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BENDRIGG TRUSTANNUAL REPORT AND FINANCIAL STATEMENTSFOR THE YEAR ENDED 31 DECEMBER 2021

CONTENTS 3 4 5 6 7 10 11 12 13 17 18 19 20 Chairman s Statement Mission Vision and Values Objectives and Activities Key Objectives For 2021 Achievements and Performance 2021 Summary Volunteers Feedback and Photos Fundraising Achievements Fundraising Standards Looking Forwards Risk Management Financial Review PAGE 2 22 Governance Structure and Management 24 Staff and Volunteers 25 Statement of Trustees Responsibilities 26 Independent Auditors Report 30 Statement of Financial Activities 31 Balance Sheet 32 Cashflow Statements 33 Notes to the Accounts 49 References and Administrative Details The Trustees have pleasure in presenting their report and the financial statements of the charity for the year ending 31 December 2021 This report includes the requirements of a directors report in accordance with company law The financial statements comply with the Charities Act 2011 the Companies Act 2006 the Memorandum and Articles of Association and Accounting and Reporting by Charities Statement of Recommended Practice applicable to charities preparing accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland FRS 102

Our reopening in the week of 22nd June was heralded with a visit by the BBC and Tim Farron, MPfor the constituency of Westmorland and Lonsdale. We are especially indebted to Tim who hasbeen so supportive of Bendrigg and the outdoor sector, as a whole, during the pandemic. Despitethe complexities facing us during the year, we completed a Renewable Energy Feasibility Studywhich will certainly feature in our future strategic planning. Other initiatives of note include thesetting up of a Disability Advisory Group, representing a variety of stakeholders, which has metremotely on several occasions. Most significantly, the financial prediction at the beginning of theyear of a deficit of circa £150,000 was turned into a small surplus by December: huge thanks go toall of our donors, supporters, auditors and the superb financial management of the Bendrigg Team. Once again, we applaud the professionalism and support of all of our staff team. Despite a furtherfive months of furlough, their loyalty remained outstanding and huge positivity was displayedwhen they returned. This has been an exceptionally challenging year for them with, for example,the ongoing issues involving compliance with the comprehensive covid measures and inevitablegroup cancellations. On behalf of all the trustees, I say, “Thank you. You really do not know howdeeply you are appreciated.” In addition, we give huge thanks to all our volunteers and our funders:without you, we would quite simply not be able to operate.Our thanks go to Clare Millington who stepped down as a trustee at the 2021 AGM. In addition,thank you to all trustees as your ongoing commitment to Bendrigg continues: we were able toadapt from full Teams Meetings to a hybrid version from September with some trustees able toattend on site while retaining Teams on the ‘big screen’ for those not able to travel. This has beenanother highly demanding year but your commitment has played a vital role in facilitating thesuccess that Bendrigg has achieved.A further development in 2021 has a key part to play: restructuring of the Management Team isnow in place. Given the enormity of events and their impact on Bendrigg during the last two years,we have the opportunity to assess our current situation, priorities and challenges. In turn this willlead us to consider our strategy and business planning for the future: these are exiting times. Feedback from groups visiting Bendrigg in 2021 has been outstanding: they have, withoutexception stated how much Bendrigg has been needed – how important it has been to come backand reconnect with the outdoors and other people. In the words of one staff member, “What awonderful, magical time.”None of the above would be possible without the superb contribution of all of our stakeholders.From another visiting staff member, “I would just like to express what an amazing group of peoplewho run your trust are.” I agree: and to you all, as Chairman, I simply say, “Thank you.”It is indeed the needs of our visitors that are our priority. And with the truly exceptional leadershipof our Director, Nick Liley, Bendrigg can surely look forward to ‘magical times’ as we enter 2022and consider the future.A YEAR OF TWO HALVESCHAIRMAN'S STATEMENTRachael Hodgson, ChairmanP A G E 3With the country once again in full lockdown weentered 2021 with a great degree of uncertainty aboutwhat the coming year would hold for us. However, asthe months progressed it became obvious that our aimof being able to reopen in the summer would befulfilled: on Monday 22nd June, after fourteen monthsof closure, our doors finally reopened. And 2021 hasproved to be, despite one or two inevitable setbacks (asan example, Storm Arwen and the havoc wreaked onour woodland – now being cleared by contractors andvolunteers – and destruction of our Teepee), anextraordinarily positive year for Bendrigg.

To promote inclusion, encourageindependence and build self-confidence through the provisionof adventurous activitiesOUR MISSIONVISIONMISSION An inclusive societywhere everyone is equalOUR VISIONOur 6 core valuesare at the heart ofeverything we doOUR VALUESVALUESSOLUTIONS NOT PROBLEMSSAFETY/RISKBENEFITPEOPLEINNOVATIONOUTDOORENVIRONMENTOUTDOORLEARNINGP A G E 4A year of two halvesMISSION, VISION ANDVALUES

At Bendrigg Trust, we understand the importance of empowering disabledpeople with the attitudes, skills and behaviours they need to make positivedecisions in their lives. Ultimately this will enable them to thrive in theireducation, at home and socially, throughout their lives. We do this through: Be financially sustainableExhibit effective governance &inspirational leadershipDevelop our staff and deliverexcellenceBe at the forefront of activity deliveryfor people with disabilitiesContinuously improve safety standardsMaintain excellence in the BendriggfacilitiesOBJECTIVES AND ACTIVITIESStrategically, we aim to :We provide accessibleaccommodation for peopleof all abilities to enjoy aresidential experiencewith their families, friendsand peersRESIDENTIALEXPERIENCEADVENTUREACTIVITIESAWARENESSBUILDINGLIFE SKI LLSSOCIAL S KILLSOUTDOORSCONSULTA NCYVOLUNTEE RCHALLENG EINDEPEND ENCECONFIDEN CERELATION SHIPSINCLUSIO NCOMMUNIT YWELLBEIN G We offer a range ofadventure activities whichare adapted using specialistequipment so that evenpeople with the mostcomplex needs canexperience themWe provide opportunitiesfor people to be involvedwith our work throughvolunteering schemes. Wealso provide training andconsultancy services fordisability awarenessExposure to new experiencesin the greatoutdoorsLearning to embraceuncertainty achievingmore than theybelieve themselvescapable ofTraining andeducating peopleabout inclusion,disabilities and theuse of adaptiveequipmentPeople areencouraged to dothings forthemselves in asafe environmentIndividuals livealongside andwork withothers as partof a teamHelps to buildpositiverelationships anddevelop social skillshelping to reducelonelinessThis generates asense ofresponsibility andpurpose leading toincreased sense ofindependenceGiving people theopportunity to giveback and workingalongside peoplewith additionalneedsFreedom andspace to connectwith nature andit's moodboosting impactA sense ofachievement andaccomplishmentEducatingothers to build amore inclusivesociety whereeveryone isequalBringing peopletogether to bridgethe disability gapand help to reducelonelinessP A G E 5

K E Y O B JE C T I V E S F O R 2 0 2 1Reopen our doors to residentialvisitors in the summer of 2021 after 14months of closure due to the Covid-19pandemicBendrigg reopened its doors toresidential groups in late June 2021after being closed for over 14 months.Various Covid-secure measures wereimplemented to ensure the safety ofvisitors, including limiting capacity. Thanks to grant funding we were ableto commission a feasibility study foron-site renewable energy. Various stakeholders have beenconsulted to start building a draftTheory of Change model and aStrategic Plan Working Group has beencreated to begin this process in 2022. A Disability Advisory Group has beencreated with members from variousstakeholder groups. A new Climbing for All booklet inconjunction with the BMC is due to bepublished in 2022. The original cautious budget forecast a£150,000 deficit for the year. Thanksto stringent cost control and supportfrom our donors and supporters wewere able to finish the year with a £29,040 surplus before depreciation. ExceededPartially metDevelop a Theory of Change modeland produce a revised Strategic PlanMetMetMetMetExceededContinue to ensure the financialsecurity of Bendrigg throughout thepandemic through stringent control ofexpenditure and strategic fundraisingactivitiesCarry out a feasibility study to create amore energy efficient and sustainablefuture for the TrustSet up a Disability Advisory Group forBendrigg TrustContinue to support NationalGoverning Bodies with their inclusiveadventure offerings, includingdeveloping a new climbing disabilityawareness booklet Achieve a revenue income target fromvisitor fees of £318,461Achieve a fundraising target of£492,189 for the year Thanks to increased demand for ourservices following the pandemic, feeincome was exceed by £45,439The continuation of the CoronavirusJob Retention Scheme as well assupport from new and existing fundersmeant that fundraised income was£66,993 above target. Partially metP A G E 6

A C H IE VE M E N T S A ND P E R F O R MA NC E2 0 2 1 A T A G L A N C EThere was such uncertainty as we entered 2021 as tohow much longer the pandemic would affect ourservices and what support would be forthcoming, thatwe were cautiously predicting an £150,000 deficit forthe year. We are therefore delighted to report a£29,040 surplus for the year before depreciation. This isthanks to the demand from our visitors, to return ingreater numbers and more quickly than predicted, aswell as fundraising success with existing and newfunders and supporters. A C H I E V I N G A SU R P L U SR E O P E N I N GP R O T E C T I N G J O B SThe Covid pandemic meant that Bendrigg was closed toresidential visitors for over 14 months. On the 22ndJune 2021, we welcomed our first residential groupsback to Bendrigg. This significant milestone was coveredby BBC North West News and local MP, Tim Farron,came to Bendrigg to lend his support after being such astrong voice for the 'Save Outdoor Education' campaignthroughout the pandemic. It's our people that make Bendrigg so special. Duringthe pandemic, a significant concern for many people wasjob security. Thanks to Government funding andstringent internal governance, we were able to protectjobs whilst we were closed. This in turn, has enabled usto 'bounce back' once we were able to reopen our doorsin June 2021. It wa s a ll ex cel le n t, Be ndr ig g i s s o i nc lus ive , wene ver t h ou ght so me of th e t hi ngs co ul d b e d one .Be ndr igg n e ve r d isa pp o in ts. It 's su ch a s pe c ia lce ntr e w it h i ncr edi bl e s taf f. Do n 't ch ang e a ny thi ng!P A G E 7

P A G E 8Throughout 2021 Bendrigg adapted to the ever-changingrestrictions and guidance. When able, we opened up ourgrounds for free exclusive access for shielding families.During the summer we offered free day activities forthose who had been isolating for so long and before ourresidential services reopened, families were able to hireour accessible accommodation for self-catering breaks. S U P P O R T I N G F A MI L I E SN E W M I N I B U SR E N E W A B L E E N E R G Y F E A S I B I LT YS T U D Y The Hartley Trust granted us £65,000 towards a newminibus with grant payments spanning both 2020 and2021. By agreement, Bendrigg delayed purchasing thevehicle until the centre reopened in 2021. Delivery of thenew, fully accessible vehicle was taken in Autumn 2021,increasing the size of our fleet to 7. Thanks to funding from the Rural Community EnergyFund via the Local Energy North West Hub, Bendrigg wasable to commission a feasibility study looking at thevarious options of reducing our carbon footprint. Thisstudy looked at the technology available as well asplanning, finance and legal issues and produced a reportdetailing possible options for Bendrigg to consider. Aswell as identifying some short term solutions, the reportwill help inform issues in the next strategic plan. Th e m os t a cc ess ib le pla ce we h ave e ver b e en an d themo st in clu si ve. K eep do in g w ha t y ou 're d o in g h er e, itma kes s uch a di ff ere nce t o y ou ng pe opl e' s l ive s.A C H IE VE M E N T S A ND P E R F O R MA NC E2 0 2 1 A T A G L A N C EAs a family lockdown h i t u s v e r y h a r d . This wasjust what we needed t o s h o w u s t h a t w e canstart having fun aga i n .

P A G E 9In 2021 we embarked on our Hidden Disabilities Project tohelp ease the anxieties of people with learning disabilities,communication difficulties & autism. The four part projecthas seen us develop a range of resources including a guidedtour & action pack, giving people more details about ourfacilities to help put them at ease. Progress for this projecthas been delayed by the pandemic but we are alreadyseeing more enquiries as a result of what we have achievedso far.H I D D E N D I S A B IL I T I E S P R O J E CTN I C A SD I S A B I L I T Y A D V I SO R Y G R O U PIn 2021, Bendrigg became a National Indoor ClimbingAward Scheme (NICAS) accredited provider. NICAS is a UK-wide scheme designed to promote climbing developmentand accredit individual achievements on indoor/artificialclimbing walls. This is a great opportunity for members ofthe Bendrigg Climbing Club to progress their skills and towork towards, and receive, a nationally recognised award. In 2021 we successfully launched a new Bendrigg DisabilityAdvisory Group. The group is made up of Bendrigg visitors,staff and trustees and its purpose is to help advise andguide the organisation moving forwards. We have alreadyhad a number of meetings which have helped to guide theBendrigg services and projects in 2021. G U I D E D T O U RA C T I O N P A C KC O M M U NI C A T I O NR E S O U RC E SL D O P ENC O U R S ENIC A S h as b e e n a g r e a t a s s e t to o f f er r e g u lar c l i mbe r s a t o u r clim b i n gclu b . I t g i v e s th e m s pec i f i c sk i l l s to f o cus o n and h e l p t h e m gro w a scli m b e r s a n d a lso i n con f i d e nce o f the i r o wn a b i l ity . T hose s i gned u pfor t h e sc h e m e ar e r e all y e n joy i n g wor k i n g th r o u g h t h e c rit e r i a an dach i e v i ng s p e c ifi c g o als a l o ng t h e way t o gai n i n g th e i r awa r d s . Vi c ky B in k s - Be n dri g g T uto rA C H IE VE M E N T S A ND P E R F O R MA NC E2 0 2 1 A T A G L A N C E

On e of ou r f u ll - t im e w h ee l ch a i r u se r s,wh e n o n t h e s wi n g , s ai d t h at i t m ad ehe r fe e l f re e , w it h o ut pa i n a nd n otdi s a bl e d. Su c h a po w er f ul ex p e ri e nc e . P A G E 1 02 0 2 1 S UM M A R YIt's du e to yo ur selve sthat ou r pupil s have achanc e to grow .Clients1 4 0796%Increased confidence & self-esteem90%Improvedphysical & mental well-being93%Improved social skillsGreaterindependence93%Felt moreincluded96%1 2 9Leaders7 9 52 2 0 2Total visitors5 6 8 6WheelchairusersResidentialvisitsDayactivities64% 36%People who accessed our services in 2021 rated their overall experience 4.6/5noticed improvements in...Due to government restrictions and lockdowns as a result of the coronavirus pandemic, we had to adaptour charitable activities throughout 2021. We weren't able to offer our residential courses until half waythrough the year, so we developed new services which continued to address the needs of our visitors, ata time when they needed us the most. We are delighted that we were still able to provide services for somany in 2021.

I'd l ike to s a y a hug e tha n k yo u to e ver y onewho h as v olu n t eer e d a t Ben d r igg in 2 0 21. I twas a mo n ume n t al e f for t to r eop e n a f t er s u cha l o n g p e rio d of c l os u r e a n d a s pec i a l t h ankyou m ust go t o ou r ma i n ten a n ce v olu n t eer swho h ave con t i nue d to b e a h uge sup p o rtthr o u gh t his t ime . We w ere a lso del i g hte d towel c o me a nu m b er o f l o n ger t erm vol u n tee r swho s upp o rte d us w i th d ome s t ic d uti e s an dpro j e cts thr o u gho u t t h e ye a r .A L L I A N C E M A N C H E S TE R B U S I NE S S S C H OO L P R O J EC TFor several years now Bendrigg has been selected for partnership with the AMBS not-for-profitconsultancy project. In September 2021 the students undertook a comprehensive analysis of thevolunteer programme to look at how we could increase the numbers of volunteers signing up andensure the volunteer programme was being seen as a positive project. We also wanted to see ifthere was a way that the benefits of volunteering could be increased by both the volunteersthemselves, and Bendrigg Trust. The students surveyed a number of volunteers and identified a highsatisfaction rate with key comments being: working with different people from variousbackgrounds, exceptional friendliness and support of the Bendrigg staff, excellent food andaccommodation facilities. They also made several recommendations for marketing campaigns toattract more volunteers & inspired the trust to look at a "revamp" of the volunteer scheme which welook forward to developing in 2022.144volunteersWe weresupported byat Bendriggin 2021Due to the pandemic and restrictions within the prison services, we were unable to restart our BendriggAlternative Scheme in 2021. We are incredibly proud of the scheme and are looking forward to having it'back up and running' in 2022.Since we've re-opened for residential visits in June 2021 we have been supported by 144 volunteerswho have contributed to everything from residentials to maintenance and grounds support.Ka t e M cC a ll um – V ol u nt e er Co - or din at o rP A G E 1 1V O L U N T E E RSB E N D R I G G A L T E R N A TI V E S C H EM E

P A G E 1 2Thank y ou so mu c h for our a mazing s t a y. I som e t imesforge t how amaz i n g my dau g h ter is a n d this ho l i dayhas r e m inded me o f it. It w as wonde r f ul to be a ble torelax w ithout f e a r of bei n g judged.The onl y thingthat st ops me isme!F E E D B A C K A N D P H O T O SI was a ble todo thi n gs Inever t houghtI coul d .Lo u i se's a nxie t y and m o od w a s at a n all - t ime l o w an d as a f amil ylo c k down h as h i t us v e r y h a r d . Th i s wee k e nd w a s jus t what w ene e d ed t o show u s th a t we c a n st a r t hav i n g fu n agai n and i t wasgr e a t to s e e L o u i se s m i lin g a nd m a k ing f r iend s . It h a s gi v e n usth e conf i d ence b o ost w e al l n eede d .

PAGE 13 2021 FUNDRAISING ACHIEVEMENTS Ordinarily we would see costs for staffing and other unavoidable core costs covered by a large proportion of income from our residential services However as we remained closed for half the year much of this income was lost Therefore fundraising has been paramount to the survival of Bendrigg throughout the pandemic and the Bendrigg fundraising team has worked incredibly hard to make up for the additional loss of income It is worth noting that Bendrigg doesn t ordinarily receive Government funding but in 2021 we received 135 449 towards staffing costs through the Coronavirus Job Retention Scheme CJRS Without this funding Bendrigg would have had to consider redundancies or use up a large proportion of our reserves to retain our highly skilled staff team leaving the charity in a vulnerable position going forward 2021 Total funds raised 559 182 Course Income 363 900 Trusts Foundations Government Funding Individual Donors Corporate Partnerships Events 42 32 8 3 7 3 5 43 41 8 3 3 2 0 Gift Aid Legacies In Memory 2020 Total funds raised 647 100 Course Income 162 680 559 182 raised through fundraising in 2021 Where this money was spent 327 467 82 698 General Funds to support our charitable activities and unavoidable running costs Specific funding for equipment staff capital IT and other projects 59 15 135 449 13 568 Specific funding claimed for staffing CJRS To use for group individual sponsorship for those unable to afford our services 24 2

We give thanks to all of our funders including:P A G E 1 4Fa nt a s t ic f un di ng f r o m B en dr ig g. H e nr y* h as b e e nwi th d r a wn a nd a nx io u s ov er t he p a s t y ea r bu t t h i s ha sre al l y bo os te d hi s c o n fi de nc e ag a i n . It 's b ee n l o v el y.Wi th o u t t he f un di ng w e r ea ll y wo u l d h av e st ru g g l ed t ofi nd t h e mo ne y to c o m e a nd t he re f o r e we a re r e a l lygr at e f u l fo r ev er yo n e ra is in g fu n d s*n a m e c h an g e d t o r em a in an on y mo u sOur sponsorship fundhelps to subsidise ourservices so that peoplewho are facingfinancial hardship arestill able to access ourservices.There is no doubt that, once again, funding from Charitable Trusts and Foundations has beenincredibly important for Bendrigg. We are grateful to all of our funders for their continuedunderstanding and flexibility in terms of their grants to us. We would particularly like to thank theMary Kinross Charitable Trust, Bendrigg Support Trust and Cumbria Community Foundation whoselong-term support is greatly appreciated. G R A N T F U N D I N G : T R U S TS A N D F O U N D AT I O N SL E G A C I E S A N D IN M E M OR Y F U ND I N GBendrigg has touched the lives of so many people: it is truly a special place where friends andfamily often continue to commemorate the life of a loved one through a legacy and 'in memory'donations. We are truly grateful to all those who choose to donate in this way in the past and in2021.1 Life to LiveThe 29th May 1961 CharityThe Alchemy Foundation Arnold Clark Community FundBaily Thomas Charitable FundBendrigg Support TrustCumbria Community FoundationDrapers' Charitable Fund The Joseph Strong Frazer TrustGarfield Weston FoundationThe Gene Aid Trust The Edward Gostling FoundationThe Hartley Charitable TrustHomelands Charitable TrustLocal Energy North West HubMarsh Charitable TrustMary Kinross Charitable TrustP F Charitable TrustPOM Charitable TrustThe Frieda Scott TrustScottishPower FoundationThe Souter Charitable TrustSir John Fisher FoundationSt. James's Place Charitable FoundationYWCA Kendal

Despite organisations facing another year of incredible hardship, we were fortunate to besupported by a number of corporate and organisational partners, both old and new. Throughfinancial contributions as well as gifts or services in kind, the support we receive from thecommunity is humbling and we are grateful to everyone who chooses to support us in this way.Special thanks to:P A G E 1 5C O R P O R A T E A N D O R G A N IS A T I O NA L S U PP O R TI N D I V I D U A L D ON O R SAn enormous thank you must go to the many individual donors whohave kept Bendrigg going over the past year. The part that this supportplays in changing many people's lives for the better cannot beunderestimated. Together, all of our individual donors make a hugedifference and it is a simple fact that Bendrigg would not be where it istoday without these wonderful people. Thank you from the bottom ofour hearts. In 2021 in particular, the business communityrallied around Bendrigg for our 'Reboot'campaign to get Bendrigg back up and runningagain after so much time with our doorsclosed. From donations to divans, blinds tobedding and skips to sandpaper - so manycompanies helped Bendrigg to find its feetonce more. R E B O O T C A M P A I GNCicerone PressThe Roofbox CompanyAmphigean Tree Top TreksCunninghams OutdoorsThe Rum ShackSimply Moving and SleepingWindermere and Ambleside LionsBreedon GroupB&Q KendalThink RecyclingAsda KendalSealyHomebase KendalUpper Eden Rotary

When lockdown measures began to ease, many people took up the challenge to raise funds forBendrigg, more than doubling our normal funds from events. A huge array of physical challengeswere undertaken by our supporters including the Keswick to Barrow Walk, London Marathon,Great North Run as well as personal challenges such as 'A Dip A Day' and 'Brightening Up OurSpirits'. Thank you to all involved in these incredible feats of endurance and generosity. P A G E 1 6The Big Give Christmas ChallengeThe Big Give Christmas Challenge has become a regularfeature in our fundraising calendar and 2021 was our fifthyear taking part. We set ourselves our most ambitious targetyet – £30,000 – as we knew the need for our services wasgreat. Over the 7 day challenge our supporters raised astaggering £34,239 including gift aid. Thank you to everyonewho donated, shared and supported this event. F U N D R A I S I N G EV E N T S

Donors to Bendrigg Trust can be assured that we comply with theregulatory standards for fundraising. We are voluntarily registeredwith the Fundraising Regulator and are committed to theFundraising Promise and comply with all the relevant standards setout in the Code of Fundraising Practice. Our Business DevelopmentManager is a member of the Chartered Institute of Fundraising.Our fundraising effort involves encouraging donations and giftsfrom individuals, running and supporting fundraising events,engaging with corporate partners and applying for grants fromCharitable Trusts and Foundations. These fundraising activities areorganised and managed by our in-house fundraisers with noexternal professional or commercial fundraisers used. Weencourage any individual, business or third-party fundraising, onour behalf, to inform us of their fundraising activities and alsoadhere to the Code of Fundraising Practice.Our website outlines our Ethical Fundraising Policy which seeks tocover the ethical issues and social responsibility within fundraising. We respond to all complaints within 10 working days. Complaintsare dealt with in-line with our Fundraising Complaints Procedure asoutlined in our Ethical Fundraising Policy. All complaints are dealtwith by our Senior Leadership Team (SLT) and our trustees areinformed of those which are serious. We have published our Safeguarding Policy on our website. We arealso signed up to the Fundraising Preference Service to enableindividuals to opt out from receiving fundraising communicationsfrom us. We received zero requests from this service last year.P A G E 1 7F U N D R A I S I N G ST A N D A R D SOur FundraisingPolicyOur SafeguardingPolicyCode ofFundraisingPracticeIn te gr it y T ra ns pa rency Honesty

Complete the BendriggTheory of Change modelContinue our fundraisingefforts and achieve £312.5k for the yearDevelop a new Business Planto drive Bendrigg forwards forthe next two years B U IL DF I NA N CI A LS T AB I LI T YP A G E 1 6L O O K I N G F O R W A R D SAs we emerge from the pandemic and a long period of closure, we now look to thefuture. In 2022 we plan to:P L AN &S T RA T EG I SEC O NS O LI D AT EO U R D EL I VE R YDevelop a longer termStrategic Plan for BendriggP A G E 1 8Catch up on essentialremedial work at BendriggTrust Review the Bendriggactivity offer and explorenew activities Rebuild and develop theBendrigg staff team backto pre pandemic levels Continue our project to developour provision for people withhidden disabilities Rebuild our occupancy levels andachieve £734k in course feeincome Achieve £75k in fundraisedsponsorship funding to help fundvisitor course feesAchieve an overall deficitof (no more than) £35k

The Board of Trustees is sensitive to potential risks to which the charity may be exposed.Risk RegisterThe management of risk by Bendrigg Trust is based upon a Risk Register (‘the Register’) whichhas been in use since February 2017. The Register is kept under active consideration by theCentre Director and is reviewed every 6 months by the Risk Register Committee, which consistsof the Centre Director and up to 3 Trustees. The last bi-annual review of the Register was on14th January 2022. ResponsibilitiesThe Risk Committee reports to the Trustees in Council. Risk Management is ultimately theresponsibility ofall Trustees. It is the Trustees duty(assisted by the Risk Committee)to identifyrisks, to devise systems for managing those risks (or ensure that proper systems have beendevised) and to monitor these systems to ensure that they are beingput into effect.The risks considered in the register are considered under six headings:Risks posed by the Covid-19 Pandemic The most significant risk to Bendrigg, posed by the Covid-19 pandemic, remains financial. Asa result, this is being closely monitored by the Trustees and steps are being put in place tomitigate these risks.Whilst retaining staff has been a high priority for Bendrigg during the pandemic, the Trustdid see a small number of staff depart in 2020 and 2021. During the period of closure, thedecision was taken to delay replacing staff as a financial defensive measure. Since reopening,recruitment for certain roles, such as Tutors and Domestic Assistants has been difficult.However, following a number of mitigating steps taken by Trustees in early 2022,recruitment has improved. Recruitment remains an active risk on the Risk Register. 2022The Trustees have recognised the financial risks associated with the 2022 energy and 'cost ofliving' crisis, and the potential impact this will have on Bendrigg and its visitors. This is beingclosely monitored by the Trustees and mitigating steps are currently being considered. Public BenefitFrom 2008, the Charities Act has required all charities to meet the legal requirement that itsaims are for the public benefit. For this to be true there must be an identifiable benefit and thebenefit must be to the public or a section of the public.The Trustees are satisfied that the aims and objectives of the charity, and the activitiesreported on in its annual report to achieve those aims, meet these principles.R I S K M A N A G E M E N TExternal Law & RegulationCompliance OperationalFinancialGovernanceCovid-19PandemicP A G E 1 9

The Statement of Financial Activities (SoFA) for the year ended 31 December 2021 shows atotal deficit of £86,914 (2020: deficit of £103,384), made up from an unrestricted surplus of£37,920 and a restricted funds deficit of £124,834. The overall deficit was deducted from thereserves brought forward of £3,760,677, to give total reserves at the balance sheet date of£3,673,763. We are delighted to be able to report this return to surplus in our unrestricted activities in2021, in spite of another very challenging year, during which Bendrigg was still dealing with theongoing effects of the Covid-19 pandemic. The Bendrigg site remained closed to residentialclients until late June, meaning another year of reduced income from our normal charitableactivities; down from £734,840 in 2019 to £363,900 in 2021 (2020: £162,680). To offset thisongoing reduction in client income we continued to receive outstanding support from ourdonors and supporters through the year, for which we are immensely grateful; with donorincome up from £403,857 in 2020 to £423,733 in 2021. The Government’s ‘Coronavirus JobRetention Scheme’ (CJRS) also continued to play an important role, contributing a further£135,449 towards the costs of our staff team in the early part of the year. The return toresidential course delivery, together with superb support from our donors and theGovernment’s CJRS scheme, has served to enable the organisation to return to surplus soonerthan expected. Our initial budgets for the year had suggested a potential deficit of £150,000, soit is hugely encouraging to see the progress made since the re-opening of the site and theresulting unrestricted surplus at year end.The Balance Sheet at 31 December confirms net assets of £3,673,763, with net current assetsof £419,281 (2020: £484,489) and net cash balances of £822,043 (2020: £586,264). It shouldbe emphasised that this cash position is temporarily increased by £250,000, this being the valueof the short term ‘Coronavirus Business Interruption Loan (CBIL)’ that was drawn down in April2021; this facility was repaid in April 2022, within the initial interest free period, and ourunrestricted cash balance have therefore now returned to more normal levels. It is alsoimportant to emphasise that the majority of the cash balance relates to unrestricted funds, with£748,072 held as unrestricted and £73,971 held for restricted purposes (see note 21, page 47);this cash position continues to provide Bendrigg with good financial resilience for the furtherchallenges that we face in 2022. The Balance Sheet also shows the carrying value of ourproperty and other fixed assets, at £3,254,482, most of which are funded by restricted capitalfunds. The Cash Flow Statement provides the detail of the cash movements during the year to 31December, showing that the overall cash position strengthened significantly in 2021, due to thedraw-down of the CBIL loan facility in particular. If the CBIL facility is excluded from theStatement, then net cash reduced by just over £14,000, due to restricted fund expenditureonly.Overall the Financial Statements reflect a robust position after another challenging butimproving year. The Bendrigg management team have worked tirelessly to enable a return totrading surplus over the year, and their efforts place the organisation in a strengtheningposition at the year end. P A G E 2 0F I N A N C I A L R E V I E W

Going Concern Prospects for the next financial year are cautiously positive, in terms of client demand anddonor support, but we are wary of the effects of the war in Ukraine and the wider economicchallenges in the country that result from rapid inflation. We expect costs to rise therefore,while we are still recovering to pre-pandemic levels of site occupancy and income generation,and we expect this combination of factors to result in a small trading deficit in the year ahead.Having said this, we start the year with substantial unrestricted cash balances and we areconfident that the assumption of Going Concern remains entirely valid, based upon a range ofrisk scenarios that have been considered for 2022 and early 2023.Reserves PolicyFree reserves available for use by the Charity are deemed to be those that are realisable, minusfunds where the uses are ‘restricted’ or otherwise ‘designated’ for particular purposes. Thiscalculation thus excludes funds of £3.2million invested in property and other fixed assets thatwill continue to be used in the day-to-day running of the charity. As a matter of policy, each year the Trustees review the value of the reserves retained in theform of investments, cash and cash equivalents not held for restrictive purposes or designatedprojects. The Board considers the Charity’s exposure to major risks, in terms of their likelyimpact on its income sources and planned expenditure in the short to medium term, as well asassessing the best way to mitigate such risks. With income, the major risk is from a decline incourse fees or donor income, particularly due to the worsening economic situation and otherfactors leading to reduced bookings and donations. In previous years we have established a target range for free reserves, based upon holding anamount equivalent to at least four months' worth of normal expenditure. Where fundsexceeded the reserve requirement, we considered these to be 'free reserves', available for useon other unrestricted projects or similar. Given the emerging economic uncertainties, and alsogiven the ongoing potential for a resurgence in Covid-19, we will continue to adopt analternative and more cautious approach, whereby all of our unrestricted funds are re-purposedentirely towards enabling the Trust to overcome any ongoing financial challenges in the yearahead. As a result, our entire unrestricted funds balance of £422,975 remains re-purposed forthe next 12 month period at least, as are all available unrestricted cash balances. Our normalReserves Policy will therefore remain suspended until such time as the Trustees consider itappropriate and sensible for this to be re-instated. P A G E 2 1FINANCIAL REVIEW

ConstitutionBendrigg Trust is a charitable company limited by guarantee, incorporated on 27 October 1978and registered as a charity on 15 February 1979.The company was established under a Memorandum of Association which contains the objectsand powers of the charitable company and is governed in accordance with its Articles ofAssociation. The subscribers are referred to as Members. In the event of the company beingwound up, the Members are required to contribute an amount not exceeding £5.The principle objective of the charity is to provide high quality courses for disabled anddisadvantaged people. It aims to promote inclusion, encourage independence and build self-confidence through the use of residential experience and the safe provision of adventurousactivities delivered by dedicated, qualified staff.Trustees, Recruitment and InductionBendrigg Trust recognises that a robust, independent and effective Board of Trustees isessential if the charity is to achieve its objects.New Trustees are invited to provide a CV and meet the Centre Director and the Chairman of theTrustees. Those without background knowledge of Bendrigg are given a tour and invited toattend Council and/or Management Committee meetings before they commit themselves. Theaim is to have a varied and diverse Trustee Board with a mix of skills that match Bendrigg’sneeds.After being elected, a new Trustee is provided with the main documents which set out theoperational framework of the charity including the Memorandum and Articles, Business Plan andFinancial Statements. Many Trustees make frequent visits to Bendrigg, in some cases at leastweekly, giving rise to an easy and informal relationship with the Centre Director, the rest of thestaff and other Trustees.The Directors of the Company are also Trustees for the purposes of charity law and under theCompany’s Articles are known as Trustees and make up the Council.Under the Articles, the Trustees are elected to serve a period of three years. Of the electedTrustees, one third retire every year and are eligible for re-election. Those Trustees retiring arethose who have been longest in office since their last election.GOVERNANCE, STRUCTUREAND MANAGEMENTP A G E 2 2

TRU STE E STE ERI NG GR OUPConsidering finance, health andsafety, activities, insurance,buildings and groundsSTR ATE GIC A ND BUSINESS PLA N W ORKIN G G ROUPResponsible for reviewing andwriting a new five year businessand strategic planIT AND TELE COM S WOR KIN G GRO UP Overseeing the IT andtelephone infrastructureBEN DRI GG DI SAB ILITYADV ISO RY GR OUP Meeting as and whenrequired to advise the Truston disability mattersOrganisational Structure and GovernanceThe Council meets bimonthly (although during the Pandemic, were meeting on a monthlybasis) and is responsible for the strategic direction and policy of the charity. Sub-committeesconsider the detail and report to the Council. Sub-committees are as follows:Further to the sub-committees, working groups are also formed to oversee specificprojects for a set period of time. Working groups active in 2021 included:P A G E 2 3GOVERNANCE, STRUCTUREAND MANAGEMENTAPP EAL SCOM MIT TEEDetermining any appeal from adecision of the HR committee andresolving any grievance raised underthe staff grievance procedure RIS K REGIST ERCOM MIT TEE Overseeing the charity’s Risk RegisterPRO JEC TSCOM MIT TEEMeeting as and whenrequired to oversee anymajor capital buildingprojectHR COM MITTE EOverseeing all HumanResource mattersincluding disciplinaryissues FUN DRA ISING AND MA RKETI NGCOM MIT TEEOverseeing the marketingand fundraising plans,policies and procedures ofthe centreBEN DRI GGALT ERN ATIVECOM MIT TEEDedicated to theBendrigg Alternativescheme for offenders

The Trustees recognise the extremely valuable contributionmade by volunteers and wish to place on record their thanksfor their commitment. Volunteering at Bendrigg covers manyareas of work including activity delivery, office administration,domestic duties, grounds and building maintenance and muchmore. The list is endless. No amounts are included in thefinancial statements to reflect the value of the workundertaken by our volunteers.The day-to-day running of Bendrigg lies with the Centre Director and through him, the SeniorManagement team. The Trustees are grateful to all members of staff for their continuedsupport during another challenging year. Bendrigg Trust seeks to be an employer of choiceand reviews on an annual basis the level of remuneration and other benefits awarded to staff.In 2021 Bendrigg undertook a more detailed benchmarking exercise with other similarorganisations and made adjustments were it was felt necessary. As a result of this, all staffare now paid at least the Real Living Wage. Pay Policy for Senior StaffBendrigg Trust's approach to paying senior staff is to appropriately reward staff for the workthey do. It recognises the need to ensure value for money for the charity, balanced with theneed to recruit and retain staff. The Board of Trustees is responsible for defining the policyand deciding on the salaries of the Centre Director and Senior Managers and all salaries arereviewed on an annual basis. "Ou r fam il y e nj oy e d th e b es t m os t i nc lus iv eexp er ien ce w e h av e e ve r h ad . T he st af f m ad e agoo d ti m e be t te r s ti ll !"{We } wer e ab s olut e ly b low n awa y by t he w ay E d wa s ab l e t o eng a ge, grad e an dada p t hi s ap p roac h wi t h e a c h a n d e v e ry s tud e nt i n th e gr o u p; e nab l ing t hem toach i e ve t hin g s th a t m a ny o f th e st a ff n e ver tho u g ht t he y oung peo p le w o uld beabl e to d o. H e wa s te a chi n g th e ch i ldre n sc i enc e , de s ign tech n olo g y,env i r onm e nta l sci e nce , ge o g rap h y a n d te a m w o rk. O ne o f t h e te a che r s co m men t edtha t he' d go t mor e ou t of o ne o f t h e ch i ldr e n i n one hou r tha n th e y h a d ev e r s e enin t h e e n tir e yea r he had b een wit h the m . T h e mo s t m a gic a l mo m ent was o ne o fthe s tud e nts turn i ng r oun d as h e w a s ca r ryi n g a s pad e sa y i ng " Mis s I d i d i t . T h isis m y fi r st r eal j ob a nd I lov e it ! "STAFFVOLUNTEERS"A h u ge t han k you to a ll t h e s t aff who h ave made thi s su c h a m agi cwee k e nd - no t onl y th e st a f f s u ppo r ting our tea m but the f abu l ouskit c h en s taf f who coo k ed s u ch d eli c ious foo d . We can ' t t h i nk o f a n ythi n gyou g uys cou l d do to m ake t he e xpe r i enc e be t ter. "P A G E 2 4STAFF AND VOLUNTEERSSt af f a nd s t ud en t s wi th co mp l e x n ee d s fr o m Un de r l a y G a r d e nSc ho o l v o lu nt e e r i n g as p a r t o f th e i r w or k ex p e r ie nc e p r o g r am me

Select suitable accounting policies and apply them consistentlyObserve the methods and principles in the Charities Statement of RecommendedPractice (SORP)Make judgements and accounting estimates that are reasonable and prudentState whether applicable UK Accounting Standards have been followed, subject to anymaterial departures disclosed and explained in the financial statementsPrepare the financial statements, on the going concern basis, unless it is inappropriateto presume that the charitable company will continue in operation.The Trustees (who are also Directors of Bendrigg Trust for the purposes of Company Law)are responsible for preparing the Trustees’ Annual Report and the financial statements inaccordance with applicable law and regulations.Company Law requires the Trustees to prepare financial statements for each financial year.Under that law the Trustees have elected to prepare the financial statements in accordancewith United Kingdom Generally Accepted Accounting Practice (United Kingdom AccountsStandards and Applicable Law). Under company law the Trustees must not approve thefinancial statements unless they are satisfied that they give a true and fair view of the stateof affairs of the charitable company and the income and of the charitable company for thatperiod. In preparing these financial statements, the Trustees are required to :The Trustees are responsible for keeping adequate accounting records that are sufficientto show and explain the charitable company’s transactions and disclose, with reasonableaccuracy at any time, the financial position of the charitable company and enable them toensure that the financial statements comply with the Companies Act 2006. They are alsoresponsible for safeguarding the assets of the charitable company and hence for takingreasonable steps for the prevention and detection of fraud and other irregularities.AuditorMHA Moore and Smalley are deemed to be re-appointed under section 487(2) of theCompanies Act 2006. Each of the persons who is a Trustee at the date of approval of this report confirms that:• So far as they are aware there is no relevant audit information of which thecharitable company’s auditor is unaware; and• Each Trustee has taken all steps that they ought to have taken as a Trustee to makethemselves aware of any relevant audit information and to establish that the charitablecompany’s auditor is aware of that information.ApprovalBy approving the Trustees report the Trustees are also approving the strategic report intheir capacity as company directors.This report was approved by the Trustees on 26th May 2022 and signed on their behalf by: Nicholas Liley Rachael Hodgson Secretary ChairSTATEMENT OF TRUSTEESRESPONSIBILITIESP A G E 2 5Nick LileyRachael Hodgson

I N D E P E N D E N T A U D I T O R SR E P O R TOpinionWe have audited the financial statements of Bendrigg Trust for the year ended 31 December2021 which comprise of the Statement of Financial Activities, Balance Sheet, Cash Flow Statementand notes to the financial statements, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and UnitedKingdom Accounting Standards, including Financial Reporting Standard 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice). This report is made solely to the charitable company’s members, as a body, in accordance withChapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the charitable company’s members those matters we are required to state tothem in an auditor’s report and for no other purpose. To the fullest extent permitted by law, we do notaccept or assume responsibility to anyone other than the charitable company and the charitablecompany’s members as a body, for our audit work, for this report, or for the opinions we have formed. In our opinion the financial statements:• give a true and fair view of the state of the charitable company’s affairs as at 31 December 2021, and of its incoming resources and application of resources, including its income and expenditure, for the year then ended;• have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; and• have been prepared in accordance with the requirements of the Companies Act 2006. Basis for opinionWe conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) andapplicable law. Our responsibilities under those standards are further described in the Auditor’sresponsibilities for the audit of the financial statements section of our report. We areindependent of the charitable company in accordance with the ethical requirements that are relevantto our audit of the financial statements in the UK, including the FRC’s Ethical Standard, and we havefulfilled our other ethical responsibilities in accordance with these requirements. We believe that theaudit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. Conclusions relating to going concernIn auditing the financial statements, we have concluded that the Trustees' use of the going concernbasis of accounting in the preparation of the financial statements is appropriate. Based on the work we have performed, we have not identified any material uncertainties relating toevents or conditions that, individually or collectively, may cast significant doubt on the charitablecompany's ability to continue as a going concern for a period of at least twelve months from when thefinancial statements are authorised for issue. Our responsibilities, and the responsibilities of the Trustees, with respect to going concern aredescribed in the relevant sections of this report. P A G E 2 6

I N D E P E N D E N T A U D I T O R SR E P O R TOther InformationThe other information comprises the information included in the Trustees’ Annual Report, other thanthe financial statements and our auditor’s report thereon. Our opinion on the financial statementsdoes not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon. Our responsibility is to read the other information and, in doing so, consider whether the otherinformation is materially inconsistent with the financial statements or our knowledge obtained inthe course of the audit or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. If, based on the work we have performed, we concludethat there is a material misstatement of this other information, we are required to report that fact. We have nothing to report in this regard.Opinions on other matters prescribed by the Companies Act 2006In our opinion, based on the work undertaken in the course of the audit:• the information given in the Trustees’ Annual Report (incorporating the Directors’ Report)for the financial year for which the financial statements are prepared is consistent with thefinancial statements; and • the Trustees’ Annual Report has been prepared in accordance with applicable legalrequirements.Matters on which we are required to report by exceptionIn the light of our knowledge and understanding of the charitable company and itsenvironment obtained in the course of the audit, we have not identified material misstatements in theTrustees’ report. We have nothing to report in respect of the following matters in relation to whichthe Companies Act 2006 and the Charities Act 2011 requires us to report to you if, in our opinion:• adequate and sufficient accounting records have not been kept by the charitable company, or returns adequate for our audit have not been received from branches not visited by us; or • the financial statements are not in agreement with the accounting records and returns; or • certain disclosures of directors’ remuneration specified by law are not made; or • we have not received all the information and explanations we require for our audit; or • the trustees were not entitled to prepare the financial statements in accordance with the small companies’ regime and take advantage of the small companies’ exemption in preparing a strategic report.P A G E 2 7

I N D E P E N D E N T A U D I T O R SR E P O R Tenquiries with the board about any known or suspected instances of non-compliance with lawsand regulations, including fraud;challenging assumptions and judgements made by the board in their significant accountingestimates, in particular in relation to the future financial performance of the company;an evaluation of the risk management override of controls and subsequent testing, includingthrough testing journal entries and other adjustments for appropriateness; andan evaluation of the charitable company's internal control environment. Responsibilities of TrusteesAs explained more fully in the Trustees’ responsibilities statement set out on page 25, the Trustees(who are also the directors of the charitable company for the purposes of company law) areresponsible for the preparation of the financial statements and for being satisfied that they give a trueand fair view, and for such internal control as the Trustees determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due tofraud or error.In preparing the financial statements, the Trustees are responsible for assessing the charitablecompany’s ability to continue as a going concern, disclosing, as applicable, matters related to goingconcern and using the going concern basis of accounting unless the Trustees either intend to liquidatethe charitable company or to cease operations, or have no realistic alternative but to do so.Auditor’s responsibilities for the audit of the financial statementsOur objectives are to obtain reasonable assurance about whether the financial statements as awhole are free from material misstatement, whether due to fraud or error, and to issue anauditor’s report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect amaterial misstatement when it exists. Misstatements can arise from fraud or error and are consideredmaterial if, individually or in the aggregate, they could reasonably be expected to influence theeconomic decisions of users taken on the basis of these financial statements.Irregularities, including fraud, are instances of non-compliance with laws and regulations. We designprocedures in line with our responsibilities, outlined above, to detect material misstatements inrespect of irregularities, including fraud. The specific procedures for this engagement and the extentto which these are capable of detecting irregularities, including fraud is detailed below:Because of the industry in which the charity operates, we identified the following areas as those mostlikely to have a material impact on the financial statements: Health and Safety, including meeting therequirements of the Adventure Activities Licensing Authority; employment law, and compliance withthe UK Companies Act and Charities Act. P A G E 2 8

I N D E P E N D E N T A U D I T O R SR E P O R TAuditor’s responsibilities for the audit of the financial statements (continued)Because of the inherent limitations of an audit, there is a risk that we will not detect all irregularities,including those leading to a material misstatement in the financial statements or non-compliance withregulation. This risk increases the more that compliance with a law or regulation is removed from theevents and transactions reflected in the financial statements, as we will be less likely to become awareof instances of non-compliance. The risk is also greater regarding irregularities occurring due to fraudrather than error, as fraud involves intentional concealment, forgery, collusion, omission ormisrepresentation. A further description of our responsibilities is available on the Financial Reporting Council's website at: https://www.frc.org.uk/Our-Work/Audit/Audit-and-assurance/Standards-and-guidance/Standards-and-guidance-for-auditors/Auditors-responsibilities-for-audit/Description-of-auditors-responsibilities-for-audit.aspx. This description forms part of our auditor's report. Jenny McCabeSenior Statutory AuditorFor and on behalf of MHA Moore and SmalleyChartered Accountants and Statutory AuditorPriory CloseSt Mary’s GateLancasterLA1 1XB26th May 2022P A G E 2 9Jenny McCabe

Income from:Donations and legaciesInvestmentsCharitable activitiesOther 3456327,467212363,900135,44996,266---423,733212363,900135,449403,8572,488162,680243,243Unrestrictedfunds £Restrictedfunds £Total2021 £Total2020 £Total827,02896,266923,294812,268Expenditure on:Raising fundsCharitable activities 7841,654870,932-97,62241,654968,55432,526883,576Total912,58697,6221,010,208916,102P A G E 3 0 Net (expenditure)/income before transfersTransfer between funds 10, 20(85,558) 123,478(1,356) (123,478)(86,914) -(103,834) - Net movement in funds37,920(124,834)(86,914)(103,834) Reconciliation of funds:Total funds brought forward 385,055 3,375,622 3,760,677 3,864,511Total funds carried forward422,9753,250,7883,673,7633,760,677 The Statement of Financial Activities includes all recognised gains and losses in the year. All of the above amounts relate to continuing activities. The Statement of Financial Activities also complies with the requirements for an income andexpenditure account under the Companies Act 2006. The notes on pages 33 to 48 form part of these financial statements.Statement of Financial Activities (Incorporating the incomeand expenditure account)For the Year Ended 31 December 2021

3,673,763 3,760,677 P A G E 3 1Fixed assetsTangible assets 12 3,254,482 3,307,6062021 £ £2020 £ £846,100 623,905Creditors: amounts fallingdue within one year 14(426,819) (139,416)Net current assets 419,281 484,489 Total assets less currentliabilities 3,673,763 3,792,095 Net assets 3,673,763 3,760,677 Funds:Restricted fundsUnrestricted funds3,250,788422,9753,375,622385,055Total funds Current assetsStockDebtorsCash at bank and in hand 1311,11112,946822,0437,28130,360586,264 1719These accounts were approved by the Trustees and authorised for issue on the 26th May 2022 andare signed on their behalf by:................................................. ................................................Rachael Hodgson Kim ParryChair TreasurerCompany Registration Number: 01396557The notes on pages 33 to 48 form part of these financial statements.Balance SheetCreditors: amounts fallingdue after more than one year- (31,418) 15as at 31st December 2021Rachael HodgsonKim Parry

48,39723,785Total2021 £Total2020 £212(62,830)2,488(1,350)(62,618)1,138 822,043586,264 The notes on pages 33 to 48 form part of these financial statements.235,779586,264 24,923561,341 (86,914)(212)115,954(3,830)17,4145,985 (103,834)(2,488)127,207(2,355)(23,040)28,295 48,39723,785 822,043 586,264822,043586,264Cashflows from investing activities:Investment incomePurchase of fixed assetsCash provided by/ (used in) investing activitiesCash and cash equivalents carried forwardIncrease in cash and cash equivalents in the yearCash and cash equivalents brought forwardReconciliation of net movement in funds to net cashflow from operating activitiesNet movement in funds Investments income receivedDepreciationDecrease in stocksDecrease/(increase) in debtorsIncrease in creditors (excluding loan)Net cash generated in operating activitiesComponents of cash and cash equivalentsCash at bank and in handCash generated in operating activitiesCash Flow Statement As at 31 December 2021Cashflows from financing activitiesReceipt of loan250,000 -Cash provided by/ (used in) financing activities250,000 -P A G E 3 2

Accounting policiesLegal formBendrigg Trust is a registered charity and a limited company, limited by guarantee, as defined by theCompanies Act 2006, incorporated in England and Wales. In the event of the Charity being woundup, the liability in respect of the guarantee is limited to £5 per member of the Charity.The registered office of the Charity, the nature of its operations and its principal activities are alldetailed in the Charity administrative details of these financial statements.Basis of preparationBendrigg Trust meets the definition of a public benefit entity under FRS102. The financialstatements have been prepared in accordance with Accounting and Reporting by Charities:Statement of Recommended Practice applicable to charities preparing their accounts in accordancewith the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS102) –(Charities SORP (FRS 102)), the Financial Reporting Standard applicable in the UK and Republic ofIreland (FRS 102), the Charities Act 2011 and the Companies Act 2006.The financial statements are prepared in sterling, which is the functional currency of the Charity.Monetary amounts are rounded to the nearest pound.The financial statements have been prepared on a going concern basis under the historical costconvention. The particular accounting policies adopted by the Trustees are described below. Thesepolicies have been consistently applied to all years presented unless otherwise stated. Preparation of the accounts on a going concern basisThe trustees assess whether the use of going concern is appropriate i.e. whether there are anymaterial uncertainties related to events or conditions that may cast significant doubt on the ability ofthe Charity to continue as a going concern. The Trustees consider the charity to have a sufficientlevel of working capital and have made an assessment in respect of a period of at least one yearfrom the date of authorisation for issue of the financial statements. There are no materialuncertainties about the Charity's ability to continue as a going concern, thus they continue to adoptthe going concern basis of accounting in preparing the financial statements. IncomeDonations and legacies are included in the accounts on a cash received basis or where there is acertainty of receipt and the amount is quantifiable. Grants and donations in respect of specificprojects are recognised in full in the Statement of Financial Activities in the period in which they arereceivable and are credited to restricted reserves.1Notes to the financial statements for the year ended 31st December 2021P A G E 3 3

Accounting policies (continued)Investment income is credited to the statement of financial activities in the period in which itbecomes receivable. Income from charitable activities is recognised in the period to which it relates. Government grants and CJRS (Coronavirus Job Retention Scheme) claims are recognised in theperiod to which they relate. ExpenditureAll expenditure is accounted for on an accruals basis in the expense categories required by theSORP. Expenditure is recognised where there is a legal or constructive obligation to makepayments to third parties, it is probable that the settlement will be required, and the amount of theobligation can be measured reliably. Costs are further allocated between the activities undertakenon a basis consistent with the use of the resources. Charitable activities expenditure includes costs incurred in the delivery of the Charity’s activitiesand services. It includes both direct costs, including staff costs, that are incurred in the delivery ofthe activities and services and indirect costs which are required to support the delivery of thecharitable objects.Costs of raising funds include those costs in relation to the Charity’s operations which are used togenerate further income which is integral to the Charity in meeting its charitable objectives. Itincludes direct costs and also indirect costs which have been allocated on the following basis: Telephone costs –20% Centre Director's salary –10% Marketing & Fundraisers’ salary –50%Fixed assetsAll fixed assets are initially recorded at cost. Depreciation is provided at rates calculated to writeoff the cost of fixed assets, less their residual value, over their expected useful lives on thefollowing basis: Freehold property - 2% straight line per annumLeasehold property - 4% straight line per annumMotor vehicles and trailers - 25% reducing balanceFixtures, fittings and equipment - 10%/20% straight line per annumSports installations - 10% straight line per annumStocksStocks are valued at the lower of cost and net realisable value after making allowance forobsolete and slow moving stocks.1Notes to the financial statements for the year ended 31st December 2020P A G E 3 4

Accounting policies (continued)Debtors and creditors within one yearDebtors and creditors with no stated interest rate and receivable and payable within one year are recorded at transaction price. Any losses arising from impairment are recognised in expenditure. Cash and cash equivalentsCash is a basic financial asset and includes cash in hand and deposits held on call with banks.Fund accountingUnrestricted funds - General funds are available for use at the discretion of the Trustees infurtherance of the general objectives of the charity.Designated funds - Designated funds are unrestricted funds set aside by the Trustees for particularpurposes.Restricted funds - Restricted funds arise where there is a donor-imposed restriction on the useof the funds, or the funds have arisen in response to an appeal for a specified purpose.PensionsThe Charity operates a defined contribution scheme. Contributions are charged in the Statement ofFinancial Activities as they become payable in accordance with the rules of the scheme.TaxationHM Revenue & Customs considers Bendrigg Trust to be a charity and therefore they are entitled toexemption from tax afforded by Sections 478-489 of the Corporation Taxes Act 2010 to the extentthat income is applied exclusively for charitable purposes. Financial instrumentsThe Charity has elected to apply the provisions of Section 11 ‘Basic Financial Instruments’ andSection 12 ‘Other Financial Instruments Issues’ of FRS 102 to all of its financial instruments. Financial instruments are recognised in the Charity’s balance sheet when the Charity becomes partyto contractual provisions of the instrument. Financial assets and liabilities are offset, with the net amounts presented in the financial statements,when there is a legally enforceable right to offset the recognised amounts and there is an intentionto settle on a net basis or to realise the asset and settle the liability simultaneously.1Notes to the financial statements for the year ended 31st December 2021P A G E 3 5

Accounting policies (continued)Basic financial assets Basic financial assets, which include debtors and cash and bank balances, are initially measured attransaction price and are subsequently carried at amortised cost. Financial assets classified as receivablewithin one year are not amortised.Financial assets are assessed for indicators of impairment at each reporting end date.Financial assets are impaired where there is objective evidence that the estimated future cash flows havebeen affected. The impairment loss is recognised in the statement of financial activities. Financial assets are derecognised only when the contractual rights to the cash flows from the asset expire orare settled, or when the company transfers the financial asset and substantially all the risks and rewards ofownership to another entity.Basic financial liabilitiesBasic financial liabilities, including creditors, are initially recognised at transaction price, where the debtinstrument is measured at the present value of the future receipts discounted at a market rate of interest.Financial liabilities classified as payable within one year are not amortised. Debt instruments aresubsequently carried at amortised cost.Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary courseof business from suppliers. Amounts payable are classified as current liabilities if payment is due within oneyear or less. If not, they are presented as non-current liabilities. Financial liabilities are derecognised when the company’s contractual obligations expire or are discharged orcancelled.Judgements and key sources of estimation uncertainty In the application of the Charity’s accounting policies, the Trustees are required to make judgements, estimates and assumptions about the carrying amounts of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from theseestimates. The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects bothcurrent and future periods. Key assumptions, judgements and estimates In the opinion of the Trustees, there have been no significant judgements made in the process of applyingthe above accounting policies. There have been no key assumptions concerning future and other keysources of estimation uncertainty at the reporting date that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial year.12Notes to the financial statements for the year ended 31st December 2021P A G E 3 6

Staff sponsorshipProject donationsGeneral donationsSpecific donationsSponsored courses--327,467--32,26541,933-8,50013,56832,26541,933327,4678,50013,568 -10,800248,36254,06190,634Unrestrictedfunds £Restrictedfunds £Total2021 £Total2020 £327,467 96,266423,733403,857Total 2020248,242 155,615403,857 Income from donations and legacies34Bank interest receivable 212-2122,488Unrestrictedfunds£Restrictedfunds£Total2021£Total2020£287,200 Income from investments212-2122,488 Total 20202,488-2,488 5Course feesOther charitable activities350,37013,530--350,37013,530152,36710,313Unrestrictedfunds£Restrictedfunds£Total2021£Total2020£ Income from charitable activities363,900- 363,900 162,680 Total 2020162,680 -162,680 Notes to the financial statements for the year ended 31st December 2021P A G E 3 7

6CJRS income 135,449-135,449243,243Unrestrictedfunds£Restrictedfunds£Total2021£Total2020£ Other income135,449-135,449243,243 Total 2020243,243-243,243 7TelephoneDirect fundraising costsStaff costs4954,05537,104---4954,05537,1044663,36228,698Unrestrictedfunds£Restrictedfunds£Total2021£Total2020£ Expenditure on raising funds41,654-41,65432,526 Total 202032,526 32,526 Notes to the financial statements for the year ended 31st December 2021P A G E 3 8-

Goods for resaleRates and waterLight and heatRepairs and maintenanceInsuranceMotor vehicle expensesTelephoneProvisions and householdSundry expensesOutdoor equipmentStaff trainingAdvertising and sponsorshipBank chargesPrinting, post and stationeryFreelance instructors feesAudit and professional feesEntry feesSubscriptionsIndemnity insuranceWages and salariesNational insurancePension costDepreciation5,2061,52227,23236,61314,52314,9561,98152,5967,0714,6258,3113,0432,08423,64626,2486,9341,2223,5831,012460,87926,36925,322115,954 -----333--29,164----------61,2553,5053,365- 5,2061,52227,23236,61314,52315,2891,98152,59636,2354,6258,3113,0432,08423,64626,2486,9341,2223,5831,012522,13429,87428,687115,954 1,7201,12926,22819,48416,5339,4921,86228,66019,5872,7774,0364,2841,86712,3012,0057,3441771,9131,012526,89337,84629,219127,207Unrestricted £Restricted £Total2021 £Total2020 £870,932 97,622968,554883,576Total 2020835,63647,940883,576 Expenditure on charitable activities8Support costs are allocated entirely to charitable activities in both the current and prior period.Notes to the financial statements for the year ended 31st December 2021P A G E 3 9

Net income is stated after charging: Staff pension contributionsAuditors' remuneration - audit of the financial statementsDepreciation of tangible assets - owned by the Charity 30,379 5,250 115,954 30,515 5,100 127,2072021 £2020 £ Net income/(expenditure)910Wages and salariesSocial security costsPension costs547,16540,25530,379551,95940,18230,515 2021£ 2020£ Analysis of staff costs, trustee remuneration and the cost of key management personnelTotal staff costs were as follows617,799622,656 Administrative staffTutorial staffMaintenance staffCatering and domestic staff91317913172021No.2020No. Particulars of employees:The average number of employees during the year, calculated on the basis of full-time equivalents,was as follows: 3030 Fund transfersDuring the current and prior year certain restricted income funds saw expenditure incurred in excess ofthe income received and transfers of £271 were made from unrestricted funds in order to cover suchshortfalls.A transfer is also made annually in respect of unrestricted depreciation charges in the year which relateto restricted asset funds £122,093.Further details of fund transfers are included in Note 20.11Notes to the financial statements for the year ended 31st December 2021P A G E 4 0

Analysis of staff costs, trustee remuneration and the cost of key management personnel (continued)No employee received remuneration of more than £60,000 during the current or prior year. The total amount of employee benefits received by key management personnel, as determined by theCharity, is £180,379 (2020: £159,816) during the current period. The Charity operates a defined contribution pension scheme. The contributions paid into the schemein respect of eligible employees for the year ended 31 December 2021 amounted to £30,379 (2020:£30,515). No Trustees received any remuneration during the current or prior period. No Trustee received anyexpenses for their role as Trustees in the current or prior period.Tangible fixed assets 1112CostAt 1 January 2021AdditionsDisposalsAt 31 December 202176,456-- 76,456217,35262,830- 280,182593,868-- 593,868 5,072,61662,830- 5,135,446Leasehold Property£MotorVehicles& trailers£FixturesFittings &equipment£Totals£ 4,184,940-- 4,184,940FreeholdProperty£DepreciationAt 1 January 2021Charge for the yearEliminated on disposalAt 31 December 202144,6073,058- 47,665164,08015,935- 180,015580,60613,262- 593,868 1,765,010115,954- 1,880,964 975,71783,699- 1,059,416Net book valueAt 31 December 2021At 31 December 2020 28,791 31,849 100,167 53,272 - 13,262 3,254,482 3,307,606 3,125,524 3,209,223The freehold at Bendrigg Lodge was transferred from the Mary Kinross Trust on 12 March 1985 as agift. The freehold is not included in the financial statements as an asset but has a substantial marketvalue.The freehold at Fell End was transferred from the trustees of Kirkbie Kendal School on the 7th July1999 for the sum of £100. This freehold is not included in the financial statements as an asset andhas a limited market value. Notes to the financial statements for the year ended 31st December 2021P A G E 4 1

Trade debtorsOther debtorsPrepaymentsVAT recoverable4,100-3,9824,864 12,9461,54425,8672,949- 30,3602021£2020£ Debtors1322,788-250,0002,5625,569145,900 426,8194,19521,647-3555,419107,800 139,4162021£2020£ Creditors: Amounts falling due within one yearTrade creditorsTaxation and social securityBank loanOther creditorsAccrualsDeferred income Note 16139,21887,467(80,785) 145,900102,802103,331(66,915) 139,2182021£2020£Deferred incomeBalance brought forwardCourse fees received in advanceRelease of deferred income1416Notes to the financial statements for the year ended 31st December 2021- -31,418 31,4182021£2020£Creditors: Amounts falling due after more than one yearDeferred income Note 1615 Tangible fixed assets (continued)The freehold property reported above, have a net book value of £3,125,524, relates to thecapitalised cost of property developments (including Acorn House) that have taken place on theBendrigg site subsequent to the original gift of Bendrigg Lodge.A 25 year lease on Greenslack was agreed in April 2006 and this is the only leasehold held by theTrust.P A G E 4 212

17Restricted fundsRestricted funds income 18Restricted funds capitalTotal funds(97,622)- (97,622)(62,561)(60,917) (123,478) 73,9713,176,817 3,250,788Income £ Expenditure £ Transfers £At 31December 2021 £ 137,8883,237,734 3,375,622At 1 January2021 £ Restricted capital funds are made up of incoming resources given specifically to acquire fixed assets, asreduced over the useful economic life of those assets in line with thier depreciation £3,176,817 (2020:£3,237,734).Restricted funds: Current yearRestricted fundsRestricted funds income 18Restricted funds capitalTotal funds155,615- 155,615(47,940)- (47,940)(23,667)(87,810)- (111,477) 137,8883,237,734 3,375,622Income £ Expenditure £ Transfers £At 31December 2020 £ 53,8803,325,544 3,379,424At 1 January2020 £ Restricted funds: Prior yearNotes to the financial statements for the year ended 31st December 2021Note 96,266- 96,266P A G E 4 3

18Climbing clubSponsored CoursesOutdoor EquipmentDisability AidsSensory RoomMinibusTrainee CoordinatorTrainee - TrainingFamily RoomsHardship FundHidden Disabilities ProjectFundraising DatabaseRenewable Energy StudyRestricted income funds13,10213,5683,500--8,50030,2652,000--11,2062,50011,625 96,266(4,342)(50,170)(8,124)(183)-(333)(13,654)(1,040)(3,925)(646)(1,080)(2,500)(11,625) (97,622)-----(62,561)------- (62,561) 8,76035,5041,450-560-16,611960--10,126-- 73,971Income£ Expenditure£ Transfers£At 31December 2021£ -72,1066,07418356054,394--3,925646--- 137,888At 1 January2021£ Restricted income funds: Current yearClimbing ClubFundraising & Marketing PostSponsored CoursesOutdoor EquipmentStaff ClothesDisability AidsSensory RoomMinibusTrainee CoordinatorScottish Power FoundationFamily RoomsHardship FundRestricted income funds--90,6342,500120--54,061--5,8002,500 155,615(165)(1,432)(38,353)(2,207)(100)---(1,954)-(1,875)(1,854) (47,940) (4,287)-828(4,453)(20)---(14,907)(828)-- (23,667) --72,1066,074-18356054,394--3,925646 137,888Income£ Expenditure£ Transfers£At 31December 2020£ 4,4521,43218,99710,234-18356033316,861828-- 53,880At 1 January2020£ Restricted funds: Prior yearNotes to the financial statements for the year ended 31st December 2021P A G E 4 4

Restricted income funds (continued)Climbing Club: funds used to support an inclusive climbing club which allows teenagers of all abilitiesto learn to climb in a safe, supported and fun environment.Fundraising and Marketing Post: supports the cost of our Senior Fundraising & Marketing Officer tooversee the voluntary income generation of the charity. Sponsored Courses: enables bursaries to be given to some groups who without it would not be ableto afford to come to Bendrigg.Outdoor Equipment: enables specific pieces of equipment to be purchased.Disability Aids: enables specific disability aids to be purchased.Sensory Room: funding received enabled the sensory room to be upgraded.Minibus: to provide for a new minibus.Trainee Co-ordinator: to fund a post which supervises the work and the development of traineetutors.Trainee - Training: to support training courses for our trainee tutors. Family Rooms: funding received to enable some bedrooms to be used as family living space.Hardship Fund: funding received to top-up staff salaries when required.Hidden Disability Project: funding to create 15 social story books and videos aimed at people withautistic spectrum disorder and other hidden disabilities.Fundraising Database: grant received to cover the cost of installing a new fundraising database.Renewable Energy: grant received to undertake a Renewable Energy Feasibility Study on theBendrigg site.Scottish Power Foundation: to fund specific activities around our 'Adventure For All' programmeincluding sponsorship funds, creating funding resources for visitors and showcasing our work throughinspirational films. 18Notes to the financial statements for the year ended 31st December 2021P A G E 4 5

19General FundsUnrestricted funds 827,028 827,028 (912,586) (912,586) 123,478 123,478 422,975 422,975Income£ Expenditure£ Transfers£At 31December 2021£ 385,055 385,055At 1 January2021£Unrestricted income funds: Current yearDesignated FundsDesignated FundsGeneral FundsUnrestricted funds- 656,653 656,653- (868,162) (868,162)- 111,477 111,477 - 385,055 385,055Income£ Expenditure£ Transfers£At 31December 2020£ - 485,087 485,087At 1 January2020£Unrestricted income funds: Prior yearNotes to the financial statements for the year ended 31st December 2021P A G E 4 6

21Restricted fundsGeneral fundsTotal funds3,176,817 77,665 3,254,482- (402,762) (402,762)- - -3,250,788 422,975 3,673,763Tangiblefixed assets£Net currentassets excl.cash£Long term liabilities£Total£ Analysis of net assets between funds: Current year Restricted fundsDesignated fundsGeneral fundsTotal funds3,236,078-71,528 3,307,606--(101,775) (101,775)--(31,418) (31,418)3,375,622-385,055 3,760,677Tangiblefixed assets£Net currentassets excl.cash£Long term liabilities£Total£ Analysis of net assets between funds: Prior year Notes to the financial statements for the year ended 31st December 202120 Analysis of fund transfersTransfers to cover shortfalls on fundsAnnual transfer in respect of restricted fixed asset fundsTotal transfers (271)123,749 123,478Total£73,971 748,072 822,043 Cash£139,544-446,720 586,264 Cash£22 Operating lease commitmentsAt 31 December 2021, the total of the Charity's future minimum lease payments under non-cancellable operating leases was:Amounts payable:Within 1 yearBetween 1 and 5 years2021 20207883,743189-4,531189P A G E 4 7

23 Contingencies Notes to the financial statements for the year ended 31st December 2021The charity received lottery grants totalling £243,364 during the financial years 1999 and 2000 tofund the development of improvements to the accommodation in Bendrigg Lodge and also a grant of£200,000 between 2007 and 2008 towards the construction of the Kinross Building. The charity maynot dispose of these buildings without prior written permission of the lottery board, nor use thebuildings as security for a loan. This restriction shall be in force for 80 years from the date of thegrants. 24 Control and related party transactionsThe charity was under the control of the Board of Trustees who are also directors for the purposes ofcompany law in both the current and prior period.The charity has a very close relationship with The Bendrigg Support Trust. The Support Trust wasestablished for the purpose of supporting the work of the Bendrigg Trust. A revenue grant of£20,000 (2020: £nil) was received during the year. Mr J Holmes, Mr T Lowe and Miss R Hodgson,Trustees, are also Trustees of the Bendrigg Support Trust along with an independent trustee, Mr RBrownson.The charity also has a close relationship with The Mary Kinross Charitable Trust through aninfluential member who is also on the Bendrigg Alternative Committee. Total grants received duringthe year total £50,000 (2020: £34,300): permission continues to be given to use these towardsgeneral expenses of the charity.During the year the charity incurred costs of £1,110 (2020: £1,012) relating to indemnity insurancefor the trustees.There were no outstanding balances with related parties at 31 December 2021 or 31 December2020.26 Company Limited by guaranteeThe company is limited by guarantee. In event of the company being wound up or dissolved, eachmember undertakes to contribute such amounts as is required, not exceeding £5, for payment ofany debts or liabilities. P A G E 4 825 Subsequent eventsAfter the balance sheet date, but before the approval of the accounts, the Charity was notified of asuccessful claim on its insurance for business interruption during the Covid-19 pandemic in 2020. Areceipt is expected of approximately £228,700 to cover the shortfall in income due to the impact ofrestrictions.

Registered Charity name: Bendrigg TrustCharity Registration number: 508450Company Registration number: 01396557Registered office: Bendrigg Lodge, Old Hutton, Kendal LA8 0NRR E F E R E N C E S A N DA D M I N I S T R A T I V E D E T A I L SC o m p a n y S e c r e t a r y : N i c h o l a s L i l e yP a t r o n s :S i r C h r i s B o n i n g t o n C V O C B E D LC l a i r e H e n s m a n , L o r d L i e u t e n a n t o f C u m b r i aJ a m i e A n d r e wK a r e n D a r k eR a c h a e l H o d g s o n , C h a i r m a nA d r i a n W a l t e r , V i c e C h a i r m a nK i m P a r r y L V O , T r e a s u r e rK a y F o s t e r ( a p p o i n t e d 2 8 J a n u a r y 2 0 2 1 )C l a r e M i l l i n g t o n ( r e s i g n e d 2 7 M a y 2 0 2 1 )S h e l a g h M c G r e g o rJ e r e m y P r a l l ( a p p o i n t e d 2 8 J a n u a r y 2 0 2 1 )Auditor:MHA Moore & Smalley, Priory Close, St Mary's Gate, Lancaster, Lancashire, LA1 1XBBankers:National Westminster Bank, 10 Elephant Yard, Kendal, Cumbria LA9 4LZCOIF Charity Funds, CCLA, Senator House, 85 Queen Victoria Street, London, EC4V 4ETT r u s t e e s :T h e T r u s t e e s w h o s e r v e d t h e c o m p a n y d u r i n g t h e p e r i o d w e r e a sf o l l o w s :J u d y R a y n e rJ o h n H o l m e s M B EB r i a n M c D o n o u g hP e t e r B a t e sT o m H i b b e r tA n n e F l e c kT i m L o w eP A G E 4 9 Support Us

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