Company registration number: CEOOI 152 Charity Tegistration numb¢r: 1156377 Victoria's Promise (A company limited by guarantee) Annual Report and Financial Statements for the Year Ended 31 March 2024
Victoria's Promise Contents Trustees, Report I to6 Independent Examiner's Report Statement of Fitmncial Activities 8t09 Balance Sheet 10 Nofrs to the Financial Slalements 11 to 17
Victoria's Promise Trustees, Report The trustees present the annual report logether with the financial statements and auditors, report of the charity for the year ended 31 March 2024. The Trustees have adopted the provisions of Accounting and Reporting by Charities; Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of ITeland (FRS 102} (effective I January 2015). Objectives and activities Mission Ststement The Mission of the Victoria's Promise community is to connect. suppo¢ empower and serve its tribe, so that each individual may flourish through their journey with cancer. Objects and aims Victoria's Promise Supports women through cancer. We are a UK Charity focused on providing personalised support and services for Wome and theiT families, from the moment of their diagnosis, through treatment and beyond. Raising their positivity. reductng their feelings of isolation and fear, help ease any burdens due to their diagnosis and creat¢ as much norniality as possible. Thereby aiding their wellbeing and helping to reduce re0ccuenCe. The vision of Victoria's Promise is a community of young wojnen discovering peace, joy, connection and understanding, as they are supported and empowered through cancer. In the catchment of the Hampshire Hospital Foundation Trust, Victoria's Promise supports women, between the ages of 18 and 50, with specific care provision to meet their emotional, physical and practical needs. This includes, but not limited to, specialist therapies. one-to-one YO8 domestic cleaning, childminding and counselling for her and her immediate family members. We visit each young woman in her home and identity the individual needs that will create a difference and ease their journey through cancer. Their needs may change dependent on any changes to their prognosis and we are there to serve those needs as best we are able, During the last 12 months Victoria's Promise has deepened the support we are offering young women and their families, working to offer a more tailored and individualised care plan. Victoria's Promise has also runs monthly VP Meet ups, to serve the women in the Basingstoke and Winchester areas which are open to any young women diagnosed with cancer at any stage of her journey including after their treatment has finished and feel they will benefit from on-going support. The women find these get togethers very uplifting and a favoured way to meet other young women going through similar cancer treathients and challenges as thernselves who they feel they can really relate to. We aim to open more areas for VP Live Meet Ups and to re introduce VP Connecl which are coffee mornings to introduce 2 or 3 women who are on a similar pathway, 5irnilar lifestyle and live geographically in close proximity. The Victoria's Promise App, continues to fill a much needed gap women diagnosed with cancer throughout the UK enabling them to connect with other women on line. often finding someone who is on the salne treatment and stage as them, or finding someone else who has been diagT]osed with the same, sometimes rare cancer as they have which they find re assuring. We continue to bring this community of young women together to experience a range of infomtIVe and supportive webinars and activities. The App fdises their positivity, and decreases their sense of isolation and fears. Through the App ihe W0en can access the necessary links to the online webinars, workshops, yoga classes. PT classes and virtual ¢off¢¢ mornings. It also offers the means for them lo find oihers who are living near by who they can private message and annge to meet up with. The plan over time is to set up VP Liv¢ Meet Ups in mor¢ and more locations throughout the UK. Page I
Victoria's Promise Trustees, Report Our aim is to build awareness of the VP App, to support the greatest number of young women going through cancer as well as during their recovery period, so that every woman has the opportunity to join this undeT5tanding and supwrtive con]munity. However, whilst we continue to reach more young women, enabling us to give direct support throughout the UK, lack of funding ihis year stifled our ability to rnad(et and create as much awareness of the App as we would wish. Fiona Eastman, cFOunder of vi0a'S Promise, continued in her role as CEO of the charity for the fiscal year ending March 2024. The Tnl¢eS confinn that they have referred to the guidance contained in the Charity Commission's general guidance on public benefrt when reviewing the Tr$t'S aims and objectives and in planning tUre activities and setting the grant making policy for the year. Achievements and performance Charitable and Fundraising activities As a result of the ongoing difficult economic environment and in corntnon with the Majority of the charitable sector, fvnding continued to prove challenging this year. Despite all the efforts of the whole team, incoming resources of £150.088 were 3.5 % below 2023 (£155,696). Charitable expendire in the year of £180,143 was 15.40/0 above 2023 (£156,126). This was the result of additional fundraising ¢xp¢nditure in the year, incued on our contracting specialist fundraising consultant in an attempt to increase incoming funding frorn grants and trusts. This proved Unsuccess1, and the corlsultancy was ended, so ongoing costs were not being incurred. The overall impact of the above was a net reduction in ndS of £30,055. Page 2
Victoria's Promise Trustees, Report Other highlftgbts Include During this financial period (April '23 -march '24), Victoria's Promise supported an increased number of 49 young women and members of their family. All of them received a varying level of in-person support and paid-for services. Thirty percent of thern had one or more family menthers being supported with in-p¢rsoD seTYices. Five ot the wotn¢n died during this period. and seven of the women are still surviving their terniinal prognosis as of 31 st March 2024. With the increase in the number of women we ale supporting versus the decrease in fimding. we rcduccd staffing by one member to lower our outgoings as best we could. 121 CoAsultatioD Every young woman with cancer that Victoria's Promise supports is part of our community. FOT those who are diagnosed or treated within the Hampshire Hospital Foundation Trust, their first interaction with Victoria's Promise would be through a personal one-tOne consultation with our CEO, who ¢oordinates all the care provision and critical support services we offer. Counselling WhiL5t Victoria's Promise has always focused on providing the very best available counselling serviccs to th¢ community of women we support within the Hampshire Hospital Foundation TrusL as well as their immediate family members. Children of different ages cope with their moth¢r having cancer in different ways. Likewise. their partners, husbands, parents. and siblings may suffer and need support. Our counselling services have a direct impact on the young women and their familie5, and we will Continue lo grow and expand OUT reach until il is nationwide. The number of WTomen and members of their family requesting counselling continues to increase. Alternative Tberapies Victoria's Promise has specialist-trained iherapisi ¢ontra¢tors who support our community of women on a one-to-one basis with the aim of helping their overnll wellbeing. Clinical cancer treatments sucb as chemotherapy and radiotherapy have severe side effects, which we aim to help alleviate through spe¢ialists who can advise on ways to relieve skin changes, provide spe¢ialisl massages to reduce lynphedema. aid sleep, reduce atLxiety, support good nutrition, and overall improve wellbeing and recovery. Domestie Cle*nlng We provide a special domestic cleaning service to women who ar¢ currently receiving treatment. One of the biggest strains on women sutyering from the extreme fatigue that often accompanies treatment is tying to jaintsin a good home environment that is conducive lo recovery. We ensure that the cleanliness of the home is onc Icss thing to worry about, allowing the women to relax and rccovcr from their treatments and opeTations. Childminding When needed, we help to providc childminding to cover for linS when the young woman is attendtng appointments, undergoing operations, or receiving inpaticnt cancer treatmenls. In some cases, this support ensures that the husband or partner can conlinue attending work. This is a costly aspect of our seTvices and a strdin on our funding. VP Community One of the trvdill drivers of mental and emotional dislre5s for women be¢w¢¢n the ages of18 and 50 is i501atioJJ and lack of p¢¢r support. Women report nol wanting to burden their families and feeling that friends do not understand what they are going through. As a young woman, it is hard to find and conncct with others who are undcrgoing similar challenges. We have CTeated a community where we bring together the women w¢ ar¢ supporting, both online and offline. through workshops, coffee mornings, yoga classes, personal training classes, online forums. groups, and webinars. We provide high-quality and relevant education and advice in an environment conduciv¢ to pe¢r-to-peer support and wellbeing. Page 3
Victoria's Promise Trustees, Report Finallcial Review Policy on rerVeS Total account reserves at the year-end stood at £11,778 (2023: £41,833). The Trustees maintain reserves at a level which allow5 for plamied growth and unexpected expenditure. The reserves policy is Teviewed annually in line with the outlook of the charity, changes in funding and the expected economic climate. The TrStee5 aim to maintain cash rerVeS to cover three months (2023.. three months) operational expenditure. Cash reserves at the year-end were £37,384. As the financial con)mitments of the charity increase over time the reserves policy will be adjusted accordingly. The Trustees regularly review the fmancial position of the Charity and recognize the significant reduction in the accoullting reserves during the financial p70d. Based on forecast income for the subsequent year (to 31st March 2025) including th¢ Charity's largest fundraising event, the 10th Anniversary Ball, the Trustees were satisfied that the reserves position would improve. Referenee and Administrative Detafls Charity Registratton Number: 1156377 Company Registration Numb¢r: CE001152 Registered Offic¢: 21 Foundry Close Hook Hampshire RG27 9JD Principal Otrice: Landmark House Station Road Hook RG27 9HA Independent Examiner: Woodwhite Accountants Ltd Unit 4 City Limits Danehill Reading Berkshire RG6 4UP Trustees and ole¢r$ The trustees and officers serving during the year and sin¢¢ the year end were as follows: Page 4
Victoria's Promise Trustees, Report TTUStees,' Alexander Eastman Stuart Ross Simon Bower James Buchan Chairnlan: Alexander Eastman Senior Management / Leadership Team: Fiona Eastma CEO Structure? governance and management Nolure ofgovernlng document Governing document The charity is controlled by its governing document, a deed of trust. Constitution The charity is a Charitable Incorporated OTganisation ("CIO") and w&$ Foundation Registered on 26 March 2014. Recrnilment and appolnlment ofirusle Trnstees Trnstees are selecfrd and appointed in line with the charity's governing document. Statement of trustees, responsibilities The trustees (who are also the directors of Victoria's Promise for the purposes of company law) are r¢sponsible for preparing the trustees, report and the fmancial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including FRS 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland Company law requir¢5 the trustees to prepare financial statements for each financial year. Under company law the trustees must not approve the financial statemenls unless they are satisfied that they give a tNe and fair view of the state of affairs of the charitable company and of the incoftning resources and application of resources, including its income and expenditure, of the charitable company for that period. In preparing these financial statements, the trnstees are required to.. select suitable accounting policies and apply them consistently. observe the methods and principles in the Charities SORP. make judgements and estimates that are reasonable and prudent. state whether applicable accounting standards, comprising FRS 102 have been followed, subject to any material deparNres disclosed and explained in the financial statements. and prepare the fjnancial statements on the going concern basis unless it is inappropriate to presume that the charitable company will continue in business. The trustees are responsible for keeping proper accounting records that can disclose with reasonable ac¢urdCy at any time the financial position of the charitable company and enable them to ensure that the financial stalemenls Page 5
Vietoria's Promise Trustees, Report comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charitable company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities. The trustees are responsible for the maintenance and integrity of the corporate and fjnancial IOrn)atiOn included on the charitable company'5 website. Legislation governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictAODS. Disclosure of informatlon to auditor Each trustee has taken steps that they ought to have taken as a tNstee in order to make themselves aware of any relevant audit inforniation and to establish that the charity's auditor is aware of that inforniation. The trustees confirni that there is no relevant infonnation that they know of and of which they know the auditor is UDaware. The annual report was approved by the trustees of the charity on 27 January 2024 and signed on its behalf by.. Alexander Eastman Chairnlan and tru5t¢e Page 6
Victoria's Promise Independent Examiner's Report to the trustees of Victoria's Promise ('the Company,) I report to the charity trnstees on my examination of the accounts of the Company for the year ended 31 Mar¢h 2024. Responsibilities and basis of report As the charity's trustees of the Company (and also its directors for the PUTposes of company law) you are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 2006 ('the 2006 Act,). Having satisfied myself that the accounts of the Company are not required to be audited under Part 16 of the 2006 Acl and are eligible for independent examination. I report in respect of my examination of your charlty's accounts as CWTied out under section 145 of the Charities Act 2011 {'the 2011 Act,). In canying out my examination I have followed the Directions given by the Charity Commission under section 145(5Xb) of the 2011 ACL Independent examiner's statement I have completed my examination. I confwm that no matters have come to my attention in Connection with the examination gÈving me cause to believe: accounting records were not kept in respect of Victoria's Promise as required by section 386 of the 2006 2. the accounts do not accord with those records. or 3. the accounts do not comply Ivith the accounting requiren]ents of section 396 of the 2(M)6 Act other than any requirement that th¢ accounts give a 'true and ]r view, which is not a matter considered as part of an independent examination. or 4. the accounts have not been prepared in accordance with the methods and principles of the Statement of Recommended Prdctice for accounting and reporting by charities [applicable to charities preparing their accounts in accordance with the Financial R¢porting Standard applieable in the UK and Republic of Ireland (FRS 102}]. I have no concerns and have come across no other matters in connection with Ihe examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached. Keith Westran ICAEW Unit 4 City Limits Danehill Reading Berkshlre RG6 4UP 27 January 2024 Page 7
Victoria's Promise Statement of Financial Activities for the Year Ended 31 March 2024 ncluding Income and Expenditure Account and Statement of Total Recognised Gains and Losses) Unrestricted funds Total 2024 Restrieted funds Note Income and Endowments from: Donations, external thndraÉsers and direct debits Grants and trusts 64,960 22,000 33,791 8,337 64,960 43,000 33.791 8,337 21,000 VP Events Other income Total income 129,088 21,000 150,088 Expendlture on: Fundraising costs VP Events VP App- supporting young women nationally tn-person support and in-person services Administrative costs (24,839) (18,503) (12,852) (22,110) 71,639) (24,839) (18,503) (12,852) (52,310) 71,639) (30,200) Total expenditure (149,9431 (30,200) 180,143 Net expenditure 20,855 9,200 Net movem¢nt in funds (20,855) (9,200) (30,055) Reconciliation of funds Total funds brought forward 31,133 10,700 41,833 Total ndS Carried forward 10,278 Unrestricted funds 1,500 11,778 Total 2023 Restricted funds Note Ineome and Endowments from: Donations and legacies Fundraising and events Investment income 71,589 73,209 198 71,589 83,909 198 10,7(K) Total income 144,996 10,700 155,696 Expenditure on: Fundraislng costs Administrative costs Wages and salaries (33,793) (97.042) 25,291) {33,793) (97,042) 25,291 Total expenditure C156,126 (156.126) Net {expendiNre)/income 11 130) 10,700 The notes on pages l I to 17 forn) an integral part of these financial slatrments. Page 8
Vietoria s Promise Statement of Financial Activities for the Year Ended 31 March 2024 (Ineluding Income and Expenditure Account and Statement of Total Recognised Gains and Losses) Unrestricted funds Total 2023 Restricted funds Note Net movement in thnds (11,130) 10,700 (430) Recollciliation of funds Total funds brought fonvard 42,263 42,263 Total fimds carried forward 31,133 10,700 41,833 All of the charity's activtties derive from continuing operations during the above two periods. The funds breakdown for 2023 is shown iti note I l. The notes on pages I I to 17 forn an integral part of these fjnancial statements. Page 9
Victoria's Promise (Registration number: CEOOI152) Balanee Sheet as at 31 March 2024 2024 2023 Nole Current assets D¢btors C&8h at bank and in hand 1.118 37,384 38.502 1,118 70.628 71.746 Credltors: Amounts falling due withln ODe year (4,029 (11213) Total assets less current liabilities 34,473 60,533 Creditors: Amounts falling due after more than one year 10 22,695) (18,700 Net assets 11,778 41,833 Funds of the charity: Restricted income funds Restricted funds 1,500 10,700 Total unrestricted funds 10,278 31,133 Total funds 11,778 41,833 The financial statements on pages 8 to 17 were approved by the trustees, and authorised for issue on 27 January 2024 and signed on their behalf by.. Alexander Eastman Chairman and trustee The not¢s on pages I I to 17 forni an integral part of these fllw)cial statements. Pag¢ 10
Victoria s Promise Notes to the Financial Statements for the Year Ended 31 March 2024 J Charity status The charity is limited by guarantee, incorporated in , and consequently does not have share capital. Each of the trustees is liable to contribute an amount not exceeding £Nil towards the assets of the charity in the event of liquidation. The address of ils registered office is: 21 Foundry Close Hook Hampshire RG27 9JD The principal place of business is= Landmark House Station Road Hook RG27 9HA These fmancial statements were authorised for issue by the trustees on 27 January 2024. 2 Accounting pollcies Summary of significant accounting polleles and key accounting estimates The principal accounting policies applied in the preparation of these financial slalements are set out below. These policies have been Consistently applied to all the years presented, unless otherwise stated. Slatement of eompllance The financial statements have been prepared in accordance with Accounting and Reporting by Charities: Statement of Recommended Practice (applicable to charities preparing their accounts in accordance with the Fillancial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)) (issued in October 2019) (Charities SORP (FRS 102)), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006. Basi5 of preparation Victoria's Promise rneets the definition of a public benefit entlty under FRS J02. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the Televant accounting policy notes. Going concern The trustees consider that ther¢ are no material uncertainties about the charity's ability to continue as a going concern nor any significant areas of uncertainty that affect the caTrying value of assets held by the Charity. Income and endowment5 All income is recognised once the charity has entitl¢ment to the income, it is probable thal the income will be received and the amount of the income receivable can be measured reliably. Pagell
Victoria's Promise Notes to the Financial Statements for the Year Ended 31 March 2024 Donallons and legacies Donations are recognised wherj the charity has been notified in WTitiDg of both the amount and settlement date. In the event that a donation is subject to conditions that require a level of p¢rfonnance by the charity before the charity is entitled to the funds, the income is deferred and not recognised until either those conditions are 1]Y met, or the fulfilment of those conditions is wholly within the control of the charity and it is probable that these conditions will be fulfilled in the reporting period. Granls receivable Grants are recognised when the charity has an entitlement to the funds and any conditions linked to the grants have been met. Where perfom]ance conditions are attached to the grant and are yet to be met, the income is recognised as a liability and included on the balance sheet as def¢ed income to be released. Inves¢meAI Income Dividends are recognised once the dividend has been declared and notification has been received of the dividend due. Expendfiture All expenditure is recognised once there is a legal or constructive obligation to that expenditure, it is probable settlement is requir¢d and the amount can be measured reliably. All costs are allocated to the applicable expenditure heading that aggregate similar costs to that category. Where Costs cannot be directly attributed to particular headings they have been allocated on a basis consistent with the use of resources, with cenlral staff costs allocated on the basis of time spenL and depreciation charges allocated on the portion of the asset's use. Other support Costs are allocated bad on the spread of slaff costs. Raisinglunds These are costs incurred in attrncting voluntary income, the management of invesfjnents and those incuffed in trading activities that rdise funds. Chaniable acdvllles Charitable expenditure cornprises those costs incurred by the charity in the delivery of its activities and services for its beneficiaries. It includes both costs that can be allocated directly to such activities and those costs of an indirect nature necessary to support ihem. Governance costs These include the costs attribulable to the charity's compliance with constitutional and statutory Tequirements, including audi¢ strategi¢ management and trustees meetings and reimbursed expenses. Taxatlon The charity is considered to pass the tests set oul in Parngraph I Schedule 6 of the Finance Act 2010 and Iherefore it meets the defmition of a charitable company for UK corporation tax purposes. Accordingly, the charity is Potentially exempt from taxation in respect of income or capital gains received within categories covered by Chapter 3 Part I l of the Cory)oration Tax Act 2010 or Section 256 of the Taxation of Chargeable Gains Act 1992, to the extent that such income or gains are applied exclusively to charitable purposes. Page 12
Victoria's Promise Notes to the Financial Statements for the Year Ended 31 March 2024 Trade debtors Trdde debtors are amounts due from customers for merchandise sold or services perforn)ed in the ordinary course of business. Trade d¢btors are recognised initially at the transaction price. They are subsequently measured at amortised cost using the effective interest method, less provision for impairment. A provision for the impairn)ent of trade debtors is established when there is objective evidence that the charity will not be able to collect all amounts due according to the original ternis of the receivables. Cash and eash equivalents Cash and Cash equivalents comprise cash on hand and call deposits, and other short-tern) highly liquid investments that are readily convertible to a known amount of cash and are subject to an insilfiCant risk of chang¢ in value. Trade creditors Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of business from suppliers, Accounts payable are classified as current liabilities if the charity does not have an unconditional right, at the end of the reporting perio(t to defer settlement of the creditor for at least twelve months after the reporting date. If there is an unconditional right to defer settlement for at least twelve months after the reporting dat¢, they are presented as non-current liabililies. Trade cr¢ditors are recognised initially at the transaction price and subsequently measured at amortised cost using the effective interest method. Borrowings Interesl-bearing borrowings are initia]ly recorded at fair value, net of transaction costs. Interest-bearing borrowings are subsequently raTTied at amortised cosL with the difference between the proceeds, net of transaction costs, and the amount due on redemption being recognised as a charge to the Statement of Financial Activities over the period of the relevant borrowing. Interest expense is recognised on the basis of the effective interest method and is included in interest payable and similar ¢harge5. Bomwings are classified as current liabilities unless the charity has an unconditional right to defer settlement of the liability for at least twelve rnonths after ihe reporting date. Page 13
Victoria's Promise Notes to the Financial Statements for the Year Ended 31 March 2024 Foreign exchange Transactions in foreign currencies are recorded at the rat¢ of ¢xchange at the date of the transaction. Monetary assets and liabililies denominated in foreign cUenC1¢S at th¢ balance sheet date are reported at the rates of exchange prevailing at that date. The results of overseas operatÈolls are translated at the average rates of exchange during the period and their balance sheets at the rates ruling at the balance sheet date. Exchange differences arising on translation of the opening net assets and result5 of overseas operations are reported in other comprehensive iT)come and accumulated in equity (attributed to non-¢ontrolling interests as appropriate). Other exchange differences are recognised in the Statement of Financial Activities in the period in which they arise except for: l) exchange differences on transactions entered into to hedge certain foreign CUTrency risks (see above). 2} exchang¢ differences arising on gains or losses on non-monetary items which are recognised in other omprehensive income. and 3) in the case of the consolidated fmancial statements, exchange differences on monetary items receivable from or payable to a foreign operation for which settlement IS neither planned nor likely to occur (therefore forn]ing part of the net investmenl in the foreign operation), which are recognised in other comprehensive income and reported under equity. Fund structure Unrestricted income funds are general funds that are available for use at the trustees discretion in rth¢rance of the objectives of the charity. Restricted income funds are those donated for use in a particular area or for specific purposes. the use of which is restricted to thai area or purpose. Penslons and other post retirement obligations The charitable company operates a defined contribution pension scheme. ContrilTrutions payable to the charitable company's pension scheme are charged to the Statement of Financial Activities in the period to which they relate. 3 Trustees remuneration and expense5 No tn)stees, nor any persons connected with them, have received any remuneration from the charity during the year. No trustees have received any reimbursed expenses or any other benefits from the charity during the year. 4 Staff ¢ost5 The monthly average numb¢r of persons (including senior management I leadership ieam) employed by the charity during the year expressed as full time equivalents was as follows: 2024 2023 Athninistration Page 14
Victoria's Promise Notes to the Financial Statements for the Year Ended 31 March 2024 No employee received emoluments of more than £60,000 during the year. 5 Independent examiner's remuneration 2024 2023 Other fees to examiners Examination-relaied assurance services 2,694 Page 15
Victoria's Promise Notes to the Financial Statements for the Year Ended 31 March 2024 6 Taxation The charity is a registered charity and is therefore exempt from taxation. 7 Debtors 2024 2023 Prepayments 1,118 1,118 8 Cash and cash equivalents 2024 2023 Cash at bank 37,384 70.628 9 Creditors: amounts falling due within one year 2024 2023 Bank loan5 Trade creditors Other creditors Accruals 587 660 88 2,694 4,029 8,519 2,694 10 Creditors: amouDts falling due after one year 2024 2023 Bank loans 22,695 18,700 I l Funds Balance at I April 2023 Incoming resources Resources expended Balance at31 March 2024 Unrestrfieted funds General 31,133 129,088 (149,943) 10,278 Restrieted funds 10,700 (9,2(K) 1,500 Total fund5 41,833 119,888 149,943) 11,778 Page 16
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