Slgned: Name: Relevant professional qualificatlon{s) or body I Chartered Cerbfied Awuntant (rf any): Addr8s6: