THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION (INCORPORATED) (Incorporated as a Company limited by guarantee and not having a share capital) Company Number 141130 TRUSTEES REPORT AND ACCOUNTS FOR THE YEAR ENDED 30 SEPTEMBER 2024 REFERENCE AND ADMINISTRATIVE INFORMATION Registered Office Essex Hall, 1-6 Essex Street, London, WC2R 3HY Auditors Shaw Gibbs (Audit) Limited 264 Banbury Road Oxford OX2 7DY Bankers CAF Bank Ltd, 25 Kings Hill Avenue West, Malling, Kent, ME19 4JQ Solicitors Charles Russell Speechlys LLP 5 Fleet Place, London EC4M 7RD Investment Managers Redmayne Bentley, 9 Bond Court, Leeds LS12JZ Charity Registration Registered as a Charity No: 255205
THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION (INCORPORATED) TRUSTEESIDIRECTORS, REPORT Structure, Governance and Management The Company is limited by guarantee and has no share capital. The principal activities of the Company consist of (1) the holding of investments and the application of the income there from for the benefit of The General Assembly of Unitarian and Free Christian Churches and (2) acting as trustee of funds for religious purposes. The 11 Oth Ordinary General Meeting ofthe Association was held on 28th February 2024 online by Zoom. The annual report and accounts were adopted and the Honorary Officers and Executive Committee members, who act as the Trustees were elected. The Association has continued to analyse the risks associated with its operations as part of its on-going policy development. Public Benefit The TrusteeslDirectors take into account the Charity Commission's guidan on public benefit and believe that the activities of The British and Foreign Unitarian Association (Incorporated) are in line with that guidan. Objectives and Activities The objects for which the Association is established are: The difftjsion and support of the principles of Unitarian Christianity. The publication and circulation of biblical, theological, scientific, and literary knowledge related to Unitarian Christianity. To do all such other lawful things as are incidental or conducive to the attainment of the above objects, or any of them. Achievements and Performance The total incoming resources of the Company for the year, particulars of which are shown in the Statement of Financial Activities, amounted to £147,179 (2023 - £141,390), all of which was investment income. There were no legacies during the year. Investment income and interest levels remained substantially the same. Portfolio management fees were £18,689 (2023- £20,294). £102,015 (2023-£95,972} was distributed to the restricted funds, The net balance payable to The General Assembly of Unitarian and Free Christian Churches was £32,335 (2023 - £27,432}. There was a realised loss of (£2,230) (2023 Nil) and unrealised gains of £267,052 (2023 - {£96,012)} (giving an increase in the market value of investments). Financial Review The Reserves Policy states.. The Association needs reserves to ensure the continuity of the long-term functioning of the Charity. The Association does not have any current source of income otherthan the occasional legacy. The Association relies upon the income generated by its unexpended reserves to undertake its service of custodian trusteeship to Unitarian and Free Christian Churches and to administer various small trusts for the benefit of the Unitarian movement within the United Kingdom and at certain overseas locations. The Association donates its annual surplus to The General Assembly of Unitarian and Free Christian Churches, a course permitted by its Memorandum and Articles ofAssociation. The range of reserves needed to maintain the continuity of the Charity at present levels of activity is judged by the Managing Trustees to be around 300/0 of annual income. The present level of reseNes is deemed to be sufficient. The Managing Trustees plan to conserve the present level of reserves by ensuring that the investments are well managed, and the expenditures are carefully controlled. The level of reserves and the policy itself will be reviewed at succeeding Ordinary General Meetings held annually in February. Trustees serving in the year are as follows: Alan Ruston, Rosemary Ruston, Joan Cook, William Featherstone, Ray Harding (Hon Treasurerfrom 28th Feb 2024), Dorothy Hewerdine, Jennifer Janes, Andrew Mason (from 28th Feb 2024), Ann Peart, Neil Sanders (until 4th July 2024), Jefftey Teagle (Hon Treasurer until 28th Feb 2024), David L Wykes (Chairman), Elizabeth Slade (Hon Secretary). All Trustees are also Directors of The British and Foreign Unitarian Association (Incorporated).
THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION (INCORPORATED) TRUSTEESIDIRECTORS, REPORT (Continued) Investment Policy The Investment Manager is instructed and has agreed to follow a balanced investment strategy which will maintain an adequate degree of diversification within an acceptable level of risk, whilst seeking to maximise the overall return. The Executive Committee is anxious to invest in companies and trusts with good ethical standards and avoid companies with significant involvement in alcohol, armaments, tobacco and gambling. The Economic Backdrop The value of the investment portfolio now stands at £3,329,098. The dividend income has barely been affected and has remained at a stable level. As such it is felt that there are no foreseeable issues of immediate concern. Responsibilitles of the TrusteeslDirectors The Trustees (who are also directors of The British & Foreign Unitarian Association (Incorporated) for the purposes of Company Law} are responsible for preparing the TrusteeslDirectors' Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice). Company law requires the TrusteeslDirectors to prepare financial statements for each financial year, which give a true and fair view of the state of affairs of the charitable company and of the incoming resources and application of reSoUrs, including the income and expenditure. of the charitable company for the year. In preparing these financial statements, the TrusteeslDirectors are required to.. Select suitable accounting policies and then apply them consistently ObseNe the methods and principles in the Charities SORP Make judgments and estimates that are reasonable and prudent State whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial statements: Prepare the financial statements on the going concern basis unless it is inappropriate to presume that the charitable company will continue in operation. The TrusteeslDirectors are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charitable company and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charitable company and hen for taking reasonable steps for the prevention and detection of fraud and other irregularities. In so far as the TrusteeslDirectors are aware.. There is no relevant audit information of which the charitable company's auditor is unaware., and The TrusteeslDirectors have taken all the steps that they ought to have taken to make themselves aware of any relevant information and to establish that the auditors are aware of that information. Auditors A resolution to reappoint Shaw Gibbs (Audit) Limited as auditors for the ensuing yearwill be proposed at the annual general meeting. This report has been prepared in accordan wtth the special provisions of Part Vll for small companies under Part 15 of the Companies Act 2006. Approved by the TrusteeslDirectors on 19th February 2025 and signed on their behalf by: David Vvykes (Chairman)
THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION INDEPENDENT AUDITOR'S REPORT INCORPORATED Opinion We have audited the financial statements of The British and Foreign Unitarian Association (Incorporated) (the 'charity') for the year ended 30 September 2024 which comprise the statement of financial activities, the balance sheeL the statement of cash flows and notes to the financial statements, including significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Stsndards including Financial Reporting Standard 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdon Generally Accepted Accounting Practi). In our opinion the financial statements.. give a true and fair view of the stste of the charitable mmpany's affairs as at 30 September 2024, and of its incoming resources and application of resources, 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 Charities Act 2011 . Basis for opinion We conducted our audit in accordance with International Standards on Auditing (UK) {ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditor's responsibilities for the audit Gf the financial statements section of our report. We are independent of the charity in accordance with the ethical requirements that are relevant to our audit ofthe financial statements in the UK, including the FRC'S Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. Conclusions relating to going concern In auditing the financial statements, we have concluded that the trustee directors, use of the going concern basis 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 to events or conditions that, individually or collectively, may cast significant doubt on the charity's ability to continue as a going concern for the period of at least twelve months from when the financial statements are authorised for issue. Our responsibilities and the responsibilities of the trustee directors with respect to going conTrrn are described in the relevant sections of this report. Other information The other information comprises the information included in the annual report, other than the financial statements and our auditor's report thereon. The trustee directors are responsible for the other information contained within the annual report. Our opinion on the financial statements does not cover the other information and we do not express any form of assuran conclusion thereon. Our responsibiltty is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the 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 this gives rise to a material misstatement in the financial statements themselves. If, based on the workwe have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact. We have nothing to report in this regard.
THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION INCORPORATED INDEPENDENT AUDITOR'S REPORT CONTINUED Matters on which we are required to report by exception We have nothing to report in respect of the following matters in relation to which the Charities (Accounts and Reports) Regulations 2008 require us to report to you, if, in our opinion.. the information given in the financial ststements is inconsistent in any material respect with the trustee directors, report,. or sufficient accounting records have not been kept.. or the accounting records are not in agreement with the financial records,. or we have not received all the information and explanation we require for our audit. Responsibllltles of trustee directors As explained more fully in the statement of trustee directors, responsibilities, the trustee directors, who are also the directors of the charity for the purpose ofcompany law. are respongible forthe preparation of the financial statements and for being satisfied that they give a true and fair view, and for such intemal control as the trustee directors determine is necessary to enable the preparation of financial statements that a free from material misstatement. whether due to fraud or error. In preparing the financial statements, the trustee directors are responsible for assessing the charity's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going conrn basis of accounting unless the trustee directors either intend to liquidate the charitable company or to cease operations, or have no realistic alternative but to do so. Auditor's responsibilities for the audit of the financial statements We have been appointed as auditor under section 144 of the Charities Act 2011 and report in accordance with the Act and relevant regulations made or having effect thereunder. Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinion. Reasonable assuran is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAS (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements. IrrUlaritIes, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud, is detailed below. 1. At the planning stage of the audit, we gain an understanding of the laws and regulations which apply to the company and how the management seek to comply with those laws and regulations. This helps us to plan appropriate risk assessments. 2. During the audit we focus on relevant risk areas and review the compliance with the laws and regulations by making relevant enquiries and undertaking corroboration, for example by reviewing Board Minutes and other documentation. 3. We assess the risk of material misstatement in the financial statements including as a result of fraud and undertake procedures including.. Reviewing the controls set in pla by management. b. Making enquiries of management as to whether they consider fraud or other irregularities may have taken place, or where such opportunity might exist., c. Challenging management assumptions with regard to accounting estimates., and d. Identifying and testing journal entries, particularly those which appear to be unusual by size or nature.
THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION INCORPORATED INDEPENDENT AUDITOR'S REPORT 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 ststements or non-complian with regulations. This risk increases the more that compliance with a law or regulation is removed from the events and transactions reflected in the financial statements, as we will be less likely to become aware of instances of non-compliance. The risk is also greater regarding irregularities occurring due to fraud rather than error, as fraud involves intentional concealment, forgery, collusion, omission or misrepresentation. A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at.. https".lJwww.frc.org.ukJauditorsresponsibiliti6s. This description forms part of our auditorfs report. Use of our report This report is made solely to the charitable company's trustees, as a body, in accordance with Part 4 of the Charities (Accounts and Reports) Regulations 2008. Our audtt work has been undertaken so that we might state to the charitable company's trustees those matters we are required to state to them in an auditoi's report and for no other purpose. To the lIest extent penritted by law, we do not accept or assume responsibility to anyone other than the charitable ccmpany and the charitable company's trustees as a body, for our audit work, for this report, or for the opinions we have formed. G) Q,ll)s (FILk&) Shaw Gibbs (Audit) Llmited Chartered Certified Accountants Statutory Auditor 13tsa 264 Banbury Road Oxford OX2 7DY Shaw Gibbs (Audit) Limited is eligible for appointment as auditor of the charity by virtue of its eligibility for appointment as auditor of a company under section 1212 of the Companies Act 2006.
THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION (INCORPORATED) Incor orated as a Com an limited b uarantee and not havin a share ca ital STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 30 SEPTEMBER 2024 The Notes on pages 9-13 forni part of these Accounts SOFA year ended 30 Sept 2024 Unrestricted Restricted Funds Funds SOFA year ended 30 Sept 2023 Totals Unrestricted Restricted '2024 Funds Funds B&FUA 2024 Totals '2023 Incoming ReSoUrS Investment Income and Interest 37,644 109,535 147,179 36,164 105,226 141,390 Total Incoming Resources 37,644 109,535 147,179 36,164 105,226 141,390 Resources Expended Portfolio Management Fees Allocations and Interest due to funds Administration Audit Fees Professional Fees - Accounting + Law Grants to General Assembly 4,048 14,641 18,689 4,396 15,898 20,294 102,015 102,015 1,309 7,520 95,972 95,972 1,731 9,254 1,309 1,731 7,520 9,254 4,000 4,000 7,000 7,000 32,335 32,335 27,432 27,432 Total Resources Expended 41,692 124,176 165,868 40,559 121,124 161,683 Net Resources expended Realised Gain (Loss) Net Income for the Year {4,048) (14,641) (18,689) 483 1,747 2,230 4,531 16,388 20,919 (4,395) (15,898) {20,293) 15,898 20,293 Unrealised Gain (Loss) on Investments 57,844 209,209 267,053 (20,797) (75,215) (96,012) Net Movement in Funds 53,313 192,821 246,134 25,192 91,113 116,305 BalanS broughl forward at 1stOct Net Movement Balan carried foNard at 680,171 2,460,004 3,140,175 53,313 192,821 246,134 705,363 2,551,117 3,256,480 {25,192) (91,113) (116,305) 733,484 2,652,825 3,386,309 680,171 2,460,004 3,140,175 30th Se tember
THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION (INCORPORATED) Incor orated as a Com an limited b uarantee and not havin a share ca ital Balance Sheet as at 30 Se tember 2024 2024 2024 2023 2023 Fixed Assets Listed Investments (Notes 3 and 10) 3,329,098 3,078,403 3,329,098 3,078,403 Current Assets Redmayne Bentley Dealing accounts Cafcash CAFGOLD 22,269 9,179 136,550 25,671 10,681 103,453 Cash subtotsl 167,998 139,805 Sundry Debtors 4,264 22,414 172,262 162,219 Creditors Sundry Credttors (Note 4) General Assembly Miscellaneous contras see suspen other Restricted funds (Note 10) Trade Creditors 13,587 32,326 189 68,936 13 14,416 27,423 189 58,248 171 115,051 100,447 1 Net Current Assets 57,211 61,772 Totsl Assets less current liabilities 3,386,309 3,140,175 Capital and Reserves Accumulated Funds - General Accumulated Funds - Restricted 733,484 2,652,825 680,171 2,460,004 3 386 309 3 140 175 The company is entitled to the exemption from the audit requirement contained in section 477 of the Cornpanies Act 2006, for the year ended 30 September 2024, although an audit has been carried out under section 144 of the Charities Act 2011. The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of financial statements Approved by the Executive Committee on 1 9th February 2025 and signed on its behalf by.. Ray Harding, Honorary Treasurer The notes on pages 9 to 13 form part of these accounts David Wykes, Chairman Company Number 141130
THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION (INCORPORATED) Incor orated as a Com an limited b uarantee and not havin a share ca ital NOTES TO THE ACCOUNTS Accounting Policies The accounts have been prepared in accordance with Accounting and Reporting by Charities: Ststement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2015}- (Charities SORP (FRS 102)), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102}, the Charities Act 2011 and the Companies Act 2006. The financial statements are prepared in Sterling, which is the fvnctional currency of the company. Monetary amounts in these financial statements are rounded to the nearest £. The financial statements have been prepared on the historical cost convention, modified to include listed investments at fair value (effectively market value). The principal accounting policies adopted are set out below. a. Investment Income Investment income is accounted for in the period in which the charity is entitled to receipt of the income. b. Fixed Asset Investments Investments are included at closing mid-market value at the Balance Sheet date. Changes in market value are credited orcharged to the Statement of Financial Activities. Gains andlor losses arising from the disposal of shares are recognised as being realised whereas gains andlor losses arising from the movement in share prices are recognised as being unrealised. c. Resources Expended Resources expended are included in the Statement of Financial Activities on an accruals basis, inclusive of VAT which cannot be recovered, and are classified under headings that aggregate all costs related to that activity as detailed in the Statement of Financial Activities. The General Assembly of Unitarian and Free Christian Churches, grant comprises the Unrestricted Fund proportion of income and the 5t/lo administration charge. d. Taxation The British and Foreign Unitarian Association (Incorporated) is a charitable institution with exemptions from UK Corporation Tax under Section 478 of the Corporation Tax Act 2010. e. Going Concern At the time of approving the financial statements, the Directorsrustees have a reasonable expectation that the charity has adequate resources to continue in operation existen for the foreseeable future. Thus, the DirectOrsrUsteeS continue to adopt the goin9 concern basis of accounting in preparing the financial statements. d. Fund Accounting A summary of restricted fund activity is shown on page 13. Capital funds represent the member churches share of the net assets held by The British and Foreign Unitarian Association (Incorporated) as a trustee. Income 15 allocated in proportion to the capital balances as at l October every year. Restricted income relates to the income allocated to the member organisations in proportion to their share of the capital and net assets of the B&FUA. Most Unitarian church organisations may use the income for their own general purposes. Certain Unitarian organisations participating in the B&FUA may instruct the Trustees which individuals should benefit from grants of that income. Company Status The Company is registered as a Charity and is, therefore, exempt from taxation.
THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION (INCORPORATED) Incor orated as a Com an limited b uarantee and not havin a share ca ital 3. Listed Investments 2024 2023 MaTkel value 1 Oct Additions Disposals Redised Loss Unre8Jised Gawis Market value 30 Se 3,078,403 116,794 1130,9211 12,2301 267,052 3,329,Q98 3,183,605 181,312 {190,502) 96,012 3,078,403 Historical cost 3,068,523 3,093,864 4. Sundry Credkors 2024 2023 Audit Fee Ae£ounting SeNices PortfolKJ Management Fees 7,460 3,607 2,520 6,960 4,000 3,456 13,587 14,416 10
THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION {INCORPORATED) Incor orated as a Com an limited b uarantee and not havin a share ca ital 5. Acwmulaled Funds 2024. 2024 2023 2023 Unrestricted 680,171 57,361 ReStted 2,460,004 207,462 14,641 2,652,825 Unrestticted 705,363 120,7961 4,396 680,171 Restrcted 2,551,117 175,2151 115,8981 2,460,004 1st October 2023 Gaiis ILos5esl on inveslmenls portfol Mana ement Fee 30 September 2024 733,484 6. Anawsis of net assets between funds 2024. 2024, 2024, 2023. 2023. 2023 Unreslricled 721,083 12,401 733,484 ReslriGled 2,608,015 44,810 2,652,825 Totsl Unrestricted 3,329,098 666,782 57,211. 13,389 3,386,309 680,171 Reslricled 2,411,621 48,383 2,460,004 Tota 3,078,403 61,772 3,140,175 Investments Current Assets Total
THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION (INCORPORATED) Incor orated as a Com an limited b uarantee and not havin a share ca ital Liability of Members In the event of the Association being wound up during the period of membership or within one year afterwards, every member undertakes to contribute to the assets of the Association an amount not exc*ding one pound for the payment of debts contracted up to the date of cessation of membership together with the costs of winding up. The number of members on 30 September 2024 was 32 (2023:31}. Trustees, Remuneration The trustees neither received nor waived any emoluments during the year. Travel and subsistence expenses amounting to £188 were reimbursed to two Trustees in 2024 (2023.. £nil). Related Party Transactions There were no related party transactions during the year. 12
THE BRITISH AND FOREIGN UNITARIAN ASSOCIATION (INCORPORATED) Incor orated as a Com an limited b uarantee and not havin a share ca ital 10. Restricted Funds- Fund Activity for the year ended 30 Se t 2024 Ca Income Disliib'n Balance Net Ca Balance Sept 2024 75,771 4,430 Balan All¢)calion Balance Oct 2023 70,264 4.108 Movement 5,507 322 Oct2023 179 Income 2,914 170 521 2,595 32 1,108 906 Grants 2,920 Se t2024 173 Banbu Cha el Char Banbu Relief in Need Chari Barker Cha el Fund Bath Fund Bicenlena Fund Bi¢kerton Fund Bowie Fund Bournemouth Fun Dr CA Greaves Be uesl Carlisle Unitarian Church Fund Camarthen Fund Con leton Unitarian Church Fund 180 985 4,904 61 2,095 32 160 176 6,481 522 2.601 31 154 208 7,589 54 718 62.566 776 26,727 21.846 292.109 12,842 22.538 56,898 24.708 30,761 1,634 16,886 134831 25.432 117.539 17,592 20,254 161,933 22,131 129,492 391,154 67,470 837 28,822 23,558 315.005 13,848 24.305 908 12.142 746 5,825 58 8,991 63 1,006 533 935 2,360 1,025 1,276 68 700 937 56 11,351 61 26,645 33,172 1,763 18,230 145 399 27,426 126752 1,027 TB Crai Fund Croft Unitarian Chs el Fund las Isle of Man Fund Exeter Fund Hen Walter Faire 2,411 129 1.324 742 125 43 344 10,839 300 2,018 57 743 331 7,394 uest 1,994 1,055 4,874 730 4,500 Filb Old Meetin House Fund AR Stock Trust Huddersfield Fund Ilford Unitarian Church Fund Lawrence House Fund Maidslone Unitarian Church Hall Fund Haslin s FLind 1,379 1,588 12,692 1,734 10,150 30,660 18,971 21,842 174,625 23,865 45 731 44 52 842 50 413 9,693 330 6,715 918 5,370 16.227 6,730 398 10,611 318 5,382 15,000 1,500 Ministers Sti end Au mentslion Fund McQuaker Trust Scotland Mor&tonhampstead Ismethurst Hall Fund Newbu Fund Pulne Unffcarian Church Fund Presb erian Fund Richmond Hill Church Parsonage Fund Rin wood Fund 421,814 50 160 817 2,044 259 170 7,112 ,807 557 533 7,669 7,340 209 553 98,153 18 17 295 282 296 283 16 496 5,802 477 91,019 7,134 3,775 600 8,977 28.514 2,235 30.749 73 52 1,185 70 847 50 38 62S Sunderland Fund 15,374 254 854 6,239 22,043 26.151 1,205 19,976 489 1,728 2,050 16,579 274 830 6.728 23,771 28,201 39 638 639 Stock ort Fund Tenlerden Old Meetin Wareham Fund Wellin ton New Zealand Fund Welsh Uni Mins Educj Social Fund 650 16 House Fund 259 914 1,084 259 916 4,768 161 5.852 155 2.460,003 192821 2,652 823 58.248 102,019 91,328 68.939 13