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2024-12-31-accounts

Coleg Trefeca CIO (Registered Charity Number 1208362) Annual Report For the period ended 31 December 2024

Coleg Trefeca Annual report for the period ended 31 Decernber 2024 Contents Rep)rtof the trustees ststement DEtrustees' ￿$￿￿$￿ilItieS Indepe￿]ent audito￿, re￿rt Balance slket to the financial statements 10-12

Coleg Trefeca Legal and administrative infonnation Constitution G)leg Tref￿8 ('Ibe College) is a Charitable lllcorpordted orgalli￿ and a ￿tstered clwity INO: 1208362). Trustees The trustees who Serv￿ during the peri(￿1 and up to the date of approval of the fitianc￿ staterne￿ts Rev WayneAdams ((hair) Rev Owell Grfftffiths Appointed 22tKI May 2024 Aptx)iThted 22lld May 2024 Apwillted 22Dd May 2024 Apwiuted 22nd May 2024 AptK)inted 22ttd May 2024 Appointed 22DdJuty 2024 liev P(Trwell.Davies RevJonathan Kirk Prineipol address So]icitor College IAne 4 Capital Quarter DTrd8ll Street BreL%)n Powys tD3 OPP CFIO 4BZ Independent auditors Azets AuditSeThi TyDerw limeTree Court Cardiff Gate Business Park Cardi*fCF23 8AB Bankpl i &>uthampton Row, Ixlndon, we￿ SHA

Coleg Trefeca Report of the trustees for the period ended 31 December 2024 The trustees pleased to present their annual ￿pOrt aud audited fmallcial statements for the period ended 31 December 2024. infonmationwith rwto trustees offi(ETs adviso￿ setout onpage iformpart of tbis retnrt. The financial statements klave been prepared on a going COn￿rn basis in o)mplianee with the applicable accounting standants in the United ￿dOrn induding the Statement (rf Recommended Prartice (SORP): AcLx>unting and Reporting by chariti&s in PTepariDg their financial statements in accordance with the Financial Reporting Standard (FRS) applicable in the UK and Republie of Ireland (FKS 102). Status and objectives Coleg T￿ is the bistoricaj centre of The Presby￿?￿ Chureh of Wales. Tal)ern2cle Chape]. 81 Merthyr Rou& IMhitchurcM Cardifj CFM IDD. The College is administered as a separatdy registered ciwity. A new CharitabEe Incorporated Organisation (A%wciation} for Coleg Trefeea was ￿gIStered with the Charity Commission on 22nd May 2024. The Presbrnian Church of Wales is the sole member of the Charitable Ineorporated Org>]nisation. The advancement of the Christian faith through the prDvxsion of a place of worsbip. whith will also ineorporats educating in the faith. relid of those in need and provision of recreational facilities in furtheran(Y of the faith. In .%etting the College objective, and planning its activities, the trustee has given careful consideration to the Charity Commission's general guidan(z on public benefit. Connected charity The College rep)rts to the General Assembly of the Presb)tsrian Church of Wales thmugh its Re50UTces Departtnent and Properties Board. Developments, activities and achlevements ColegTrefeca h&8 seen a y￿Of sigDificant transition inthat a new CIO has been &8tablished togeiher Mryth a new Board of Th￿te&s. We are tbanknl for the go(Klwill and excellent foundation that the previous CIwi￿S Board have pa&sed onto the new CIO. This ellabled u5 to so forward into the next chapter of the CA)leg Tre[￿& story. ITh aecoTdance with ourobiects and supporting business plom, there has been a great deAI of focus on promoting thefaeilityin the digital world and thro￿gh personal relattonship& There has been a reconnection with manypast users together with a substantial iDcre&8e in new footfall. Fe￿ack has been overwhelmingly positive. and we hope to It has been pleasing to see a steady flow of international visiturs, utLderliDing the importance of the Trefeea story to the slobal Church. Similarly, over the lastyear mueh of our increased usage has been tI￿OUgh the re*stablishing of Telationships other historie denominations in Wale8 alld England. ID addition to these eleJJJents, new relationships are being established with other nettwo￿ and streallts within the christi￿ Church. To supportthe growth through this period, both existing and new staff have workedtirelessty and entlntsiastieally a5 they have sought to once again make it a plac£ of generous welmme. As we l(KJk at the coming months, preparations are well underway regarding the conseryatioll and development of the site. Given that the site is within the Bannau Brechieniog NationAI Pfr￿ and that it also a Grade 2• listed status. variouspernii&sions need to be given before physical works can cojnmenee. We are pleasedto rep)rt that this prelimiwwork is well undemy. All these activities are in u]ignment with the Continuing aim of pTh)viding a qu01ity welcoming space for retreat and formation. Complitnenting the physical space. the intention is to also offer an in house creative retreat program of activities aimed at a variety of diffeTent groups 8nd it is hoped that these will develop over the coming years.

Coleg Trefeca Report of the trustees for the period ended 31 December 2024 Income generation The prfft￿ary Source of ill￿me in 2024 was the funds tr8nsfeTred fmm the previous Coleg Trefeca eharity of £&).000. In addition In￿Me receiv￿ from o)urse and r&sidenlial fees was £30,f40. Results ng the period, the funds of the ￿llege have been used to further the CA>llege's obiertiw. I￿e Det inLYJming ￿[￿￿9triCted re￿llr(￿ for the Y￿ 8mountal to £5,549. This was acLY)Unt&l for by the totsi inLI)me of £95a76 detailed aboveoff%ettiDg charitable expenditure of £89.827. Reserves po]Icy Theunres1￿thTr(l¥ aTeavallablef0Tusebythea)llege.Thetrusteeh&sdeterniin￿ that uDrestrirted fimd8 should be at a levd to Tefieth approximately one )tarfs worth of eyndith to eLsure the (x)n1inued viability of the College in the eyent of unforeseen 1yrcu￿. At 31 DeceM1￿r 20¥, the level of W)restriCt￿ reserves were below level. the a&sets fi￿M the previous Trae￿ charity are tra￿￿e￿￿lin 2025 the T&erves SI￿thI beabove this leyel '[￿e trnsteeis satisfied that the financialposition andre￿YeS atthe period end ￿￿adeqUateto meet the on80ing requirements of the Lolleg Risk management Thetsustee LS llndertakinga reviewof thefurtentriskregi%ter, and updatingitto rellectthemajoT risks to which the College is ewed and its risk ma7Ja8ement and internal control pr0edu￿% in order to ensu￿ that8ystsms are in placeto mitigate theserisks. Governance of the College l)uring 2024. the trustee met as requiTe(L OD a day to day basis, the College is administered by the staff at the College who liaise closely with the trustee when significant matteTh ariqe. Public Benefit In planning and reviewing its activitses the cOll￿e has conside￿1 the Clwity Commi&sion's guId8￿ce onpublicbenefit ￿￿]￿partiCl11arthe spe(ific guidan(*forehaTities forthe advan(Yment of ￿]]￿M)n. Trdts: 21 (knI￿r 2025

Coleg Trefeca Statement of trustees, responsibilities The trustees are re$￿￿5￿)1e for preparing the Trust￿, Annua] Report and the financial statements in a￿rdaI￿e with applicable law and unit￿ Kingdom Aco)unting Standards (United Kingdom GenerallyAccepted Accounting Practice). The law applicableto charities in England and Wales Teqllires the trnstees to prepare finsncial statements for each financial year which give a true and fair view of the state of aftairs of the charity and of the inu)ming re9)urC￿ and app]ication of resources of the charityfor that period. In preparing these financial statements. the trnstee5 are requiredto: selert suitable a(ZountTrng￿j1eIes and then applythem consistently,- obsent the metho¢Ls and principle5 in the Charities SO1￿. makeiudgments alld e5timat&s that are reasonable and prudent. state whether applicable ac(x)unting standards, cA)R]wrising FRS 102. have Ixen followed, subjeLt to any material departures disdosed and explained in the financial statements" and prepare the financikl sthtements on the going concern basls unl&ss it is inappropriate to p￿sUMe that the cIwity￿ll (Yjntinue inbusiness. The trustees are rwnsible for keeping proper ae(Dunting reconls that disclose with reasonable aeeuracy at any time the financial position of the charity and enable them to ensure that the financial Stllteme￿ts comply with the Charities Act 2014 the Ckwity (AeLM)unts and Re￿rts) RegulatlOIL8 2008. They are also responsiblefor safeguarding the assets of the charity and henee for taking reasonable steps forthe preventM)n and detertionof fraud and other irTegulaTiti&s. By order of the tnwlee Date: ￿ Octol)er 2025

Coleg Trefeca Independent auditors, report to the trustees ofcoleg Trefeca We have audIt￿the finaneÉal statements of O)kg Trefeca fi)r thewiodended 31&1 Decemb 2024 whith comprise the Statement of FInan(iaiActiviti￿, Balance SheeL and notrf￿ to thc finan(2al statements, includinssignifi(antacrDuntingpo]ieies. Thefinancial rey)rting frameworkthathasbeen a phed ￿ thar preparattonis apphcable law and Umted K￿gdoM Ac(y)unting Standards, incfuding ￿8￿cIal Reporting Standard 102 TheFinanoalReporting Standord17pplicobk in the UKandRepubiic ofIreland (United FSngdom GenerallyAccepted A￿)Unting Practice). In our opinionthefinancial statements: gtve a tsuc and fairviewof the state of the thartvs affai￿ as at3ltst Decetnber20¥, and of the cI)ariWsin￿Mlngr￿￿￿eS and a lication ofresource4 includingits incomc and expLnditure, for theperiod then end￿. haveb￿nproperfy prepar(yJ in ￿rdan￿WIth United CeneTr]tyAixtyed Ac(x)unting Prnct1￿. and havel￿en pretHredln￿jrda￿ceWlththe rquirements ofthe c1￿1tiesACt 2DIL Basis for opinion We conducted our audit in attordan￿ with IntL.rnatIOT￿ Standards onAuditing (UK) (ISAS (UK)) aDdapp]icablelaw. Our ￿￿nS￿l]ItieS under those stand2nL8 are further do8￿?1￿aLn theAuditor's reswTrnsibi]itif> torthe auditofthefinancial statements s￿tIOn of our are indyndentofthe th￿ltyin accord8￿ce with theethid wuirements that are LE evant to our audit ofthe fuwicial statements inthe UK incluithng the FRC'S Ethi￿ Standard, andwe have fillfill￿ ollroth￿ ethi n&l)llities in a￿OrdanCe with wuirements. We Tve obtained is sufficient and appropTiatetoprovide abasis be]ieve that the audit evidenc£ we forouropinion. Condusions rdatingto golng eoneern In auditingthe financial statements, wehave concluded that the knL8tee3' ￿se of the going concern b&gis of accounting in the preparation of thefinancialstatements is app￿prIate. Based on the workwe have ￿rfOll￿￿ we have notidentified anymataial uncert2inties relating toevents or a)nditions thaL inrt the￿)n. Thetr￿SteeS are reswnsiljle fi)r the otherinfoTffiationix)ntsiDoxiwithin the annual report. Ouro on onthe financi81 st2temLnts d(N% nOtci)verthe otherinfonmtion and, ex￿pttO e extentotheTwise expliotly statedin our reporL we do nut yres5 anyforni of ￿llrar￿ Ix)ndusion ther￿)￿ Our r&S￿￿￿￿]lity]stO readthe other UrfOrn￿ts0n anl in doing w, ¢J)nsiderwhether thi othcr inforniation is mataidllyincotLSiStentwith the financial statements orourknowledge obtsin inthe eourse of the auditor otherwise appears tobe materiaILy misstate(L If weidentifysuch ma￿181 in0)n￿encIeS or app￿ellt material mi￿￿teMents, we are ￿ulE￿t0 detenDine whether this giv&s rise to a n￿terial mi&stathentin the financial statemellts ther￿selVeS. If, b&￿d on the workwe have perfomirf weeonclude that there is amaterial misstatement of this otherinformalion. weaTe T(4uiredto ret￿thatfaI We have nothi￿t0 repKJrtin this re￿.

Coleg Trefeca Independent auditors'report to the trustees ofcoleg Trefeca We have nothing to rewrt in res5￿￿ of thefollow1ngmatt￿¥ in reI2tiontowhith the Clwities (Awunts and Re￿)rts) Reguldbons 2008 LEqU]reusto reFK)rttoyouJ£ ￿ ouropllllon: thL Inforn￿tiOn pven inthe fiDaneial8tatemL'nts is itwtLgiStentin anymateria] reSp￿t th the tr￿teeS report. or suffieient accoun thechariws finan . [￿rdS have notbea]kept' or state￿ellts are not in agreementwith the aC(￿untIngr￿ and wehave nOt￿1v￿1 ajl theinforn￿ti0n and explanionswe r&wirefor our audiL As extkninedmore fully in thettwtees. are forthepreparation ofthT sibi]ities statement setout on page4 the ttILgt nancialstatements andforlxingsatisfiedthat they give a trne and fairview. and for such internal ￿ntrola$the trustees determine is n￿ary to enqiblethepwArationof finaneiAI statern￿ts that aLE freefr(xn material misstatemenL whetherdue to fr¢iud orerror. In prqwing thefinancial statements, thetn]stees are res￿￿￿1>}efi)r assessi abilityto LX)ntinue as agoing (x)nLcrn, discl(Asing, as applieabE matters rdat thccha1i￿S to going con￿rn and using the going (x)ncernbasis of aeAX)unting unl(3s the trustees eitherintend to ]iquidate the ch￿lty0r to ￿&Se operatio￿, orhave no realistic alternative but to dn g). We havebeen aptK)inted &8 auditor und(Y s£ction 145 ofthe Charities Art 2011 andrew)rt in acLM)rddncewith theAct and rdevant regulations made or havingcffect thereunder. Our obj￿tive¥ areto obtsin Te&sonable a&8ur8nce aLN)utwhetherthe fin￿￿]alstateMellts as a ole are freefmm mataial mi&gtatetnenL whetherdue to fraud orerror, and to issue an auditorfs re￿rt thatindudes ouropinion. Re&8onable assuran￿15 ahigh le￿ of assurauce, butis not a guarantee that an audit(fjnductedin accordan￿ with tSAs (UK) will alwa detect a aterial misstatement when it exists. mi￿￿Ments Gqn arise fiDmfralld or errnr an considered matffliaj if, individualtyor in the aggregate, thycould reasonablybe eX￿tedt0 infiuen￿ the￿nOMiC decisio￿9 of users taken on the baw of these fin&n(ial statements. Afurther d￿criPtion of OUT restKJnsibi]itios is a￿lIable on the Fkncial B£w>rti Council's website at: h frc.or uk/Our-Work iid2ll StaDdards-and- ￿idanCe-for.auditQrS audit D￿1 tion-of-auditors- AudItOL7>-￿s￿￿S1b]Ilties-f0r- nsl)ilities-foTraudiLas auditorfs retx)rt. This d￿lptiOnfornjS part of our Irregularities, incluiling frduIL are it]sL￿(£S of non-compjianeewith laws and regulations. We d&8ignpr0￿llres in ]ine with ourrespO￿$1b]IIts￿, outlinLJd aiKbve and on the Finan(ual in rtiDg COU￿￿1.5wehS1t& to detertn]ateriaJ ll]isstatements in ￿￿tof Irr￿arIti￿S, udiDgfrau We obtsinand utKlateour ulldeTStanibng of the entity, its activities, its ￿ntrol environment, and likel future developments, including in relation to the legal applieade andhowthe entity is (x)mpl ' wlththat frajnework we identify3nd the risks of mat misstatement of the financial statements, Mdlether due to fraud or em)r, degign and ￿fOrni audit pr￿￿llreS res￿nsiVe to those risks, and obtsin audit eV1(k￿￿that is suffiLient and appropriateto proNryde a basis forour opinion. This includ&s consideration of the risk of actsby the entitythat were ￿Trtrarykn appli(xble laws and regulati(Ins, iududing frau In to the riskof ]rTe￿￿ltieS and non-com￿lanceWith1awS andre￿￿ati0￿, includingfrau4we ￿]g￿t￿l pr(KEdutesvthich inclDled: .Enquiryof rnanagementandthose chargedwith governance an)llnd actual 2nd w)tentidl libgation and claims aswell asactuaL S￿spe1eA1 andallegwl fraud;

Coleg Trefeca Independent auditors, report to the trustees ofcoleg Trefeea .Asse&singthe extent of u)mp]iance withthelaws alld regulations consider￿1 to havea dir&t material efteet onthe financial ststements orthe01￿110Th8 of the entitythmughenquiryand tY)mplIan￿ with app]i(xble ]aMB and regulations" •Perforniin¥ audit work overthe riskof managementbi&s and override of conttDLs, inCI￿lIng t￿ting of journal entrieg andotheradjustmeDtsfor ap ropriaten￿, evaluatingthebus1n￿s ratii)nale of &gnificant transactions outside the nr) coll￿e of b￿51￿{￿8 2nd rLwIL￿11ig a(xx>unting ffitimates forindicators of FVtentia] bias. Because of the itherent limitations of an audit, there is a riskthatwewill uotdetect all iTre￿￿￿1ties. Includingth(￿lea￿i￿ to a material niisstaternent 1llthefll￿lell81 statements or non-[￿mpha￿ re￿latt0n. iiskincreases themoTethat ￿Zn ]￿llee wllth a]awor re￿lIation]S removed fromthe events and tralwrtions refie(ed in the nancial statements, a8 we be likely toTrcome aware of instaw of nou-O)mpliallce. The riskof not dthtillg a Mat￿781 misstatementresulting from fraud ishigherthan for one resultingfiY)m ermr, &$ fraud mayinvolve a)llUsiO￿ forgery) intentiollal on￿10￿S, misrepr£sentatiotks, ortheoverride of inLernal control. Use of our re￿rt This rep)rt is made soldyto the charitys trustees, ￿ a tK)dy, in ac￿rdancewlth Part4 of the Charities (A(xx)unts and that we mightstateto the orts) Reg1]ations 2008. Our auditworkh&s been undertaken bx) tnL8t￿s those matters we are required to state to them in an auditorfs repjrt andfor ￿ otherpurpose. To the full&t extentpeEmittedby law, we do not aecept or a￿UMe res[K)nS￿l ilityto anyoneotherthanthe chality andthe chaLIWs trLLStees &s a body, forouraudit forihis repoT¢ orfortheopinionswehaveforme(L chart￿dA￿￿￿￿tants & StakntoryAuditor Ty Delw CF23 8AB Date: l o (k*obw2025 Azets Audit Services is e]igiblc to act as an auditorin ternis of section I2￿ of the Companies Act 2006.

Coleg Trefeca Statement of financial activities for the period ended 31 December 2024 2024 Total Note tnLM)me fi￿rn. Cout5e and ￿SIdential fee8 Tr)nations Bank interest 30,640 4,637 99 Total 95.376 Expenditure on: COUT 89,827 89,827 Net ina)me/(expendikn) Total fiulds brought forward 5.549 All reu)8niwl g8ins and l(bEe5 havebeen included in the state￿etIt of Finan(1￿ Actsviti& the a]nounts inchmled are derived from the thntintiingoperntions of the O)lleg There isno materialdlffe￿￿(2betWeen the netmoVe￿t0f fimds stated a￿￿2nd tbeirbi8tori )st equivalents. The notos on pages to io to ￿fOrM part0fth￿ financial statrments.

Coleg Trefeca Balance sheet as at 31 December 2024 2024 Note Debtors andprepayments Cash atbankand in Iw 32.919 19123 54042 CreditoTr andaceruajs 2,087 441406 469493 S￿9 &549 5&19 Thefin8n[￿￿statPjllentsweTr 8pprOvedbytheTr￿8tsts on21 (ktober2025 9ndsign￿ollitsbe]￿jfby'. Nbi/L The nots onpagestD 10 to 12fonnpartof the fllwici8J stateM￿ts.

Coleg Trefeca Notes to the financial statements for the period ended 31 December 2024 Principal acCoU￿1￿s policies Basis of prepaTation The fwanCl￿ statements have been PTeparal on a going (x)I￿rn basis under the bistorieal o)st conventioffj and in a¢￿)rdan￿ with the applicable acLX)unting standards in the United kngdom, the Statement of R￿OrnMended Praelice (SORP) "Ac(x)unting and Reporttng by Cl)aTities" (effeetive I January 2019). FRS 102 in aLrordance with the Charihes Act 2011, iJsiIig ￿D$]stentlY appli a(xountingtK>licies. The financi￿ statements att prepared in sterlin& which Js the fU￿tIonal cunency of the charity. Monetary amonnts in these fiD3Deial statements are D)uDded to neaTrst £. Ina)me policy IncomefromdoDationsdDdlegaeiesis rwisedon ar￿e1Vab]eb?SJSwhenthatJSSuthcieTht{￿rta1llty of re￿Ipt the value of tbe incoming resour(£ c&ts be measur&1 with sufficient reliability. Grants re£eivable bY)mthe Presbyterian Church of Walas are Includ￿ as Illcoll￿1n theye8r of r￿elpL The ￿st of ta￿￿1)]e 8&8ets is theirpUTCl￿ (XJSL tOgether}￿th aJwiThcidentsl ext￿ of aLllUi8rtio Frid asSetpurCh￿ uThderthevalue of £3.000 (2020: £3,000) arenot<wIta]￿l Ikpreciati0niscb￿￿￿jbyuSjDg the strnigbtlinemetlThltowritedownthe(XkStof the assets overtheir timataqusefi￿l1Fe atthe following ratrsw 8iinuiiL 5%pa 10%-20%pa FuTnitw& fittings and￿u1pment The ux)nvmie ￿￿￿liveS and ￿51a￿al value of fL%ed assets yre Mryewed at the end of eath accounting Peri￿ There h8sbeennochall¥e illtheestimat&lusefill txx)noIn￿ lives durmg Iheyear. stocki8 sthted atthe h)werof cost andThet rea]k8able value. All ￿aS held by the College areunreStr1￿ and Canbe￿a)Da(￿OIdaUceW1thth elwitable ob]￿ts atthe diSc￿L000f the truste￿. The Co]lege h&8 taken adwitage of Ihe exemption under FRS ￿zparagraph 1.12(b), fioulpreparing a statementof cashflows on thebasis that itis aQ￿lIE￿ngentityand its ultimateparenL Presbyterian Church ofwaks. indudes thecollege's eAshaows ill its own cowlidat￿Afi￿tina￿ statements rhecharity￿rfIcIpts in a defined(x)ntsthution pens1onse1￿jlleope￿tedby itspaThtLknity. The io

Coleg Trefeca Waks. Notes to the financial statements for the period ended 31 December 2024 Principal accounting po]ieies (continued) Collegeisaregsternlcbarity8nd 9ssuchi8entitl￿Io￿￿trill tsxexemptioLsoninu)me andprofits from inv&stments, and5J￿1￿ OD llnytrddingactThTilies caErial oUtinthefiwth￿te of the &)Ilege'5 primyryobiective4 rfthese p￿fits aDd surpluses areapplial SA)Idyfnrcharitablepurp)se& Analysis of expenditure Staff Support 2024 ¢osts CouT8es and Tesidential Shop 44Ao6 15.558 29,863 89,827 44Ao6 29,863 89.827 Audit fees are paidby the Pr&8bitterian Church of Wale& 14y930 628 gal and professional fees Depreciation 15>558 B&sis of a]location sL7P￿)rt wsts are allocated ollthe basis of the est]inat￿l petcentage alloeatioll of stoff time spent oll the cbaritable activity of the Colleg& 3 Staff Ubsts 2024 Wag£8 aDd salaries Social security eosts 409587 31819 44Ao6 The number of employees during the year was: No employee ￿￿1Ved remWiern￿ll of tl)an £60,000.

Coleg Trefeca One trustee had expeD8es pAid orwere Te1mbUrn￿ forexpenses intbe year and were for travd and subsi8tence and tota￿1 £568. Notes to the financial statements for the period ended 31 December 2024 Debtors 2024 Other debtors 8nd prepay￿eDts Amomnts owed from the P￿sbYter￿an Churchof Wales 32,919 32,919 Movement on funds Bdance Tota] Total BalaD i January ineomlng resourees 31 December 2024 UThrestricted Pension costs All employees gre eJi%ible toioin the Presbyterian Chwch of Wales defmed ￿ntrIbution stheme administered by Cus1￿n. ContributioIis to the scheme by the College for the year amounted to £nil. All employer ￿D$lon contnl)utionshavebeenpaid by the PresbyteriaD Church of Wales. Relatrd party transactions The tn￿eeS have consideredthe dib'dosvre requirements of the Statement of Recnujmended Practi￿ for charities and Ix)Dsider that thetrdnsartions requiiing di8dosure are as follows: The college re£eived £60.ooo fromthe previous ColegTrefeo charity so it could eommence charitable activities. The C4)llege bas a crvjitorbaiallce of £44Ao6 atthe period eDd ID relalionto staff costs whichthe Presbyterian Churchof Wa1&8 administers on its behalf. Twotrustees of the College have an outstandillg mortgage or earloan from the Presbyterian chDrch of Wales of £1￿.725 lit the period end. Totsl }llte￿st of £JA48 is payable to the Church in rdation to th&sebalances during the period. The r[￿lMU￿ (9rloan available is £6,500 (£8,500 forthe purchase of an ele£tric &qr) repayable over a maximum period of 5 years. at #n interest rate of3%. The car loa]Js are UlLseeuTed loans. The D￿lm￿[n mortgage available is £200,000 Tepayahle over a maximum period of 30 years, at an interest rate of 3%. There are certain exceptio]]s to these tern￿￿itbjllthe mortgage ruks set bythe Church and each c3se wJ]be considered OD an individual basis. The n￿rtgage 18 secured by a first (i) (ii)

Coleg Trefeca