23 across
Reserve
money
for
summer
treat
(3,5)
Reserve money for summer treat (3,5)
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The definition is at the end of the clue.
How the clue works
Summer treat is your definition — that frozen thing on a stick you'd queue up for as a kid. The wordplay puts together ICE (to be icy or reserved with someone) and LOLLY (slang for money or dosh).