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2024-12-31-accounts

THE PARISH OF SAINT DUNSTAN WITH HOLY ANGELS, CRANFORD ANNUAL REPORT AND STATEMENT OF ACCOUNTS klSTrS,SACERDOS f£ PREGOUS EJLOOD CHRISTOU12 PASSOVER , IS SAC121FICED FOR US THE12EFOt2E LETUS KEEPI-HE FEAST lN￿TERNVm FOR THE YEAR ENDING 31" DECEMBER 2024

ADMINISTRATIVE INFORMATION St Dunstan's Church is situated in Cranford Park. The parish is part of the Diocese of London within the Church of England. The correspondence address is: The Rectory, 34 High Street, Cranford, Hounslow, TW5 9RG. The Parochial Church Council (PCC) is a registered charity.. number 1133842 PCC members who have served from l January 2024 until the date of this report was approved are: chainna￿. The Rector: Father Michael Gill SSC Vice-chairni Mr HoW￿d Mason Churchwardens: Mr Howard Mason Mrs Thandi Lopes Deanery Synod: Mrs Thandi Lopes Elected members: Mrs Barbara Scorer Mrs Lyn Streather Mrs Gwendoline Strugnell PCC Secretary: Mrs Lyn Streather Treasurer: Mrs Barbara Scorer Electoral Roll: Mrs Lyn Streather STRUCTURE, GOVERNANCE AND MANAGEMENr The Parochial Church Council is a body corporate established by the Church of England. The PCC operates under the Parochial Church Council Powers MeaS￿e. The method of appointment of PCC members is set out in the Church Representation Rules. All Church attendees are encouraged to register on the Electoral Roll and stand for election to the PCC PUBLIC BENEFIT The membeTS of the PCC axe aware of the Charity Collunission guidance on public benefit in"The AdvaLicement of Religion for the Public Benefit" and have had regard to it in their administration of the PCC. The PCC believes

that by promoting the work of the Thurch of Ensland in the parish of Cranford it provides a benefit to the public by. Providing a facilities for public worship and pastoral care both for its members and for anyone who wishes to benefit from what the Church can offer. and promoting Christian values and service by members of the Church in and to their conununities, to the benefit of individuals and society as a whole. ELEcfoRAL ROLL At the APCM in 2024, membership stood at 24 parishioners with 10 residing outside the parish. A new roll is being prepared and will be presented at the 2025 APCM. HOUSE OF BISHOPS, DECLARATION ON THE MINISTRY OF BISHOPS AND PRIESTS The parish has passed a resolution under the above heading which means: We have comrnitted this parish to sharing in Christ's mission in the diocese of London and in the Kensington Episcopal Area. We have ensured that the episcopal and priestly ministry in the parish can be received by all. We are maintaining the unity of the paris We have sought sacramental and pastoral ministry from a bishop with whom &ll of us are in full conununÉon. We are continuins to contribute to sustaining breadth and diversity in the Church of Ensland and in the diocese of London and in the Kensington Episcopal Area. We can enable this parish to flourish within the Church of England. REVIEW OF THE YEAR The full PCC met six times during the year with an average level of attendance of 99 per cent. Worship Mass was Off￿ed daily apart from on a Thursday which is the Rector's day off. Solem Evensong & Benediction took place at St Dunstan's on the first Sunday of each month {apart from October) at 3pni The Bishop of Fulham visited on March 17 to preside at Mass. It also happened to be the 15 anniversary of Fr Michael's induction which wasn't reajised when the date was arranged. Fr Michael was keeping it quiet but it leaked out. He was very grateful and extremely moved by kind things that were said. A service of Readings and Carols for Advent was held on Advent Sunday. This was followed by Benediction.

A shorter version of the service of Lessons and Carols was held in church in preparation for Christmas. It had been planned to hold a service outside but as the weather was so cold it was transfened indoors, much to the relief of many. The local bellringers Tang before Mass on various Sundays. It wasn't possible to join with the priest and people of Our Lady and St Christopherfs for Stations OE the Qoss during Lent owing to building problems in that church. Instead the devotion took place on Saturday mornings at 10am in St Dunstan's inmiediately prior to the celebration of Mass. A memorial seThrice was held in January for Mrs Susan Horner who was a resident of Toronto. Some years ago Fr Michael happened to be sitting next to Mr and Mrs Homer while having lunch in Heathrow Tern]inal 5 and they kept in touch fvorn that time. Susan's husband Richard asked if they could have a service in St Dunstan's. This took place in March and was attended by family members from Toronto, Salisbury and other parts of the country. Thanks to the kindness of the staff of the London Borough of Hillingdon who look after Cranford Park, we were able to hold evening Masses on important feast days in St Dunstan's. In the past such feasts have been observed in Holy Angels but it means that we can now have full suns celebrations so that those who work during the day are able to be present. The help of Hillingdon is very much appreciated. Easter attendance • 30 (23 in 2023) C1￿15{maS attendance (22 in 2023) Baptisms One child was baptised. Weddings No weddings took place in church. Funerals For the first time in what must have been several decades (if not centuries) there were no funerals held in church. Local undertakers report a large 8rowth in funerals taken by humanists or other civil celebrants. Relentless advertisins by firms such as "Pure Cremation" have also impacted as well as the demographic of the p￿ISh. There was one funeral where the whole service took Pla￿ at a crematorium. There was one burial of cremated remains in the churchyard.

Music in the liturgy The system that we have developed ourselves continues to work really well and to be extremely effective. In spite of everything being downloaded in advance, there is still a wonderful sense of devotion as a result of the music. Ecumenis Fr John Tabor from Our Lady and St Christopherfs and Fr Michael led the annual senrice at the War Memorial on Remembrance Sunday. )me of Fr John's servers were robed and in attendance along with members of both parishes along with other people from the cornmunity and local police and politicians. The wider Ch￿Ch Fr Michael and parishioners attended the Bishop of Fulham's Chrism Mass on the'l'uesday in Holy Week. Fr Michael met with other Fulham clergy from northwest and west London at St Mary's South Ruislip in February when the Bishop of London carne to visit on her third stop that day on a tour of Fulham parishes. She later told the bishop of FuIham that he had some wonderful clergy. Masses celebrated by Fr Leslie Drake SSC, Fr Nicholas Wheeler SSC, Fr Stephen Brown SSC and Fr Josiah Abadoo SSC when Fr Michael took his holiday. Fr Michael provided cover for St Mary's Hayes. FT Micha¢l was re-elected to serve on London Diocesan Synod for a further triennium. Fr Michael's annual visit to the Isle of Wight included saying Mass at St Saviour on the Cliffs in Shanklin. A new parish priest had been installed for the parishes of the Society but had to be on the mainland for a funeral on the Wednesday so asked Fr Michael to say the Mass for him. The two priests were able to meet up for dinner one evening. The parishes were very grateful indeed for prayerful support. Mass was offered by Fr Michael for the parish in the Holy House of Our Lady of Walsingham on his annual visit in October. Fr MichaeI met with the Hayes clergy where it was agreed that we should aim to work more closely together to support each other. The two main Hayes parishes and Cranford are all Fulham parishes and all four clergy are priests of The Society of die Holy Cross. School links Fr Michael was involved in the music for The Cedars School summer musical production of The Wizard of Oz" and the annual Christmas celebration. The children were as Magnificent as ever. A new headteacher had arrived in the autumn and so the Christmas event was the first time she had experienced the musical prowess of The Cedars. Classes fronk Cranford Primary School visited the church in fvlay.

Outreach in the cornmunity Refreshments were offeTed on days when the Friends of Cranford Park were holding events. Fr Michael's weekly trips to Tescos continued to provide many opportunities for pastoral care to staff and shoppers. For the first time for many years a Christtnas tree was placed right on Bath Road in Cranford, once Transport for London had been paid over £160 for it to so on a small area of grass. Fr Michael was invited to attend the "switchins on of the lights,. The tree was blessed, carols were sung and Fr Michael pronounced God's blessing prior to the serving of mulled wine and mine pies. It was good to have Seema Malhotra MP in attendance. The organiser was disappointed by the small size of the tree but the event was very much appreciated by those who were there and it was an act of cI￿ls￿an witness in a P￿ISh where Christians are in the minority. Miscellaneous visits A group of people visited St Dunstan's in March as part of a tour of churches in the London Boroush of Hillingdon to look at stsined glass windows. At present there are no advertised times when St Dunstan's is open for visitors. The church is usually open between the end of Mass and the start of Benediction on the first Sunday of each month. However on both websites it is made clear that should anyone wish to come to St Dunstan's and look round then arrangements can be made if they get in touch. It is wonderful to record that a few people have contacted the parish and visits have been arranged which have been 8Teatly appreciated. IN MEMORIAM Of your ch￿lty, please pray for the repose of the soul of Lillian Streather who died on November 14 AppoIwfMENf OF A NEW BISHOP OF RICHBOROUGH Towards the end of 2024 it was announced that His Majesty the King had approved the nomination of Fr Luke Irvine-capel SSC, currently the Archdeacon of Chichester, to the See of Richborough with pastoral and sacramental oversight for Society parishes in the eastern half of the southern province of the Church of England. The Ordination and Consecration was due to take place in Canterbury Cathedral on February 2P 2025. Fr Luke was Fr Michael's predecessor as Rector of Cranford. Both the parish and FT Michael are delighted and proud that this has happened. Four of the Isle 0£ Wight patishes will be under his episcopacy which means the each year St Saviouf s will have a visit not only from the current Rector of Cranford but from the previous one as well!

FABRIC REPORT Churchyard We must give heart-felt thanks to the members OE the congregation and the local community who have contributed in many ways this year to make the churchyard look so beautiful. The contractors were back on regular srass cutting in summer, which has allowed us to focus on other tasks. We had a tree inspection by Steven Fake, who identified a number of jobs that the PCC agreed were safety-rdated and needed completiorL Then in early winter a tree by the boundary wall and adjacent to the park's path was uprooted due to ivy overgrowth, and was only beins supported by branches of a neighbouring tree. These tasks will all have been completed by the start of 2025. The conjunction of the ri8ht-hand base plate and upiight of the lych sate has suffered an assressive attack of wood rot during the year. De.spite resular treatment with professional grade Lignum D156 a significant amount of wood has been lost, but currently the rot appears to have been stopped. The church We have a mixture of new and old electrical wixingy which needs inspection and certification Fvery three years. Our electricians completed all the necessary testing and repairs as well as renewing all the heaters in the nave. However, almost inunediately we suffered a loss of one of the three electricity phases. This was traced to an external problem that will likely re-occur as we are the only end-usei on an asinsoverhead supply that passes through trees bordering the M4. The problem needed to be resolved by two teams from the electricity supply company, but only after our electricxan had proved the fault was external to the church. One of the Quinquennial recommendations was treating the east and south doors with Danish oil to preserve them. Half of the outside of the east door needed re-staining before oiling. Danish oil has been applied to the insides of both doors and also to the woodwoTk of the choii balcony. Work on the extemal south door WIEI be needed. Continued waxing and polishing of the nave flooring has Ied to no evidence ot new attacks of wood boring beetles in this floor. A number of other relatively minor Quinquennial recommendations are in progress. Fairly regular low and high level cleaning (to the extent of OUT ladder) of the internal church and its monuments was carried out on most Saturdays, which also allowed us to be open to visitors. The most important necessary task continues to be the most difficult to progress, namely issues with the roof and espeaally the chancel roof.. This needs to be undertaken by a competent fir￿ given the nature 0£ this roof. The staining of the chancel ceiling and water ingress around the dormer window in 2024 highlighted the urgent need for remedial action, but moss growth on several of the Toofs is also a problem. A number of companies invited to quote for this showed little competency or interest in undertaking the task. However, two companies made several visits to the ch￿ch and appe￿ed keen to do the work and one of the companies produced an initial

quotation for the work. However, both companies then failed to respond to follow-up emails and phone calls. We are urgently exploring a number of avenues to get this work done. Howard Mason, Churchwarden FINANCIAL REPORT 2024 was another financially stable year for the parish and one in which we continued to have financial responsibility for St Dunstan's Church and Churchyard only. The Diocese of London continues to finance all expenditure relating to the Holy Angels, complex. In summer 2024 some volunteers led by Chris Andrews and our church warden, Howard Mason, began some sisnificant improvement work in the churchyard, other than srass cutting which we pay for. After some nesative comments on social media it was explain(￿ that the church members alone were responsible for the upkeep of the churchyard and not the Church of England, as was a common perception. Throughout the year from March to October we pay a gardentns company around £470 per cut about every six weeks. This social media exposure resulted in several people deciding to donate tOW￿dS the upkeep of the churchyard and we are very thankful to those who made one off donations and those who set up regular standing orders to enable us to keep the churchyard in good order. In September we purchased a card reader which operates via mobile phones. It wqs first used for the Heritage Open Day and gives another option for donations to be made. Income We received a legacy of £50,000 from the estate of Sandra Lawrence in October and after interest accumulated the total amounted to £52,145.41. Sandra's wishes were that'the capital and income from the legacy be used for the repair, maintenance and improvement of St Dunstan's church building. We are very thanl(ful to Sandra for her generosity to the parish. As always the p￿lSh is very grateful for all donations made to the churcty either by standing order to our bank, via the gift aid envelope scheme or by cash, cheque or card in the church plate. Our total income for 2024 (excludins the legacy) is a3,241 which is £545 less than last year. However, due to issues with our very old church laptop and HMRC needing a more up to date Windows operating system in order to process the tax reclaim forni I was unable to submit the claim for 2023 before the end of the year. This claim will now be processed with the 2024 claim and will appear in that yearfs accounts. Last year our tax recoverable was Q122 and l expect the amount for 2023 to be comparable. Expenditure The totaL expenditure for 2024 was £18,104 which is £4,296 more than last year. This is mainly caused by rising utility costs and some major electiical repairs which w￿e undertaken.

Many thanks are due again to the churchwarden and others who have maintained and repaired the building and the churchy￿d during the year thus keeping our costs down as much as possible. Deficit We finished the year with a deficit of £4,853 which would have been lower with the tax recoverable. Outlook for 2025 The PCC constsntly reviews its spending and is conunitted to economising where possible. We are due to undertake some major work on the church roof once quotations are accepted and we intend to use the legacy for this work. The PCC made a decision to increase our Conunon Fund offer for 2025 by £500 to £3,500 but this is only a small fraction of the costs associated with a parish of our size. Thank you This will be the last year that Philip Dean will be carrying out an independent examination of our parish accounts in line with the Church of England regulations and requirements. Philip has carried out this work for all of the time that I have been treasurer (since 2015), for the seven years that Bina Eipe was treasurer and £or a couple of years with Pat Drin￿ater as treasurer before that. On behalf of the parish I want to thank Philip for his expertise in carryins out his annual examinations for us and wish him every blessins in his retirement. Personally, I want to thank Phijip for his understandin& guidance and support for me during the time in which I have been treasurer. Reserves Policy It is the policy of the PCC to maintain a balance on unrestricted funds (if possible) which equates to at least three months unrestricted payments, equivalent to £18,000.00. This policy will be reviewed annually. Barbara Scorer, Treasurer SAFEGUARDING In accordance with the Church of England Safeguardins Policy our church is committed to: Promoting a safer environment and culture. Safely recruiting and supporting all those with any responsibility related to childreni young people and vuInerable adults within the church. Respondins promptly to every safeguarding concern or allegation. Caring pastorally for victims/survivors of abuse and other affected persons. Caring pastorally for those who are the subiect of concerns or allegations of abuse and other affected persons.

Responding to those that may pose a present risk to others. The Parish will: Create a safe and caring place for all. Have a named Parish Safesuarding Officer (PSO) to work with the incumbent and the PCC to implement policy and procedures. Safely recruit, train and support all those with any responsibility for children, youns people and adults to have the confidence and skills to Tecoy)ise and respond to abuse. Ensure that there is appTopriate insurance cover for all activities involving children and adults widertaken in the name of the parish. Display in church premises and on the Parish website the details of who to contact rf Ihere are safeguarding concerns or support needs. Listen to and take seriously all those who disclose abuse. Take steps to protect children and adults when a safeguarding concern of any kind arises, following House of Bishops guidance, including notifyins the Diocesan Safeguarding Adviser (DSA) and statutory agencies immediately. Offer support to victims/survivors of abuse regardless of the type of abuse, when or where it occurred. Care for and monitor any member of the church community who may pose a risk to children and adults whilst niaintaining appropriate confidentiality and the safety of all parties. Ensure ffjat health and safety policy, procedures and risk assessments are in place and that these are reviewed annually. Review the implementation of the Safesuardins Policy, Procedures and Practices at least annually. Each person who works within this church community will asree to abide by this policy and the guidelines established by this church. Approved by the Parochial Church Council and sisned on their behalf by 'kd IV C￿."￿ 2L)IS 10

INDEPENDEIYT EXAMINER'S REPORT TO THE TRUSTEE MEMBERS OF THE PCC OF THE PIlRISH OF ST￿U￿sTAN,s wrrH HOLY ANGEL& CRANFORD I report on the accounts for the period ended 31" December 2024 set out on pages 12 to 15. Respective respollstbilities of trnstses and examiner The chaTity's trustees are responsible for the preparation of the accounts. The charitys trustees consider that an audit is not required for this year uad¢r section 144 of the Charities Act 2011 (the Charities Act) and that an independent examination is required. It is my responsibility to: examine the accounts under Section 145 of the Charities Act, and the Church Accounting Regulations 2006(C.A.R.) to follow the procedures laid dowT in the General Directions given by the Cbarity Cornmission (under Section 145(5)(b) of the Clwities Act)" and to State whether particular matters have come to my attention. Basis of the independent examiner's report My examination was carried out in accordance with the General Directions given by the Ch￿lty Commission. An examination includes a review of the accountillg re¢ords kept by the charity and a compatison of the accounts presentcd with thos¢ records. It also inLludes' consideration of any unusual ilems or disclosures in the accounts, and seeking explanations from you as truslees concerning any such matteTS. The Procedures undertaken do not provide all the evidence that would be required in an audiL and consequently no opinion is given as to whether the accounts present a 'true and fair view ' and the TCPQrt is limited to those matters set out in the statements below. llldependeDt examiner's ststement In connection with my exarnindtion, no matter has come to my attention.. (l) which gives me reasonable cause to believe that, in any material respect, the requirements to keep accounting records in accordance with Section l 30 of the Charities Act; and to prepare accounts wbich accord with the accounting records and to comply with the accounting requirements of the Charities Act have not been met. or (2) to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached. P Dean. F.C.I.E 7 Stirling Close Uxbridge Middx LFB8 2BA Date: 2￿ March 2025 Page 11

st Dunstans with Holy Angels (PCC of Cranford) - 1133842 Statement of Financial Activities For the period from 01 January 2024 to 31 December 2024 UnrestiictÈd funds R8strictod Endownwnt funds funds Total funds Prforyear totsl funds Ini>)rnit)g resources from generated funds Voluntary income Activities for generating fund$ Investment income Othgr incomillg resources 63.712.28 410.00 1.026.13 238.35 63.712.28 410.00 1.026.13 238.35 12,429.70 554.00 Totsl income 65.386.76 65,386.76 13,786.32 Resources used Cost of generating funds Inveslment management costs Charitsblfr adrvities Goveman(% costs Othèr resources used 17,345.07 758.99 17,345.07 758.99 13,035.61 772.99 Totsl expendlture Gains I losses on Invesknenl assets 18,104.08 (185.761 18,104.06 13.808.60 1185.781 331.20 Not income l {expenditUTe) resour￿3 tsfore transfer 47,096.94 47,096.94 308.92 rransfers Gro¥$ transfers betr*en funds- in Gloss tran5fors be￿￿en fvnds- out 52,145.41 52.145.41 <62,145.411 152,145.41) Otherrncognlsedgalns/losses G4ifts on revaluation. fLxed assets, chartys own use Net movement In funits 15,048A7) 62,145.41 47.096.94 308.92 Recon¢lllatlon of funds Total fundg brought forward 51,144.98 15,619.13 66,764.11 66.455.19 Total funds carrled foThMrd 46,096.51 67,764.S4 113.861.05 66.764.11 12

St Dunstans with Holy Angels (PCC of Cranford) - 1133842 Balance Sheet detalled Asat 3111212024 Asat 3111212023 Fixed assets 6401: Fixture5 and Fittings 6603: Royal Dutch Shelllformerty Shell Tran5PO 3,516.48 3.702.24 Totsl Flxed assets 3,516.48 170124 Current assets 6701: 8aTclays Bank- Community Acc*1...5494 82,717.09 35.797.89 6702.. Barclays Bank-Postal A¢Lrt1...9514) 6706.. CBF DeposttFund 6707.. St Dunstans 8ellringers- NS&I 18,188.14 11,304.00 1,782.18 15,918.32 11,304.Ch) 1,768.50 Totsl Current assets 111,991.41 64,788,71 Llabilitie8 6699.. Ag8nGy collections 6700: Sundry Creditors 1,646.84 f,726.84 Total Llabllltles 1,646.84 1,726.84 Not A5Sgt surplus Idetlclt) 113,861.06 66.764.11 Reserves Excess l (deflclti to dats Z01: Startin9 balan￿8 Z02: Other gainsl{losses) 47.282.70 66,764.11 {185.761 {22.28) 66,455.19 331.20 Total R8g•Fve9 113,861.05 Represented by Funds UnrestTiCted Designated Restricted 43.591.80 2,504.71 67,764.54 48.454.51 2,690.47 15.619.13 Endowffle Total 113.861.05 66.764.11 13

st Dunstans with Holy Angels (PCC of Cranford} - 1133842 Receipts and payments Selected period: 01 January 2024 to 31 December 2024 From To 01 January 2024 31 December 2024 01 January 2023 31 December 2023 Bellringer- SD Bellringers Fund {Designated) Fund Brought forward balance Total carrfed foThArd balance 1,719.49 1.719A9 1.719.49 1,719.49 Building - St Dunstsns chU￿h RestOAtson (Restricted) Fund Brou9ht forward balance Totsl carried forward balance 15,097.85 15.097.85 15,097.85 15,097.85 Designated - SD Restoration (Dosignatsd) Fund Brought fornard balance Totsl carrièd foThvard balanc• 11.94 11.94 11.94 11.94 Legacy- Sandra Lawrence legacy IRe8trlctsd) Fund Brought fonward balance Transfers toJ(from) Total carrlod lo￿￿rd balance 52,145.41 52,145.41 Rltacooke - Rita ¢o¢)kn Memorial Fund (Designated) Fund Bioughl fo￿ard balance Total earrfèd fonvard IMlanc• General - General fund Iunrestncted) Fund R•c•ipts Incoming resources from generated fvrKIs Voluntaryincome Grfl Aid- Bank Gift Aid- Envelopes other P5anned Giving Loose Plate Colletaions Donations, Appeals etc Tax Re¢overabl8 on Gtft AidlGASDS Legacies received Sundry Colle(aions- Magaxineslcandles 5.575.00 1,039.10 170.1)0 1,689.20 2,956.40 5,440.00 995.70 1.994.20 1,726.80 1122.15 52,145.41 137.17 150.85 Totsl Voluntery income 63,712.28 12,429. 70 Athilies forgenerafrng fvnd$ Fees forWeddingslFunerals 410.00 554.00 rt*8iAcaiwbes TorgengTrting funds 4t0.00 Investmentincome Dividends Bank Interest 184.11 842.02 203.32 599.30 rol81 Jnvestmentincome 1,026. 13 802.62 14

From To 01 January 2024 31 December 2024 01 January 2023 31 December 2023 Note Other incoming resources Mi5 238.35 rt*ai Oth8rincomffho rggourc8S 238 35 Total receipts 65,386.76 13.786.32 Paymèrtts Charilabfe actwibe$ Common Fund- London Diowan Clergy Expenses Insurance Repairs & Maintenan Upkeep of Services Church Running Costs - Utlliues 3.CwJO.¢J) 1.401.95 2,815.70 7.830.10 1.325.00 972.32 3.500.00 2,135.91 2,757.13 2,230.77 1,712.18 699.62 Tot81 Chaiiteble 8CtNits'es 17.345.07 13.035.61 Govemants costs Office - Admin Costs IndepeThJenl Examination Fees 358.99 400.00 372.99 400.00 Totsl GovemanGg ¢0sts 758.g9 772.99 Totsl pAyments 18.104.06 13,808.60 Excess of Incoming resour¢8S ¢)ver Rastsur￿ usod Brought foNard balance Transfers tol{fr¢Jml Total carrled fonwd balance 47,282.70 48,454.51 152,145.41) 43,591.80 {22.281 48,476.79 48.45Q51 ZReval - Revaluation reserves {De8lgnated) Fund Brought foNiard balance Gains & losses 959.04 <185.76) 773.28 627.84 331.20 959.04 Total ¢arrlod k+Mard balanco ZReval- Revaluation reserves (Re3tri¢ted) Fund Brought forniard balaftce Total carrled forward balancg 521.28 521.28 521.28 521.28 15