Mothers,
Chrlstian care for famllies
MOTHERS. UNION (DIOCESE OF sr ALBANSI
Rogistor•J charrty 249814
TRUSTEESANNUAL REPORT
AND
FINANCIAL STATEMENTS
Forthe year ended
31 DECEMBER 2024

MOTHEKV UNK￿ IDIOCEse OF ST ALBANSI
Truslg88 Annual Rpwi and Flnanc5al 8tatomoftt•
Fofthe
ear ended 31 DerwtM 2024
coKrENTS
P8
Tru$tee8' Annu* Report
hdeFendent Examin8rf8 Raport
io
8aLqrKo Sheet
12
1>18
MB.. In th• rwrt'Th• AIoih•rt Unloo.

MOYHEIIS IAIION IEIOCESE OF ST ALBAIISI
Tru¥tee• Annual Report •nd Fin•nci•l Stat•m•ftts
F¢N the yèar end8d 31 Dec￿1￿[ 2024
Charlty rngi8tratl¢n Antr
249814
Prin¢ipal off
140 Norfh Ro•J
HertfDrdshlr
SG1428Z
07438 474225
mu8tslb•n•Qgm•il.wm
Tiu•te•s
Eliubvth Flthrn
Vk¢ prnsld•nt
JAn•t IlcKlnn•y
Chri8 Pow•ll
ArnJ•n•t Wr
IArn K•thi• L•lly
ppoiTht•d 1 J•nu*y
2024. n*JvJ 31
D•¢•mber20241
Mv• thnet D•an
Wppolnt•d 7 Octob•r
20241
Tr••sur•r
Burbhlg•
Mr. Dawd
Idlthj JApril 20241
Iwolntsl 24 May 20241
Mr Coln 81rd
B￿kO￿
b8rcl•y• Bank plc
PO Box 104
18118 St Stwt
StAlbAns
Hwtftyd$hlr•
AL340Z
Indep•ndent •x•mln•r
T0ryThur￿Y

MOTHERS. UNION {DIOCESE OF8T ALBANSI
TRU8TEe8 ANNUAL REPORT
Futhe yaarended 31 D¢¢embei 2W24
Vlce Pr•8ld•ne• R•vl•w of th• y•ar
the third year of the Trthnlum 2￿2-2￿4
[￿$ to th& r•ts"remant of our Dh)xsan PreJtht end ol February,
Ouf Trusts& Board then of a VKe Preshlent. 4 Trustees lour N￿￿lIne Edttor being
CtrOPknY fe¢ one yeao. one ObseTher anil Chapknin have met r•gu18fty to
promot• tha vmion of Mothorn. Union IMUI of a world whgra Gorts km * sh￿n through
bvlno, re¥pthil Ih)ur&%hlno ￿latIonShi[4 the woM0￿n of Chrtytian family values
2024 thero wor¢ 637 rnYtsBofwhKh 306 merr￿ In addttiory we l￿d
Fr￿ndS l￿FIl. All membern. except for the PC$5 Pakl an annud $ub8cdptlon
of £39 of which £23 was s8nt to Mary Sumner HcMts8 Ination
headquart•r8}. Th8 Irwd of br4nth•6 ck)&n9 and nknithg ¢Jn to Dkt•8•n m8mb•n GYoup•
or Individud Dioce8an Mènknrnhp ￿ntInUed Reducéd intsJn* from ￿b$CriptIO￿ feBulted
In thè *isK)n lo hire Of￿ offic• at Hill. 8t ￿ban$ Gratefvl thanks go to
Davld Burt)khJ•, our Dk<*w T￿aUr*r. v11￿. unfortunatsty at th8 of ￿nI, and
olin ￿WhO agrmd to take over th* 480 thank Brenda CA)tUe, our Mue
Meneger, Ellie Perkim. who nJM our 'Aw8y From rt Air IAFIA) holidtyi snd all thg tru$t••B,
officers and at D￿8$an. CbJ5ter. G￿￿p b8vel8 t* their ¢ontlnuod wp
dedleatlon to the of MU
Octot•r ny#df tnJste• Jarnt wtth 3 Blslw 8nd the ￿nIOr Thoc•8an
Cleryy, an<1 In November. on l)8h*f of the dlc4xe. I gtter*Jgd a pro¥in¢ial meeting ai Hbgh
L&igh Icantsrbury Provine•J A pro￿rtIOn of Bwd ma•tin￿ w•r• h￿d ￿¥r Zoom Ind 2
Di3ce8an me8tlngJ. open to all morthrs, were h•ld. induding our Annual Gener
Meetlng In November Ithe June Iwing been (wrdled) At this n*eling Jan t
IObser¥ei) was ￿prOv￿j a& a Tn*tee and of Kathi8 lalty as o>opt•J TNstaO
for 2tr24 wa8 K¢eptsd
AA ￿41¥#￿ 3 issues of ￿kn￿lIne. oui ¢Jc<*8an noJ8tin• ￿ InVats￿le tod for
pir4 them up to dats Ihe wh1¢ v•r*ty of our proJe¢ts ', gr8aty Indebtsd to
our gditrff KJthi• L81
Outroach projttts ￿¥doIng frullful Talatk￿ShjpJ wlth 4 worn￿.6 refvJe5. supplying
stortor kBcks for wcrfnen moving on into tho ¢ommunrty cc￿tsIn*ng lJtthon ut8nsll8, b*Jdlng
tc havodonatsj b&J*Jing tr usewithii the refuge•s and

d$0 Ea$tef eggs, Advent Calendars and we have Ilnanc&d eoachÉs for outings We also
supply goods 10 the Aioie8 ￿￿whO sUPPCrft of Modem-O¥y Sl•v•ry We have
oxton8Ne with 6 hoipits18 kx￿￿kn1tled lewn for n60• Mtsl tynd children's
units. activity bags, soft tOyB for children unde￿4￿9 stTrBsfulprocedur•s Kn￿￿￿
t4￿k*s garments are also p￿vided fof overseas work. Iltarn 6ts11prDv•Jin9 SUPPOrt
Ukrain18n refugee famil￿ and Chri6tm8s szthfrjr PFWW&
l am tnjly 9ratstul lor tha aWsden¢our8g•ment of the marnber8 At all ￿ve18.
We wntinue b addf•SS thè d*4vJ of our dedwking a n d aging m•mb•rship and pray th8t
we are able to do fjod'$ wtsrk in our thur¢h$. bcal ￿mmUnItI￿. nationally and
tematlonally In th• y•ars to comé.

MOTHERS, UNION IDIOCESE OF 8T ALBANSI
TRUSTEES ANNUAL REPORT
Forthe yearended 31 t*srtrf2024
¢on•tltuth7n and rnlB•k>n
The name olthe tharty ￿ ￿thets. ￿lon." StAlbans Dlfx*sg It 15 an unwThiryorJt
regi8t•red u d￿rIty nunl)er 249814. r( * affilKgtgd tha Molhers Unlon. 4
chartty I￿rpOratsd L¥ Gharter Ichanty no 24053 11 throu￿ Tts shared aim aThJ
purpose. and ty vlrbje of rts awrt8rKe a5 an affilmts by the Centr￿ d*rrty and
odherenc6 to the rul88 and of the M￿¢ment TIE Mottws. Unh)n in tho Dknce88
of St Alb8n8 dra￿ rts mèrntsrship fmm and operatss ¥￿thin Hgrtfwtshlre and Bedforfshire
In the area Corres￿￿￿n0 to the of Enoland Duesèof St Ab*)s Mernb&rship 1$
open lo all
nwn and woThn WFKJ have been bapt*ed in narm of the Hoty 8nd who $upport
th• Vi811)n and Aim and PUrpoSe￿The Moth•rn' Union It ¢ aL* open to Fr￿. a c•tsg
of non-votlr4J membershlp fur those who Bupwrttho Viskn ¥nd AJM and Purpose ofTh•
Mother5 Union but ￿not. CK do not wlsh to. bth>)me fvll membern TfU5tg05 we èlthd by
the membèrship on 4 tnenThal ba*s. after of norTh￿al￿n and voting Truttees r
serve no more CorwUt￿ threwear tsmN in kny one offic8 ty r•SFoTrsibility
(thè essence oftyjr workl
Our vl$h)n * of a worbj *th•r• Gorfi kp48 throiw k*tng. •rKI IlournhiTra
relatior￿hlps
kn) & PLFfFW (¥•that we wart to xhv4•}
To d￿On$t18￿ th• Chr18tkn falth h ty tr• trar*fomwtlon of ethimuniti
through the nurthro of lamty In mny forn
l. To pr(xrth and •upport Fif•
2 ToerKouray ￿rnnts N) thelr rol& to dwoknp of their chkl
3 To maintain o wori(hM"de fe1th￿h*p ofchristiani unrtgj in wayor. worslM"p arld 5orvlc•.
4 To pr￿0t* condltion8 in 80¢*ty fwournbkn to stsble f• kf• th• protectiC￿ of
chlldren
S. To halp thos• ¥thrA8 fsrft If• ho8 r￿* wth •Jver81ty
Mothers UnN)n * ftrmty rootgd ui a v0l￿tsry oth0& Its 90NwrHn￿. ￿¢jetship xtlvlti
are dft￿ by and Und&tak￿ by Its

MOThÈRg' UNION IDIOCESE OF ST ALWISI
TRUSTEES ANNUAL AEpoirr
Forthe yw onded 31 Del￿ 2024
Mother5, UnK)n the t*x*o of St Allans s a dBty aTra. as *Jth, i& raqulred by the
¢harlty Commlsskn to have a the rnswve8 (ff rrK*¢ey thot rt retsins.
Responsibility for •st￿￿h¥￿ ￿ appropriate Resttw Polw * wrth thè T￿stee$.
Trust￿ must te abte to demonstrate why the I￿k11ng of a partiCu￿r of reserves % rloht
for th& chty, LyTeference to th• chanty$ ujrrent and WOSFrt
MU Diocese of St. Ajbans has hvo m•jor Sour￿ of fijnds . merrthrn, subscn"pbon8 and th•
rnOn￿ rais•d for skxafic MU funds Som• or 'R¢strrted" {Th)n￿ for MU Fund6 are
r￿a￿d by MU DK¢e6e of St. Afr￿n8 for orward transm￿81(￿* to M*0¥ un￿￿. MU
of 8t. Ajbans h88 no oro)mg IMbilrtM n resFrtt of the projects fvrO&1 VA) thwe
mnies, for which the Mothgr¥ UnTh
MU Dictese of St. also has rts c¥m Restrthl 1xamp￿.. Away Frorn tt Al
lAF￿1, heks lor regulaty approv•J dk£8san woJe¢ts*)r whth th8rn are no c4)golng ILabllMo5
because arky exwNJltur& onty aw8L8 the rec•fv•d for th81 There d no need
for MU DILwe of St to m•intsin ffeg￿ In rwe¢t of th• r•rtrlcW fvnds. Any
b4￿ne¢S J*ld ¥houhJ be Sh￿¥n kn tho n￿1 ￿ul$e of
MU of St AbanB * leBp)n￿b￿ for I￿ting and Purpose of The Mothers.
Unkm and currènt eXF•nse8 are budw In Ilne 7hith the eXp￿d Irwnx from mmbw5
Th? nurn￿r of falllng, It•y Iw taken b match os ec*t bas• to
tha lower I￿1￿. KIU D￿￿￿ of St AJbsn8 wl8h to ￿1n￿l￿ tro￿￿t
actlvitle8, whieh a Iso undwyn Ihe fvThJ4•18ing ￿1*¥111*1. and rel8in 8 Iimit•d fl•xlbllity
to gnd stsrt new proJe¢ts The Motherf Un¢(ffl il ¢hangirvJ. MLI DiOre￿OfSt AbanE
must algo r•tsln sonx Il•xlbilrty ffj iewt of tl* xtMtseB that te rnquired of rt in th8
fibture
HavlNJ dtse regard to thè preS￿t t>￿rtion of MU Dixase of Sl Abans. i ￿serVeS polw whlch
retains ￿ of the currwrt annual of exp￿drturt. extluding rnovam•nts in fvnth,
thoughtto be appropriBte This p)fw alw aFpl* to fvrKl$ hekl ty c4Jr brnI￿h

MOTHERS. UNION IDIOCESE OF ST ALBAMSI
rRUSTEE$ ANNUAL REPORT
the year eThJed 31 D￿erter 2024
Trustre's TesporEibilities in re181ion to the financ¢al statements
L&Y applicable to chanties in England and INales requires the Trnstees to prepare fln8n¢ial
statements for each financial year whKh give 8 true and fair view of the financi81 &tMties of
the charity and the group at the eTrJ of the Y￿ In preparing those financi81 st8tements the
Tntstses are required to..
Select siitabl8 a¢xountlng Follcles and then ap￿Y them corsi5terrtty
M8keJudgemetrts and estknates that are reasonable 8ThJ fff4Klent.
State vthether appl*abie a￿0Unt￿￿j st8nd8rds and ststements of recommendfgj
practice h8ve been folk)wed. subjert to any departures dlsclosed and
explained in the accounts, aThJ,
Prepare the Ilnancial ststements on 8 going coneeffl basls unless rt s approprfate to
presume that the charity wlll not ¢¢￿tInUe in operatlon.
The Trustees are r8spon$lble for keeplrrd accountlN4 reconts whlch dtsch)se ￿ reasonable
accuracy 8t any time the flnaneial posltlon of the charfty and enable them to ensure that the
flnancial statements compty vAth the Charitle5 Act 2011 They are aLso responsible for
safffjuardiryJ the assets of (*arity 8fKI h8nce for taking reasonable sts￿ for the weventic
and detectlon offr8ud aThJ LYeach8s of law and iggulaiion.
Approved by the Tfusttss aThl SI￿￿1 on th¢K ￿hair by
Trustso.. Jarnt
Dattr. ￿n• 2025

MOTHERS UNION IDIOCe5E OF ST ALBANS)
INDEPENDENT EXAMINER'S REPORT
Report to the trurt*è¥ of MOTHERW UNION IDIOCE8E OF ST ALBANSI on th• a¢¢ounti 8•t
out on pag•$ 10 to 18 for thè y•ar ended 31 D￿eMtsr 2024
I report trj the tr￿Stee5 on my ex&nination of the accounts ￿the above charfty I'lhe TrLBr)
for the year ended 31 De(*mbor 2024.
As the charlty trustees of the Trust you are r¢S￿nSit￿e for the FY8parati￿ of the accounts
In accordance wlth the requirements of the Chaiities A£t 2011 Clhe Act")
I report in re¥*G* of my examln8ilC￿ of the Tntst's *counts rArriwJ out urnler seciic¥) 145
of the 2011 kt and in canyiNJ out my examination. I haNp followed the applicable
Directlorts gNen by the Chanty Commission under Secti￿ 145{5)(bl of the ALt.
I have completed my ex8mlrntlon. I wnfimi that no mterlal have come lo my
attention in connection V•ryth the ex8mInatlc￿ tpthlch gl¥es me case to belleve that In. any
material respect..
•a¢counting records were not kept in *ith Se¢1k￿ 130 of the fv£t or
.kne accounts do not accord ￿1th tho accountiry records
I have no concems and haN* com rn no other In connecaion V*fjth the
examlnatlon to whlch atterrtlcfi shoukl be drawn In order to enable i Frfoper understandlng
of th8 ￿￿untS to b8 reached.
84•11 ol Ind•p•nd•nt •x•mln•r'• rt•t•m•nt
My ex8mlnatlon w85 carr18d out In a￿OrdInee V4ith General Dlre(*lons glven by the Chartty
Commkssloners An examinatSon includ85 8 of the accountlng ra¢ords kept by the
Charity and a corrwnson of the ￿CoUnts K¥eserrt&J with those reconts ￿ 8fso indude5
considerailon of any unusual or disclosures in the and seekJ'ng expl8n8tlons
from the tntstees corternry any s￿h ftwtters. The wocedwos undertsken do not provide
all the evhjence that wouhj be requlred In an audm. and ￿)￿eqUent￿ I do Mt exF¥•ss an
audh oplnknn on the ac￿unts.
81gn•d.' Teny Thurfey
Date. *
Tery Thuffey
15 Hampden Cl
rtwid(
MK45 1FR

MOThERS' UNION IDIOCESE OF ST ALBAMS)
STA TEMENT OF FINANCIAL ACTtvmES
Forlh¥ y•ar •ndod 3I1D•e•mber 2024
R•gtrtet•
2024
Designated
Fun
¢OIIING RESOURCES
24.843
24059
Donath)r¢J
F￿d
4.IXI
4.150
Tax R￿th￿ed on thJnatK
853
7.420
7.420
10,655
TOTAL INCOMING RESOURCES
RESOURCES L18ED
Subs kn MSH
M.851
14,946
Ltsralw• Purch¥$•s
1828
Genernl & AdmLrlBtr¥l
13,496
1,975
1.297
Put4KthL*) Exp•n#•s
1.824
384
874
874
755
7,400
3,e67
2Q8J2
3ffi7
TOTAL RE8OURCES USED
28,993
38,393
NeT INCOMINGIOUTGOINGI
RE8OURCE8
3.904 tlw
TRANSFERS TO RE8ERVE8
BALAMCE8 BRIJUgHT FORWARD
192
10.gOY
30.118
34.687
8ALANCES CARRIED FORWAIID
23.143
10,929
4072
30.118

MOTHERS. UNION (DIOCESE OF ST ALBANSI
STATEMENT OF FINANCIAL ACTIVITIES
For the year ènded 31- Dewnber 2024
BALANCE SHEET
2024
2023
ACCUMULATED FUND
Balance as at 1st January
Surplusl(Dèfiritl for year
19,209
3934
20,858
-1,649
Balan¢e at 31st Dec•mber
23,143
19.209
RESER￿Es & OTHER FUNDS
10,929
10.909
TOTAL FUNDS
34,072
30,118
REPRESENTED BY:
CBF Church of England Deposrt 818
15,000
15,000
Current Assets
Bank
Balances
Dloces8n
Branches bank balances
11,887
7,205
4,246
10,872
TOTAL FUNDS
34,072
30,118
The89 finan081 ststemerrts wère approved by the board on Yknt2025
si9￿d on bow of thè 8oard of Trustges
TntBlee Janet Molthn•y

STA TEMENT OF FINANCIAL Acw¥rnES
Forthg yw endod 31- C*cernber 2024
BASIS OF PREPARATION
Th&sÈ a(twnts ha¥• boen w•par*Y on tho i•e&pts p#ymknts ba￿ kn¥8Btments * 8h)wn at mark
value kn xcordanc• wKh
wth the Ch•iibw AGt 2011.
Bao1¥ af *ceountlng
The ￿CoUnts have been prep8red en a aThJ paJTheth b#
INCOMING RESOURCES
Allo¢•tlon to •pKlfic fund*
As a charSty a86￿￿￿18d ￿th IAothrn' Unknn, tho etharity rnlws coMgd8 m•mtws' iubseriptknns
to ad the work of Th& Molhers. LlnloTr, LKthfrJr b wtyk •xlSx #$ 8p•o'k frJThd6 Other 8p8¢I1¢ fundi
Ar&htth•work th'rectty bylhi8 cha￿, manyotwhth are inrfwbvo8 m common wtth othor r¢gb)nalMother8'
Union ¢horlttO6 f$8*y 9•09rSphic￿ •r••*
Don8bon8 and frJndravJir*J k)r 8pthle frjndi are aloe*d to I￿ rdav8rt fvnd (ffi r•*t. Htrw8¥or.th
m4jority d actNitie$a tho tffj8n¢h￿ 8rn th• Iwanth ffl•ml)ws in 98naral motiting docjd
on lh¥ 4110¢ol￿n bo￿8￿ wmc luThJ* u¥ualy aftar the end ofthe r8knvanl ygar and submlt payThent Irom
xal bank actwts reaux ofth• MOM￿￿, thei*tin Those rwMJrc88 ore alculod to 8peoffic fundA
on
T•x rnGlalm• on dortatknn• •nd 91ft•
kncomlng l•% MId￿l•d 8oFA kn •Dy•ar in whbth lh￿ ar• rec•fv•d Tax
Lqlm8 Arè not •lo¢aled tr) fiJn￿ rA tJOt4¥08n ro•lT*t•J wr88irti•J fuTrd•
Volunts•r h•lp
Th• of *nyvolMrtary h* recatr4eAI M not fftclude•J but * d￿C￿￿ in Ihè tru•tee•' amu
r•port
InvMkn•nt Ineom•
n•r81 fvnda or bohY••n re8itht•d and uNe8lrkt•d furMI•
mattws
IL

klOTHERSI LINIC*IIDIOCE$EOF ST ALBAN$)
NOTES TO THE FIIIAPKFAL STA Tem ENT$
For IhE ￿r 31 2024
1•tJan
119
2.923
2.217
5.789
-2.337
Away FTC￿ IAH
Sp8dd rag1r￿￿j rnaa*'rrfJ
MSH •)pe
MSH g8nerai
54
-1.8
-1,213
-1.018
-1.820
425
it*ft & Ir•kTrJ Fur¥J
lo￿9
9J18
10.929

AIOTHERV UNION lo￿￿ESE OF ST ALBANS)
NOTES TO THE FIIiINCIAL STATEIIENTS
Forthe year end•J 31 Oe(*rr*er 2024
Fund Ilamo
Typ•
Charil•ble Fund•
0￿rat•d by sl
Alb•n8 Dl*X
Dio¢•8•n Rose
FuThJ
Cth•r
To p•y** it•m• l•q￿*d ty th• charty
Fund
Away From i AM Rosl￿tert
FN)
ProiA•8 for tho "Away Fri>m l Af lAF￿) h)Uday
7*hkh oNe• o rw(lel Lywk to f4mlK# that
not hav• a kskday
To rn••t lh• rA>¥t of • pknn•d ip•d•l ry
F￿dI lor th• IAoth•rn U
G•nornl RnJ
IM8ry Sumner
Jso)
lh• g•nor•l op•ralltyhs ofTh• ilolh•N Unk*n
ChT8r¥aaB t3•n•
Fund
R••trlthd ffijnds to The Mot￿rI Ikico to 8UPFQrt overn￿*
pffjaet& This $UPk￿$ awk1e ol $th•M￿ . ￿￿èrIval
¥s*ID Ih•y •T• l kng)w*n•nbng •thitsou
MSH Oh¢t
Bw Sum
Appear)
BFttmlrb & All tyqlmnd
Rath*•d ProvbJ85 ￿an1$ h)r 1x0i￿ts ffj the pro¥tr￿ ofCant8thry
W•* ￿ &￿tIond and York
14

MOTHE￿ UNION IDIOC&8E OF ST ALBANS)
NOTES TO THE A14ANCIAL STATEIAENTS
For th8 year end￿1 31 Decernber 2tr24
Tho IAgther•' un￿?￿ Ichenty rtgkllration numbpr 2405311 ¥ • c(mr*Lt•J p•ty 8h?rgd 8kn8 and
oblectrve$ 8nd a simi￿r consMJbtsft. Part of exh members sub￿rip￿0n 8 8ub¥rlption forth•
purp08•& of Thtr IloU)8r8' Un￿￿ klgmbers. vc&Jrt¥ry lundr8V8mg * also 8lloc8ted li part to spedfic
projects And causes of Th¢ Mo¢hern' unl￿ T￿ amounts r8Yaad and lo Th8 K4tsthtsrs UnKJn
8rq shown ￿ th• m￿Men1• li lyThJ$ Mi 1. Th• wJb6crylK*n paym¢Dt lo Mwy Stsmn•r w
£14 916
All public8tion$.lrfiritty¢ ond tther W*Jd8 ar• suppw ty MU Enterproes Limit•d fMLl&'l, t
tr8dinq subs•J￿ry ofTh• Mothern UniLTrn. Ih•s• ￿1• are #hrmn f•par¥ldy In Ihg Slatement
of Fknancial Actiwltes ISOFAI Th• MolherB awwks tr#*)ing COWBe• and eonfBrence8, 1
Costs ofwhith sre Shr￿Tr ￿ th• SOFA •• MSH Course8 and conf•rerKes
3 Sl•ff co•ts
Th• charlty ha¢ r*t￿r￿nt gmthJyee8
4 Qov•manc• ¢o#ts
2024
2023
IRthp*ni Examincn f
6 Trn•t•• •xp•nu•
ExwI￿ tts thJ4te•B thJrfrvJ the y•w and the nwDb•r of trt•t•os dainkn9 1th• •xpen
2024
2023
Number ollDJStee8
Truste08' •xp8rrf•s
£873
£t81

IIOThER* UNION IQI(KESE OF sr ALBAIISI
NOTES TO THE FINANCIAL STATEPIEIITS
For the ygar 8nd8d 3., tknwrt*r 2(124
6 Flx*l a88ots
The ¢h*rty vfflts$ off fixed 88tèt pur¢ha$88 undor É1.CW to tho O*Jce¥an R68etve on acgul&Yon.
Cuts•nty thts chanty f￿1 a6sets V*ith cost orvaluafkn ofo¥er £1.000