2024-12-31-accounts

Church of Ireland St Mellan's Parish Church, A8hader& Loughbrickland Annual Report and Financial statements For the year ended 31st December 2024 Northern Ireland Charities Number: 105085

Church of Ireland A Wcvl￿e ol A(NjI¢￿Tk Cmin)lpri￿1j St Mellan's Parish Church, Aghader& Loughbrickland Contents Page Tru5tees' Annual Report 1-4 Independent Examiner's Report to the Trustees Statement of Financial Activities Statement of Asset5 and Liabilities Notes to the Financial Statements 8-12

• Church of Ireland St Mellan's Parish Church, Agha￿e￿ Loughbrickland References and Administrative Details- Year ended 31st December 2024 Charity Name: St Mellan's Parlsh Church, Aghader& Loughbrickland Charity Registration Number. NIC105085 Contart Address: 15 Oaklènd5 Loughbrickland 8anbridge Co. Down BT32 3WN Tiustees: Rev Rodney Magennis Mrs Elizabeth Robb Mrs Iris Browne Mr Trevor Fegan Mrs Iris Ingram Mrs Anne Mccullough Iresigned March 20241 Mrs Valerie Bryson Mrs Alison Lrwingstone Mr Raymond Fegan Mr William Fegan Mrjohn GeogheBan Mrs Ann Clendir¢ning Ire5igned September 20241 Mi55 Hilary Fegan Mr Robert McKee (appointed March 20241 Principal Office4>earers: Rev Rodney Magennis- Rector Mr Raymond FeEan- Treasurer Mrs Elizabeth Robb- Assistanl Treasurer Mrs Valerie Bry50n - Secretary Mr Robert McKee- Rectoes Church warden Mr5 Iris IngraFn - People'5 Church warden Mrs Valerie Bry50n- Rectorfs Glebe warden Mr Trevor Fegan- People'5 Glebe warden Independent Examiner: Mr Thomas Vint, F.C.C.A. S M Vint & Company Chanered CertifiÈd Accountants 8 Newry Road Banbridge Co Down 8T32 3HN 8ankers: Danske Bank DonÈgall Square Wesl Belf35t BTI 6JS

• Church of Ireland ST MELLAN'5 PARISH CHURCH. AGHADERG, LOUGHBRICKLAND TRUSTEES. ANNUAL REPORT The trustees present the Annual Report and Statement of Receipts and Payments and Assets and st Liabilities for St Mellan's Church. Aghaderg Parish for the year ended 31 December 2024. Objectives and Activities The charitable purpose of the Church of Ireland is the advancement of religion. The principal function of St Mellan's Church. Aghaderg Parish is to SUPPOrt the advancement of the Christian religion by promoting, through the woik of St Mellan's Church, Aghadorg Parish, the whole mission of the church, pastoral. evangelistic, social and ecumenical. Being open to and engaging with society as a whole and offering support for those needing help are fundamental to the practical delivery of the benefits of Christianitv. As a result of activity in the pursuit of the advancement of the Christian religion, St Mellan's Church, Aghaderg Parish has custody of property and of records materials and artefacts of significance to the cultural and reltgious heritage and rnaintenance of which is undertaken by the select vestry of St Mellan's Church, Aghaderg Parish. Achievernents. Perforniance & Publii Benefft 2024 (2023 in brackets) The Parish continued to have regular services of worship throughout the year 2024. This year we continued to meet every Sunday except for two SuTbday5 when the three parishes came together over summer to joint services while the mintster-in-charge was on holiday. There were 50 1521 main Sunday morning worship services in 2024 (2023) with an average congregation of 351311. The average number of communicants each month was 21 1251. As well a5 10181 other Occasional Services, there was 1101 Baptism, 0101 Marriages, 4131 BuTials14 parishioners, O non-pari5hionersl. On Christmas Day a service was held at A8haderg Church at 8.30am and the attendance was 91191. For a few months a mid-week Holy Comrnunion seNice was held, shared with Scarva and the average attendance wa5 7 (7}. Pastoral work continued throughout 2024 as best as possible. The priority of the rninister in charge is the eldedy. sick and bereaved. Other visiting takes place as and when time permits. Page I

Church of Ireland ST MELIAN'S PARISH CHURCH. AGHADERG. LOUGHBRICKLAND TRUSTEES, ANNUAL REPORT (continued) Church organisations include a Ladie5 Guild group. a Sunday School and a Youth Fellowshlp. The Sunday School teachers have been vetted through Acce55 Nl and we have officers in place in line with the Church of Ireland Policy on Safeguarding Trust. The parish-wide 'Steadfast' Youth Fellowship is continuing and going very well. wtth a regular attendance and everyone keen to see it progress in the future. In Spring and Autumn 2024 3 short Bible study series continued and was held at the minister's home. All three parishes were represented at those meetings and it was good time spent with others seeking to further develop their faith in Jesus. A special Harvest thanksgiving weekend was held in October iyith a 'Vintage Harvest Festival, based on the hymn 'We plough the fields and scatter,. A ladies, meeting for all three churches was held twice during the vear. org2nisp.d bv the minister's wife. Repairs and general maintenance were continued on the Church property during 2024. Financial Review 2024 (2023 in brackets) The income into the Parish's funds from various sources was £60,987 {£268,7001 with OLrtgoings of £64,128 (£109,166) giving a deficit of £3.14115urplus £159.534). The bank and cash in hand balance at 31 December 2024 was £176,5151£183,3181. The balance of investments held vlithin the RCB Investrneni funds was £39.412 {£37.976}. It IS the trustee's policy to hold su￿1Clent reserves to cover unexperted emergencie5, to build up funds to pay for future maintenance to the Church, Parish hall and grounds. and to further the objective5 and activities of the Church of Ireland. Golng Concern The trustees have reviewed the budgets for the year ahead and are satisfied that there are adequate funds in place to ensure that the Parish can continue its activities and the financial statements for the year ended 2024 can be signed off as a going concern. 5trurture, Governance and Management Governing Document ond Constitution of the Charity Chapter 111 of the Constitution of the Church of Ireland governs Parishes and Parochial Organisations. The selèct vestry members are the charity trustÈe5. Page 2

Dlo Church of Ireland A provioce ol l*+e Anglcan J4JfiiOrt ST MELLAN'S PARISH CHURCH. AGHADERG, LOUGHBRICKLAND TRUSTEES. ANNUAL REPO1￿ Iwntinued) Recruitment ondAppointment of Selert Vesty (Trustees) All members of the Church of Ireland who are over the age of 18 and are either resident within the parish or live elsewhere but have been accustomed members of the congregation for at least three months. may reeister as members of the general vestry of the parish, allowing them to attend and vote at meeting of the general vestry and to stand for election to the select vestry. Meetings of the 8eneral vestry are held at least once a year. The select vestry is selected as part of the general vestry meeting. The select vestry will hold their Positions for a period of one year. Selert vestry members may be re-elerted annually and there is no limit orb the number of terms which may be served. Pay and remuneration The Reverend Rodney Magennis remains as Minister in charge of the grouped parishes of Aghaderg, Donaghmore and Scarva and continues to receive a stipend as well as office and locomotory allowances. Organlsatlonal Structure The selett vestry is responsible for the day to day managernent of the Parish. The select vestry consists of the member of the clergy serving in the Parish, the church wardens, the Glebe wardens and generally not more than twelve other members of the general vestry as elected. The select vestry 15 chaired by the member of the clerbry officiating at the Parish. Select vestr¥' members are responsible for making decisions on matter5 of general concern and importance to the Parish including deciding how Parish funds are to be applied. The selett vestry meets at times fixed bythe members or by the Diocesan Synod. Special rneetings may be convened at any time by the chairperson or the church wardens. Compliante with Public Beneflt The Parish has given careful consideration to the Charity Commission for Northern Ire13nd's guidance on public benefit io ensure that the activities entered into during the year have helped achieve the parish'5 objectives and activities, a5 well as providing public benefit. Poge 3

4a Church of Ireland A prc¢fKe ol the Aiulr.an CoJ?Trn?iinKFI ST MELLAN'S PARISH CHURCH. AGHADERG, LOUGHBRICKLAND TRUSTEES. ANNUAL REPORT Icontinued) Statement of Trustees. Responsibilities The trustees are re5pon5ible for preparing the Tru5tees' Report and the statement of receipts and payments and statemenl of assets and liabilkties in accordance with applicable law and regulations. The law applicable to charities in Northern Ireland with income of less than £250.000 requires the trustees to prepare a statement of receipts and payments and a statement of assets and liabilities for each financial year. The trustees are responsible for keeping accounting records that are sufficient to show and explain the Parish's transattions and disclose with reasonable accuracy at any time the assets and liabilities of the Parish. They are a150 responsible for safeguarding the assets of the Parish and hence for taking re2sonable steps for the prevention and detettion of fraud and other irregularities. Signed on behalf of the trustees ' by41f Trustee Z 8th April 2025 Page 4

• Church of Ireland c4w]nI￿rj￿ Independent Examiner's Report to the Trustee5 of 4haderg Parish Church I report on the accounts of the charsty for the year end￿ 31st December 2024 which are set out on pages 6 10 12. Respertlve Tesponsibilltles of Trustees and Ex3miTrer A5 the charitls trustee5 you ale responsible forthe preparation of the accounts in accordance with the Charities Act (Northern Irelandl 2(1)8. It 15 my responsibility to.. • exarnine the accou￿15 under section 65 of the Chaiities Act- • follow the procedures laid down tn the general DIrect￿n5 gwen by the charity CA)mmission for Northern Ireland under section 651911bl of the Charities Act- and
• state whether parricular matters have come io my attentlon. Basis of Independent Examlnerf5 report I have examined your charily accounts 35 required under SeCt￿n 65 of the Char$t￿5 Art and my examination was cirried out in accordarlce with the general D1￿ctionS Eiven by the ChaTity Commission tor Northern Ireland under section 6519llbl ot the Charities Act. My exèmination inthjded a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also included con5ideratK)n of any unusual items 01 disclosures in the accounts. and seeking explanalions from you as charity trustees conceming any such matters. My role is to state whether any material tDatters have come to my altention giving me cause to believe., l. That accountsng fecords were not kept in accordance with 5eclron 63 of the charitie5 Act
• That the accounts do noi accord with those accounting records
• That the accounts do not cornply with the accountlAE requirements of the Charities Att

• That there further information needed for a proper undersLirbdinE of the accounts to be reached. Independent examiner's statement I have completed my examination and have no concern5 in respert of the matters (i) to141 listed above and, in connection wtth following the Direaions of the Charity Commission for Northefn Ire13nd, I have found no matters that require dr3wing io your attefttion. Mr Thomas Vint F.CC.A Forand behalfof S.M. Vint&Co Chartered Certilied Accountants & Reglstered Audlt¢rs 8 Newry Road Banbridge BT32 3HN OB Aprtl 2025 Page 5

• Church of Ireland St Mellan'5 Parish Church, AShade￿ LfMJghbrickTand Statement of Financial Activities for the year endÈd 315t DEcernber 2024 Unresrrltred RdtridÈd Endowmeni T￿all￿ndS fvnd5 Fynds 2024 Note To￿1 2023 Inwme fro Don3tions and plaie colerttons Ft3rve# Festival Bank and deposit intsrpst In¥Èstmeni income Rentsl income Othe¥ re.ceipts Receipts Ifom other Parishe5 Sale of lands Colleclr￿￿ for thiw+J ￿rtIeS Totsl incomÈ 23.819 11.055 244 1.393 12.YJO 5.263 2.162 26,181 11,055 270 2.828 12,9 6.016 31,713 26 104 2.552 13,( 7,853 216 210,(￿0 3.162 268,7 1.387 753 1.737 4.926 J.737 .987 54,674 1.387 E￿n￿l￿re or¢: Wdges and sal3riE5 Dlocpian l05tsla￿eSSn￿ts hurth runninB Costs Glebe fosts AdmiTri5tration tosts Charitsble conations collec11￿5 fOTth￿￿ patbes HatvEst Festival expeiditufe Gifts nk loan repayment5 InvestmÈnt e%￿ndIture Totrl eXpendI￿re Net In£omÈ I lexpendilvrel resources 29,(k85 29,DBS 3,204 17.2 4,553 3,998 326 1,737 4,025 23.728 3,Q60 9,9B3 3.125 16.414 4,418 3.998 326 io 135 Im5 3.13¥ 1.737 4.025 132 62,051 li 1658 64.128 -3.141 796 Remndlk4tKn of Total funds broukhtlorwaid Mo¥Èment in the ye•r Tfdfb51ers In Transters oui TOtsI funds¢3rriod lor•d 166.269 6.7Y6 15.744 2,268 39,2XI 1.387 221,294 -3.141 61,7GO 159.534 159.473 012 40.668 218 153 Py6

Db Church of Ireland Awu¥gn("e ol AfJglLgn Cv... St Mellan's Parish Church, Aghader& ioughbrickland Statement of Assets and Liabilitie5 as at 315t December 2024 Note As at 3111V2024 As at 3111212023 Fixed assets Tangible assets Investments 12 13 376.481 39,412 415.893 376,481 37,976 414,457 Current Assets Cash 3; bank and in hand Gift Aid Due from other Parishes 176.515 3.694 159 180.368 183.318 159 183.477 Llablllties Cieditor5 14 1,465 Net current assets 178.903 183,477 Total assets less Current liabilitles 594.796 597,934 Total re5erve5 594.796 597.934 Notes on page5 8 to 12 are an tntegral part of these financial stalements. The financial stotements on pages 6 to 7 were approwl byihe Board of Trustees on 8th April 2025 and signed on its behaK by.. Rev Rodney Magennis- Rertor Mr Raymond Fe83n- Treasurer Pa8e 7

• Church of Ireland st Mellan's Parith Church. Aghader& iouBhbrickland Notes ttsthÈ fthan¢i* statements for the ￿ar et)ded 31 December 2024 l. Accountlng polldes The principal accDuntiTrg poli£te5 adopted. judgeFnents and key sources of estimation un￿rtaInty the preparation af the fiFbanrial statement5 are a5 follow5= al Basls of preparation The financial statement5 have bèen prepared on 2 going corcern basis in accordance with Aecounting and Reportine by Charities= Statement of Recommended Pracrice applicable to ch3ritiès preparing their accounts in accordance with the Financial Reporting Stanilard applicable ift thè UK and Republic of Ireland IFRS 1021- ICh£rities SORP IFRS 10211, the Financial Reporting Standard applicable in the UK and Republic of Ireland IFRS 1021. The Parish meets tb.E definition of a publkc benefit entity under FRS 102. Assets and li3bilit1e5 are Initially recognised at h>stoiical cost ar￿ tTan53rtion valve unle55 Qtherwise stated in the ielewant acrounting poliry notds). bl Preparation of a￿D￿ntS on a Koingr¢)nom basis The Partsh gerneially meets Ils day to day working capital requireTnents frorn its annual income. The Trustees have obtained and reviewed c45h flow foiecost5 for ihe coming year and based on these are 5aii5fied that tho Parish has resource5 to provlde a reasonable expeuaiion that It can iontillue to meei its financial obligations a5 they fall due for thE foreseeable future. Therefore these financial 5laternents have been prepared on a going corKeTn basis cl Income Income 15 accounted for on 8 cash receipts basis as the amouni is collected and awe allocated as etiher restricted or unrestricted fund5 according to the terms of the donation. dl Expendltu Expenditure is recogni5ed on a cash payments basis. el Tangible asset5 The assets OF the Parish comprFSe-.- Church building and gra￿ard Parish h311 . Glebe House 'New' Rectory Fixttjres and fitting5 The Church Building and Giound5 are deemed to be Hwitage asset5 as defined by the Charities SORP IFRS1021. These Heritage assets are not included on the balanre Sheet as information on the cost or valuation is not available and such inforrnation cannot be obtaine(l at a cosi commensurale with ihe benefit to ihe u5er5 of the accounts and to the parish. The Parish hall was bullt in 1824125_ Theie are reliable records of the lost ol thi5 cLiiislrucLion/aioui51tion and valuation approach for such butldings lacks sufficient reliability. A5 a result. thi5 bualding is not recognised In the parish statement of assets and liabilities. The Glebe House i) recognised at repl3iement cost based on the insUr￿Ce valuation provided on 3111012018. The 'New' Rectory is 45% of the cost as financed by the Aghaderg Parish. Fixlures ané Fittings are recognised at C05t a￿d are depreciated on a straight line basis over a period of 10 yeais. Fixtures and fittings are deemed to be Heritage assets as defined by ihe Charities SORP IFRS1021. These fimures and rittin8s are artefacts contained wtthin thÈ Church bu41ding and their preserwdtion and contribution tu cultur2 are ancillary to faith and other purposes. Heritage assets are not included in the siatement of assets and Siabilities as inf6rrnation on the cost or valuation is not available and such inlomiation cannoi be obtained at 3 Cost cornmensurate Paee 8

Db Church of Ireland St Mellan's Parish Churth. Aghader& Loughbrlddand Notes to the financial ststements for the year ended 31 De£ember 2024 (conlinued fj Investments Fixed asset investments CDmprising investment properties. investment5 in equities and investment in RCBICIT Unit Trusts are initially recorded at C05t and are then subsequently stated at fair value at each year end d812. Th revalution s¢Jrplus or shortfall is ihen irKluded alongside other irJc(JTnin8 and outgoing resourcE5. gl Cash and cash equivalents Cash and cash equivalents includes cash in hand. depostts held at iall with banks. other short-term highly liquid investrnenis with original maturities of three rnonths or less and bank overérafts. Bank oveidrafts are shown within Creditors Amounts falling dLre withln l year. hl Wnancial Instiuments The Parish only has financial assets and financial liabilities of a kiwyj that qualify as basic financial instruments. Basic financial InstTuments are initially recognised at ttansact50n prlce and subsequently measured at thèir sèttlement value. l) Funds Fur¢ds are dassified as either festritted fund5 or unrestricted hjnds. defsned as follows.. Restrrcted funds are funds subject io specific requirement5 as to their use whlch may be d￿tAyed by the donor or with their authority or created through legal processès. but still ￿'￿thIn the iVKler objects of the Parish. Unrestricted fund5 are expendabk at the dsscrelion of the trustees in furtherance of the objecis of the charity. If parls of the unrestricted fund5 are earmarked at the discretion of the irusrees for 3 particular purpose. they are designated a5 a separate fund. This designation has an administrati¥e PUTP05e only and does not legally re5tiict the trustees, di5uetion to appty the fund. 2. Cflti¢al accounting judgements and eslimat#?n uncertalrtty Estkmates and judgments made in the pro￿5 of preparing the financial stètements are continuaify evaluate(s and are based on historical experience and other factOFS, including expectations of future event5 thai are believed io be reasonable under the iircum51ances_ The Trustep5 do not consider that there are any critical judgments made in apptying the Paiish's accounting polities N that there are any crilical accounting e5tiwnate% assumptions which may have a significant Fisk of cau51ng material adjustment to carrying amounts of a5se15 and liabilitie5 Wlthin the next financial year. 3. Movement in Fulld5 Incoming At l JaD 2024 Resource5 Oytgolni Resour£es At 31 Dec 2024 Endowment Funds The Florence StewaTt 8equesl The Thomas H Browne eequest TheAlymer Grattan Bequest The Harry Beamish Bequest 1.000 Looo 200 250 i.ooo I.ooD 250 Investment in RCB General Unlt Trust Cash per Rev HW Lert Cash per Very Rev J Lefroy EH Lefroy Benefaction In memory Robert Hill Graiian Jame5 & Mary Geoghegan Mem Fund Kathleen Neill Bequest MarqiJi5 of Dowrh5hire donation Mary Winifred Broivn 8eque5r Mrs H Lefroy Tr￿st Mr5 M MclntyFe Bequest 587 318 851 4.899 4.255 9.568 532 2.884 1,853 85 li 598 324 867 4.99D 4.334 9.745 542 2.938 1,888 87 16 91 79 177 io 35 Page 9

• Church of Ireland A I￿0+•i￿e oP¢be Ang1¢3n lth?TrTr)L￿oQffj St Mellan's Parlsh Churth. AEhader& Loughbri(kland Notes to the finanoal statements for the year ended 31 D￿rnber 2024 {continuedl Rev C Lett Bequest WG Dickson Bequest 851 16 21 1.152 Investments in CIT Unh Trusts Arthur Hugh Ross Bequest John Ro55 Bequest Narah Hill Bequest William J Grant Memorial Sa¥ah Agne5 Fleming Bequest William Gèoghegan Bequest Williarn Geoghe83n Bequest James & Isaa¢ Gr3ttal1 Memorial Archibald Grattan Eeque M05es Moorhead tjonalion Anonymous Donation laTne5 McAllister Bequest Agne5 J White Bequest James Gratian Bequest James Devlin Bequest Williarn Biowne MemoFial In Memory Jane Mehafley Margaret Johnstork Donation 1,866 933 1.514 1.656 316 521 142 205 394 189 47 63 331 47 174 599 li 180 90 146 160 30 50 14 20 38 18 2.046 1,023 1.660 1,816 346 571 156 225 432 207 52 69 363 52 190 657 12 32 16 39,280 1.387 40,667 Restilcted Fund5 General Fund FUndra￿sIng Fund Butrlding Fund Third Parly Collections Ladies Guild Investment Fund InvestmÈnts in RC& General Unit Trust Church In%uianTr Bonus Church Officers Composition Balance Parochial Funds Portion of Glebe Equity for 1892 Transfer from DI0￿San Stipend Fund Investment IT nft TrL*5tS Parsshioners Parishioners Parishioners 766 393 11.855 24 1.561 1.963 1.573 1,156 393 13.6S8 24 2,890 1.0È7 26 1,587 30 305 385 3(Kl 378 78 iio 221 23 15,745 li 21 121 242 2S 18,012 4.927 2,660 UnrestrKted Funds GenEral Fun(t Fixed Terrn Deposii Account Ladies Ciuild Calering Fund Ladie5 Guild General Fund Ladies Guild C3sh Fund 164.104 49.559 iOO,OLK> 159.363 54,300 ioo,o 414 1.601 69 166.268 937 292 150.788 132 237 159,812 2,406 124 IS7.244 Total Funds 221,293 157.102 162,472 215,923 PBge 10

Db Church of Ireland St Mellan's Parish Churth, ￿hade￿ Loughbrickjand Notes to the flnancial siateo*ntsfor theyear ended 31 D￿ernber 2024 Iconlinuedl 4. colle￿[￿1$ for Thlrd Partles 2024 2023 Southern Area Hospice RBL Poppy Appeal Royal Black Institution Bishop's Appe31 B P051tive Soulhern Area Hospice Ion Handl 492 426 436 1,575 81 1,482 383 24 3.162 1.737 5. Transactions with the Trustees T4e tTUStve MT5 Anne McCulk)ugh received expenses of £782 for the ptOVi5ion of musical 5er¥ice5 a5 organist of the Parish. 6. GOverna￿e Costs Governance c05t5 of f1.200 were paid during the yeai. This relate5 to fees paid to the Independent Examinef. 7. Church Running Costs 20Z4 2023 Lighr and heat Church insurance Wèter rates Gr3vey31d pxppnse5 Repairs and maintenante Afteinoon Tea banner 4.097 1,963 118 3,050 7,852 1.180 1.922 io) 3,000 3,556 Sundry so 17.200 225 9.983 8. Other Receipts 2024 2023 NIE Wayleavp Graveyard fees an(J donations In IIEU of flolveis Gift aid Ladies. Gulld membership fees Grants receive Misc amounts lodge Fundraising Sundry donations Word for Today 370 370 3.986 85 500 630 5.507 115 1,061 27 1,112 80 10 6,016 io 7,853 Page 11

Church of Ireland A oftho St MEllan'5 Par15h Churth, Aghader& iouEhbrickland Note5 to the financial ststements for the year ended 31 December 2024 {tontlnuedl 9. Wa￿S and Salaries 2024 2023 Stipend Cover duiy/Guest speakers Clergy pension fun Otganisl Speakers- Ladie5 Guild 22,239 80 5,633 1,082 51 29,085 16.640 180 5,482 1.311 115 23,728 10. Share of Grebe Costs 2024 2023 Rates Reparrs and maintenance Rent o,, Glebe House for Rev Magennis 2,148 2,405 2.315 810 3,125 4,553 11. Investment Income 2024 2023 Church of Iieland Trustees Divrdend RCB Unil Trust Income Revaluation of RCB Unit Trust Revaluation of CIT Unit Trust SchetTre Income 278 861 532 904 253 2,828 274 793 840 411 234 2,552 Investment EJM )enditur Devaluation of RCB Unit Trusts IL0s51 Dèvaluation of CIT Unil Trusts IL0551 11 Tangible A%sèts 2024 2023 Grebe House New, Rectory 268,020 108,461 376,481 268,020 108 461 376,481 13. Investrnthts 2024 2023 Inve5trn8nt5 in Rca Unit Trust5 Investments in CIT Unit Trusts 29,138 10.274 39,412 28,606 9,370 37.976 14. Creditors 2024 2023 Rates 1,465 Page 12