EX-10.5.2 29 efc4-0244_uk630549ex1052.txt EXHIBIT 10.5.2 Dated 28 January 2004 GRANITE MORTGAGES 04-1 PLC ------------------------------------------------ ISSUER MASTER DEFINITIONS SCHEDULE ------------------------------------------------ SIDLEY AUSTIN BROWN & WOOD 1 THREADNEEDLE STREET LONDON EC2R 8AW TELEPHONE 020 7360 3600 FACSIMILE 020 7626 7937 CONTENTS 1. Definitions..........................................................1 2. Interpretation and Construction.....................................32 3. Governing Law.......................................................34 i THIS ISSUER MASTER DEFINITIONS SCHEDULE is signed for the purposes of identification on 28 January 2004 BY: (1) Sidley Austin Brown & Wood of 1 Threadneedle Street, London EC2R 8AW; and (2) Allen & Overy of One New Change, London EC4M 9QQ. 1. Definitions Words and expressions used in any document which incorporates this clause or to which this clause applies shall, have the same meanings as are set out in this Issuer Master Definitions Schedule except so far as the context requires otherwise. "Account Bank" means, in relation to the Current Issuer, the Current Issuer Account Bank and for any other Issuer, the Account Bank for such Issuer appointed from time to time in accordance with the relevant Issuer Transaction Documents; "Additional Interest" means interest which will accrue on Deferred Interest at the rate of interest applicable from time to time on the classes of Current Issuer Notes, as further described in Condition 4 of the Current Issuer Notes; "Additional Assigned Mortgage Loan" means any Mortgage Loan which is sold and assigned by the Seller to the Mortgages Trustee on 26 January 2004 under the terms of the Mortgage Sale Agreement and referenced by its mortgage loan identifier number and comprising the aggregate of all principal sums, interest, costs, charges, expenses and other monies (including all Further Advances) due or owing with respect to that Mortgage Loan under the relevant Mortgage Conditions by a Borrower on the security of a Mortgage from time to time outstanding or, as the context may require, the Borrower's obligations in respect of the same; "Additional Assigned Mortgage Portfolio" means the portfolio of Additional Assigned Mortgage Loans, their Related Security, Accrued Interest and other amounts derived from such Additional Assigned Mortgage Loans that the Seller sold and assigned to the Mortgages Trustee on 26 January 2004; "Additional Assigned Trust Property" means the Additional Assigned Mortgage Portfolio sold and assigned to the Mortgage Trustee by the Seller on 26 January 2004, including the Additional Assigned Mortgage Loans and their Related Security, the rights under the MIG Policies and the other Insurance Policies arranged by the Seller; "Agent Bank" means, in relation to the Current Issuer, Citibank, N.A., 5 Carmelite Street, London EC4Y 0PA initially appointed pursuant to the Current Issuer Paying Agent and Agent Bank Agreement or, if applicable, any successor Agent Bank at its Specified Office; "Agents" means, in relation to the Current Issuer, the Principal Paying Agent, the US Paying Agent, the Registrar and the Transfer Agent, initially appointed pursuant to the Current Issuer Paying Agent and Agent Bank Agreement, or, if applicable, any successor agents; "Appointee" has the meaning specified in the Current Issuer Trust Deed; "Auditors" or "auditors" means PricewaterhouseCoopers of 89 Sandyford Road, Newcastle upon Tyne NE99 1PL or such other internationally recognised independent firm of auditors selected from time to time by (in the case of the Mortgages Trustee) the Mortgages Trustee or (in the case of 1 Funding) Funding or (in the case of the Current Issuer) the Current Issuer and appointed by the Mortgages Trustee, Funding or, as the case may be, the Current Issuer; "Authorised Denominations" means, in relation to the Current Issuer Notes, denominations of, in the case of any class of the Dollar Notes $1,000 and $10,000, in the case of any class of the Sterling Notes, (GBP)1,000 and (GBP)10,000, in the case of any class of the Euro Notes, (euro)500,000 and in such other denominations as the Note Trustee shall determine and notify to the relevant Noteholders; "Authorised Dollar Holding" means $1,000 (which shall be the minimum allowable holding with respect to each Dollar Note) and integral multiples of in excess thereof; "Authorised Euro Holding" means (euro)500,000 (which shall be the minimum allowable holding with respect to each Euro Note) and integral multiples of in excess thereof; "Authorised Signatory" means in relation to: (a) the Current Issuer, any authorised signatory referred to in the Issuer Account Mandates relating to that Issuer; (b) the Mortgages Trustee, any authorised signatory referred to in the Mortgages Trustee Account Mandates; and (c) Funding, any authorised signatory referred to in the Funding Account Mandates; "Authorised Sterling Holding" means (GBP)1,000 (which shall be the minimum allowable holding with respect to each Sterling Note) and integral multiples in excess thereof; "Average Fixed Rate Mortgage Loan Balance" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Average Flexible Mortgage Loan Balance" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Average Mortgage Loan Balance" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Average Variable Rate Mortgage Loan Balance" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Basic Terms Modification" in relation to the Current Issuer Notes has the meaning set out in Schedule 4 to the Current Issuer Trust Deed; "Basis Rate Swap" means, in relation to the Current Issuer, the Current Issuer Basis Rate Swap and for any other Issuer, the swap transaction documented under the Basis Rate Swap Agreement for such Issuer; "Basis Rate Swap Agreement" means, in relation to the Current Issuer, the Current Issuer Basis Rate Swap Agreement and for any other Issuer, the ISDA Master Agreement, Schedule, Confirmation and any Credit Support Annex or other credit support documents thereto entered into among such Issuer, the related Basis Rate Swap Provider, the Note Trustee and/or any credit support provider, as may be amended, restated, varied or supplemented from time to time and shall include any additional and/or replacement basis rate swap agreement entered into by such Issuer from time to time in connection with the Notes issued by such Issuer; 2 "Basis Rate Swap Provider" means in relation to the Current Issuer, the Current Issuer Basis Rate Swap Provider and for any other Issuer the basis rate swap provider for such Issuer appointed from time to time in accordance with the relevant Issuer Transaction Documents; "Basis Rate Swap Provider Default" means, in relation to the Current Issuer, the occurrence of an Event of Default (as defined in the Current Issuer Basis Rate Swap Agreement) or a Downgrade Termination Event under the Current Issuer Basis Rate Swap Agreement where the Current Issuer Basis Rate Swap Provider is the Defaulting Party or the Affected Party (as defined in the Current Issuer Basis Rate Swap Agreement); "Block Voting Instruction" has the meaning set out in Schedule 4 to the Current Issuer Trust Deed; "Blocked Note" has the meaning specified in Schedule 4 to the Current Issuer Trust Deed; "Business Day" means, in relation to the Current Issuer Notes and the Current Issuer Intercompany Loan, a day that is a London Business Day, a New York Business Day and a TARGET Business Day; "Calculation Agent" in relation to any Current Issuer Swap Agreement has the meaning given to it under such Current Issuer Swap Agreement; "certification date" has the meaning specified in the Current Issuer Trust Deed; "Chairman" has the meaning set out in Schedule 4 to the Current Issuer Trust Deed; "Class A Enforcement Notice" means a notice issued by the Note Trustee to the Current Issuer and the Security Trustee on the occurrence of a Current Issuer Note Event of Default, declaring the Class A Notes to be due and repayable pursuant to Condition 9(A) of the Current Issuer Notes; "Class A Noteholders" means the Series 1 Class A Noteholders, the Series 2 Class A Noteholders and the Series 3 Class A Noteholders; "Class A Notes" means, in relation to the Current Issuer, the Series 1 Class A1 Notes, the Series 1 Class A2 Notes, the Series 2 Class A1 Notes, the Series 2 Class A2 Notes and the Series 3 Class A Notes or any of them as the context may require and, in relation to any other Issuer, the Notes issued by such Issuer which are defined as such under the relevant Issuer Master Definitions Schedule; "Class A Principal Deficiency Sub Ledger" means the sub-ledger of the Current Issuer Principal Deficiency Ledger corresponding to the Class A Notes; "Class B Enforcement Notice" means a notice issued by the Note Trustee to the Current Issuer and the Security Trustee on the occurrence of a Current Issuer Note Event of Default, declaring the Class B Notes to be due and repayable pursuant to Condition 9(B) of the Current Issuer Notes; "Class B Noteholders" means the Series 1 Class B Noteholders, the Series 2 Class B Noteholders and the Series 3 Class B Noteholders; "Class B Notes" means, in relation to the Current Issuer, the Series 1 Class B Notes, the Series 2 Class B Notes and the Series 3 Class B Notes or any of them as the context may require; and, in relation to any other Issuer, the Notes issued by such Issuer which are defined as such under the relevant Issuer Master Definitions Schedule; "Class B Principal Deficiency Sub Ledger" means the sub-ledger of the Current Issuer Principal Deficiency Ledger corresponding to the Class B Notes; 3 "Class M Enforcement Notice" means, a notice issued by the Note Trustee to the Current Issuer and the Security Trustee on the occurrence of a Current Issuer Note Event of Default, declaring the Class M Notes to be due and repayable pursuant to Condition 9(C) of the Current Issuer Notes; "Class M Noteholders" means the Series 1 Class M Noteholders, the Series 2 Class M Noteholders and the Series 3 Class M Noteholders; "Class M Notes" means, in relation to the Current Issuer, the Series 1 Class M Notes, the Series 2 Class M Notes and the Series 3 Class M Notes or any of them as the context may require; and, in relation to any other Issuer, the Notes issued by such Issuer which are defined as such under the relevant Issuer Master Definitions Schedule; "Class M Principal Deficiency Sub Ledger" means the sub-ledger of the Current Issuer Principal Deficiency Ledger corresponding to the Class M Notes; "Class C Enforcement Notice" means, a notice issued by the Note Trustee to the Current Issuer and the Security Trustee on the occurrence of a Current Issuer Note Event of Default, declaring the Class C Notes to be due and repayable pursuant to Condition 9(D) of the Current Issuer Notes; "Class C Noteholders" means the Series 1 Class C Noteholders, the Series 2 Class C Noteholders and the Series 3 Class C Noteholders; "Class C Notes" means, in relation to the Current Issuer, the Series 1 Class C Notes, the Series 2 Class C Notes and the Series 3 Class C Notes or any of them as the context may require; and, in relation to any other Issuer, the Notes issued by such Issuer which are defined as such under the relevant Issuer Master Definitions Schedule; "Class C Principal Deficiency Sub Ledger" means the sub-ledger of the Current Issuer Principal Deficiency Ledger corresponding to the Class C Notes; "Clearing System" means any of DTC (with respect to the Dollar Notes) and Euroclear and Clearstream, Luxembourg (with respect to the Euro Notes and the Sterling Notes), and any other or additional organisation of a similar nature as may be approved in writing by the Note Trustee; "Closing Date" means 28 January 2004; "Common Depositary" means Citibank, N.A. in its capacity as common depositary for Euroclear or Clearstream, Luxembourg in respect of the Sterling Global Note Certificates and the Euro Global Note Certificates; "Conditions" or "Terms and Conditions" means, in relation to any Current Issuer Notes, the terms and conditions to be endorsed on such Current Issuer Notes in the form or substantially in the form scheduled to the Current Issuer Trust Deed, as any of the same may from time to time be amended, varied or restated in accordance with the provisions of the Current Issuer Trust Deed, and any reference to a numbered Condition shall be construed accordingly; "Contractual Currency" has the meaning specified in Clause 13 of the Current Issuer Trust Deed; "Current Issuer" means Granite Mortgages 04-1 plc, a company incorporated with limited liability under the laws of England and Wales, registered number 4959572; "Current Issuer Account Bank" means the bank at which the Current Issuer Bank Accounts are maintained from time to time, being Citibank, N.A., 5 Carmelite Street, London EC4Y 0PA, or any 4 other Authorised Entity appointed by the Current Issuer in accordance with the Current Issuer Transaction Documents; "Current Issuer Available Principal Receipts" means: (1) prior to enforcement of the Current Issuer Security, in respect of any Payment Date, the sum calculated by the Current Issuer Cash Manager on the Distribution Date immediately preceding such Payment Date equal to: (a) all principal amounts repaid by Funding to the Current Issuer under the Current Issuer Intercompany Loan during the period from (but excluding) the immediately preceding Payment Date to (and including) such Payment Date; (b) all Current Issuer Available Revenue Receipts which are to be used on that Payment Date to credit the Current Issuer Principal Deficiency Sub Ledger for any Class of Notes issued by the Current Issuer; and (c) if such Payment Date is the Final Maturity Date for the Series 1 Class A1 Notes, amounts standing to the credit of the Current Issuer Liquidity Reserve Ledger, or to be applied to fund the Current Issuer Liquidity Reserve Fund on such Payment Date, up to the amount necessary to pay all principal due on the Series 1 Class A1 Notes on such Payment Date after application of the amounts set forth above, less (c) the aggregate of all principal amounts (if any) repaid by Funding to the Current Issuer under the Current Issuer Intercompany Loan on the relevant Payment Date which are to be applied on the relevant Payment Date to pay items (A) through (E), (G), (I) or (K) of the Current Issuer Pre-Enforcement Revenue Priority of Payments; and (2) following enforcement of the Current Issuer Security, in respect of any Payment Date, the sum calculated by or on behalf of the Note Trustee on the Distribution Date immediately preceding such Payment Date as the amount to be repaid by Funding to the Current Issuer under the Current Issuer Intercompany Loan during the relevant Interest Period and/or the sum otherwise recovered by the Note Trustee (or the Receiver appointed on its behalf) representing the Principal Amount Outstanding of the Notes; "Current Issuer Available Revenue Receipts" means, in respect of any Payment Date, the sum calculated by the Current Issuer Cash Manager on the Distribution Date immediately preceding such Payment Date equal to: (1) interest, fees and any other amount (not including principal), if any, paid by Funding on the relevant Payment Date under the terms of the Current Issuer Intercompany Loan Agreement; (2) other net income of the Current Issuer (not otherwise included in (1) above or (3) below) including amounts received by the Current Issuer under or in accordance with the Basis Rate Swap Agreement (excluding Swap Collateral Excluded Amounts) and any early termination amounts (other than such early termination amounts applied or to be applied by the Current Issuer in the purchase of one or more replacement hedge transactions) received by the Current Issuer under the Current Issuer Swap Agreements; 5 (3) interest payable on the Current Issuer Bank Accounts and any income from Authorised Investments made with funds standing to the credit of the Current Issuer Bank Accounts, in each case which has been or will be received on or before the relevant Payment Date; and (4) (only to the extent required after making the relevant calculations set out in the Current Issuer Cash Management Agreement), the aggregate of all principal amounts (if any) repaid by Funding to the Current Issuer under the Current Issuer Intercompany Loan amount of Current Issuer Principal Receipts (if any) on the relevant Payment Date which are to be applied to pay items (A) through (E), (G), (I) and/or (K) of the Current Issuer Pre-Enforcement Revenue Priority of Payments; "Current Issuer Bank Account Agreement" means the bank account agreement dated on or about the Closing Date between the Current Issuer, the Seller, the Current Issuer Cash Manager, the Current Issuer Account Bank and the Note Trustee; "Current Issuer Bank Accounts" means the Current Issuer Transaction Accounts and also includes any additional or replacement bank account opened in the name of the Current Issuer from time to time with the prior written consent of the Note Trustee and the Rating Agencies; "Current Issuer Basis Rate Swap" means the swap transaction documented under the Current Issuer Basis Rate Swap Agreement; "Current Issuer Basis Rate Swap Agreement" means the ISDA Master Agreement, Schedule and Confirmation thereto each entered into on or about the Closing Date and any Credit Support Annex or other credit support documents entered into at any time among the Current Issuer, the Current Issuer Basis Rate Swap Provider, the Note Trustee and/or any credit support provider, as may be amended, restated, varied or supplemented from time to time and shall include any additional and/or replacement basis rate swap agreement entered into by the Current Issuer from time to time in accordance with the Transaction Documents; "Current Issuer Basis Rate Swap Provider" means Northern Rock and/or, as applicable, any other basis rate swap provider appointed from time to time by the Current Issuer in accordance with the Current Issuer Transaction Documents; "Current Issuer Cash Management Agreement" means the cash management agreement entered into on or about the Closing Date between the Current Issuer Cash Manager, the Current Issuer and the Note Trustee, as may be amended, restated, varied or supplemented from time to time and shall include any additional and/or replacement cash management agreement entered into by the Current Issuer from time to time in connection with the Current Issuer Notes; "Current Issuer Cash Management Services" means the services to be provided to the Current Issuer and the Note Trustee by the Current Issuer Cash Manager pursuant to the Current Issuer Cash Management Agreement; "Current Issuer Cash Manager" means Northern Rock acting pursuant to the Current Issuer Cash Management Agreement as agent for the Current Issuer and the Note Trustee in managing all cash transactions and maintaining certain ledgers on behalf of the Current Issuer; "Current Issuer Cash Manager Termination Event" means any of the events specified in paragraphs (a) through (c) of Clause 12.1 of the Current Issuer Cash Management Agreement; 6 "Current Issuer Charged Property" means the property, assets and undertakings of the Current Issuer which from time to time are or are expressed to be mortgaged, charged, assigned, pledged or otherwise encumbered to, or in favour of, the Note Trustee for itself and for the Current Issuer Secured Creditors under the Current Issuer Deed of Charge or any other Current Issuer Transaction Document; "Current Issuer Conditions" or "Current Issuer Terms and Conditions" means the terms and conditions to be endorsed on the Current Issuer Notes, substantially in the form set out in Schedule 3 to the Current Issuer Trust Deed, as any of the same may be amended, varied or restated in accordance with the provisions of the Current Issuer Trust Deed, and any reference to a numbered Condition shall be construed accordingly; "Current Issuer Corporate Services Agreement" means the corporate services agreement entered into on or before the Closing Date between, inter alia, the Current Issuer Corporate Services Provider, Holdings, the Current Issuer Post Enforcement Call Option Holder, the Current Issuer and Northern Rock for the provision by the Current Issuer Corporate Services Provider of certain corporate services with respect to Holdings, the Current Issuer Post Enforcement Call Option Holder and the Current Issuer as may be amended, restated, varied or supplemented from time to time and shall include any additional and/or replacement corporate services agreement entered into by such parties from time to time in accordance with the Current Issuer Transaction Documents; "Current Issuer Corporate Services Provider" means in relation to any of the Current Issuer, Holdings or the Current Issuer Post Enforcement Call Option Holder, Law Debenture Corporate Services Limited or such other person or persons for the time being acting as corporate services provider under the Current Issuer Corporate Services Agreement; "Current Issuer Currency Swap Agreements" means the Current Issuer Dollar Currency Swap Agreements and the Current Issuer Euro Currency Swap Agreements; "Current Issuer Currency Swap Providers" means the Current Issuer Dollar Currency Swap Providers and the Current Issuer Euro Currency Swap Provider; "Current Issuer Currency Swaps" means the Current Issuer Dollar Currency Swaps and the Current Issuer Euro Currency Swaps; "Current Issuer Deed of Accession" means the deed of accession entered into on or about the Closing Date between Funding, the Security Trustee, the Current Issuer, the Current Issuer Start-Up Loan Provider and others whereby, among other things, the Current Issuer and the Current Issuer Start-Up Loan Provider accede to the provisions of the Funding Deed of Charge; "Current Issuer Deed of Charge" means the deed of charge entered into on or about the Closing Date between the Current Issuer, the Note Trustee, the Current Issuer Swap Providers, the Current Issuer Corporate Services Provider, the Current Issuer Account Bank, the Current Issuer Cash Manager, the Principal Paying Agent and the other Agents appointed pursuant to the Current Issuer Paying Agent and Agent Bank Agreement as may be amended, restated, varied or supplemented from time in accordance with the Current Issuer Transaction Documents; "Current Issuer Dollar Account" means the account of the Current Issuer (account number 10141615) held with the Current Issuer Account Bank, denominated in U.S. Dollars and maintained subject to the terms of the Current Issuer Bank Account Agreement and the Current Issuer Deed of Charge, or any additional or replacement account denominated in U.S. Dollars as may for the time being be in place with the prior consent of the Note Trustee; 7 "Current Issuer Dollar Currency Swap Agreements" means the ISDA Master Agreements, Schedules and Confirmations thereto entered into on or about the Closing Date and any Credit Support Annexes or other credit support documents entered into at any time among the Current Issuer, the Current Issuer Dollar Currency Swap Providers, the Note Trustee and/or any credit support provider, as may be amended, restated varied or supplemented from time to time and shall include any additional and/or replacement currency swap agreement or agreements entered into by the Current Issuer from time to time in connection with the Current Issuer Notes; "Current Issuer Dollar Currency Swap Providers" means together, Swiss Re Financial Products Corporation and Banque AIG (each a "Current Issuer Dollar Currency Swap Provider") each as swap counterparty to the Current Issuer under the Current Issuer Dollar Currency Swap Agreements; "Current Issuer Dollar Currency Swap Rates" means, in relation to the Current Issuer Notes, the rates at which Dollars are converted to Sterling or, as the case may be, Sterling is converted to Dollars pursuant to the applicable Current Issuer Dollar Currency Swap or, if there are no relevant Current Issuer Dollar Currency Swap Agreements in effect at such time, in relation to such class of Notes, the "spot" rate at which Dollars are converted to Sterling or, as the case may be, Sterling is converted to Dollars, on the foreign exchange markets; "Current Issuer Dollar Currency Swaps" means, in relation to the Current Issuer, the Sterling-Dollar currency swap transactions which enable the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Dollar Notes in Dollars; "Current Issuer Euro Account" means the account of the Current Issuer (account number 10141623) held with the Current Issuer Account Bank, denominated in Euro and maintained subject to the terms of the Current Issuer Bank Account Agreement and the Current Issuer Deed of Charge, or any additional or replacement account denominated in Euro as may for the time being be in place with the prior consent of the Note Trustee; "Current Issuer Euro Currency Swap Agreements" means the ISDA Master Agreements, Schedules and Confirmations thereto entered into on or about the Closing Date and any Credit Support Annexes or other credit support documents entered into at any time among the Current Issuer, the Current Issuer Euro Currency Swap Provider, the Note Trustee and/or any credit support provider, as may be amended, restated varied or supplemented from time to time and shall include any additional and/or replacement currency swap agreement or agreements entered into by the Current Issuer from time to time in connection with the Current Issuer Notes; "Current Issuer Euro Currency Swap Provider" means Citibank N.A., London Branch as swap counterparty to the Current Issuer under the Current Issuer Euro Currency Swap Agreements; "Current Issuer Euro Currency Swap Rates" means, in relation to the Current Issuer Notes, the rates at which Euro is converted to Sterling or, as the case may be, Sterling is converted to Euro pursuant to the applicable Current Issuer Euro Currency Swap or, if there are no relevant Current Issuer Euro Currency Swap Agreements in effect at such time, in relation to such class of Notes, the "spot" rate at which Euro is converted to Sterling or, as the case may be, Sterling is converted to Euro, on the foreign exchange markets; "Current Issuer Euro Currency Swaps" means, in relation to the Current Issuer, the Sterling-Euro currency swap transactions which enable the Current Issuer to receive and pay amounts under the 8 Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Euro Notes in Euro; "Current Issuer Event of Default" means a Current Issuer Note Event of Default; "Current Issuer Income Deficit" means the amount of the shortfall between Current Issuer Available Revenue Receipts and the amounts required to pay items (A) through (E) (inclusive), (G), (I) and (K) of the Current Issuer Pre-Enforcement Revenue Priority of Payments; "Current Issuer Intercompany Loan" means the loan made by the Current Issuer to Funding on or about the Closing Date pursuant to the Current Issuer Intercompany Loan Agreement; "Current Issuer Intercompany Loan Agreement" means together the Current Issuer Intercompany Loan Confirmation and the Intercompany Loan Terms and Conditions; "Current Issuer Intercompany Loan Confirmation" means the loan confirmation in respect of the Current Issuer Intercompany Loan Agreement entered into on or about the Closing Date and made between Funding, the Current Issuer, the Security Trustee and the Current Issuer Agent Bank; "Current Issuer Intercompany Loan Event of Default" means the occurrence of an Intercompany Loan Event of Default as specified in the Current Issuer Intercompany Loan Agreement; "Current Issuer Jersey Enforcement Notice" has the meaning given to it in Clause 7.2 of the Current Issuer Deed of Charge; "Current Issuer Jersey Secured Property" means, at any time, the Current Issuer Charged Property which is situated in Jersey at such time; "Current Issuer Ledgers" means the Current Issuer Revenue Ledger, the Current Issuer Principal Ledger, the Current Issuer Reserve Fund Ledger, the Current Issuer Liquidity Reserve Ledger, the Current Issuer Principal Deficiency Ledger and the Swap Collateral Ledger and any other ledger required to be maintained pursuant to the Current Issuer Cash Management Agreement; "Current Issuer Liquidity Reserve Fund" means the liquidity reserve fund in Funding's name which Funding will be required to establish pursuant to the Current Issuer Intercompany Loan Agreement if the long term, unsecured, unsubordinated and unguaranteed debt obligations of the Seller cease to be rated at least A3 by Moody's or A- by Fitch (unless Moody's or Fitch, as applicable, confirms that the then-current ratings of the Notes will not be adversely affected). The Current Issuer Liquidity Reserve Fund, if any, will be funded to the relevant Current Issuer Liquidity Reserve Required Amount; "Current Issuer Liquidity Reserve Ledger" means a ledger maintained by the Current Issuer Cash Manager in the name of Funding to record the amount credited to the Current Issuer Liquidity Reserve Fund held by Funding in respect of the Current Issuer on the Closing Date, and subsequent withdrawals and deposits in respect of the Current Issuer Liquidity Reserve Fund; "Current Issuer Liquidity Reserve Required Amount" means an amount as of any Payment Date equal to the excess, if any, of 3% of the aggregate outstanding balance of the Notes on that Payment Date over amounts standing to the credit of the Current Issuer Reserve Fund on that Payment Date; "Current Issuer Master Definitions Schedule" means this master definitions schedule relating to the Current Issuer and the Current Issuer Transaction Documents signed for the purposes of identification by Sidley Austin Brown & Wood and Allen & Overy on or about the Closing Date, as the same may be amended, restated and supplemented from time to time; 9 "Current Issuer New Funding Secured Creditors" means the Current Issuer Start-Up Loan Provider and the Current Issuer; "Current Issuer Note Determination Date" means the Distribution Date immediately preceding each Payment Date; "Current Issuer Note Enforcement Notice" means a notice issued by the Note Trustee to the Current Issuer and the Security Trustee declaring any of the Current Issuer Notes to be due and repayable pursuant to Condition 9 of the Current Issuer Notes; "Current Issuer Note Event of Default" means the occurrence of an event of default by the Current Issuer as specified in Condition 9 of the Current Issuer Notes; "Current Issuer Notes" means the US Notes and Reg S Notes issued by the Current Issuer or any of them as the context may require; "Current Issuer Paying Agent and Agent Bank Agreement" means the paying agent and agent bank agreement to be entered into on or about the Closing Date between, inter alios, the Current Issuer, the Note Trustee, the Principal Paying Agent, the US Paying Agent and the other Agents and any other agreement for the time being in force appointing successor agents and shall include any additional and/or replacement paying agent and agent bank agreement entered into by the Current Issuer from time to time in accordance with the Transaction Documents; "Current Issuer Post-Enforcement Call Option Agreement" means the post-enforcement call option agreement to be entered into on or about the Closing Date between the Current Issuer, the Current Issuer Post-Enforcement Call Option Holder and the Note Trustee; "Current Issuer Post-Enforcement Call Option Holder" means GPCH Limited, a company incorporated with limited liability under the laws of England and Wales, registered number 4128437, or such other person or persons for the time being acting as post-enforcement call option holder under the Current Issuer Post-Enforcement Call Option Agreement; "Current Issuer Post-Enforcement Priority of Payments" means the order of priority of payments in which Current Issuer Available Revenue Receipts, Current Issuer Available Principal Receipts and all other monies and proceeds received or recovered by or on behalf of the Current Issuer or the Note Trustee or any Receiver will be applied following enforcement of the Current Issuer Security and as set out in Schedule 2 to the Current Issuer Deed of Charge (as the same may be amended or varied from time to time in accordance with the Current Issuer Transaction Documents); "Current Issuer Post-Liquidity Payments" means the payments set out in items (H) through (M) under the Current Issuer Pre-Enforcement Revenue Priority of Payments (or the relevant payments in the equivalent items under such other Current Issuer Priority of Payments as may apply on that Payment Date); "Current Issuer Post-Reserve Payments" means the payments set out in item (N) under the Current Issuer Pre-Enforcement Revenue Priority of Payments (or the relevant payments in the equivalent items under such other Current Issuer Priority of Payments as may apply on that Payment Date); "Current Issuer Post-Start-up Payments" means the payments set out in items (O) and (P) under the Current Issuer Pre-Enforcement Revenue Priority of Payments (or the relevant payments in the equivalent items under such other Current Issuer Priority of Payments as may apply on that Payment Date); 10 "Current Issuer Potential Note Event of Default" means any condition, event or act which with the lapse of time and/or the giving of any notice and/or determination of materiality and/or fulfilment of any similar condition would constitute a Current Issuer Note Event of Default; "Current Issuer Pre-Enforcement Principal Priority of Payments" means the order of priority of payments in which the Current Issuer Available Principal Receipts will be applied until enforcement of the Current Issuer Security as set out in Schedule 2 to the Current Issuer Cash Management Agreement (as the same may be amended or varied from time to time in accordance with the Current Issuer Transaction Documents); "Current Issuer Pre-Enforcement Priority of Payments" means, as applicable, any of the Current Issuer Pre-Enforcement Revenue Priority of Payments or the Current Issuer Pre-Enforcement Principal Priority of Payments; "Current Issuer Pre-Enforcement Revenue Priority of Payments" means the order of priority of payments in which the Current Issuer Available Revenue Receipts will be applied until enforcement of the Current Issuer Security as set out in Schedule 2 to the Current Issuer Cash Management Agreement (as the same may be amended or varied from time to time in accordance with the Current Issuer Transaction Documents); "Current Issuer Pre-Liquidity Payments" means the payments set out in items (A) through (G) under the Current Issuer Pre-Enforcement Revenue Priority of Payments (or the relevant payments in the equivalent items under such other Current Issuer Priority of Payments as may apply on that Payment Date); "Current Issuer Pre-Reserve Payments". Not applicable to this transaction; "Current Issuer Principal Deficiency Ledger" means the ledger maintained by the Current Issuer Cash Manager in the name of the Current Issuer which will be established on the Closing Date and will be sub-divided into sub ledgers corresponding to the Class A Notes, the Class B Notes, the Class M Notes and the Class C Notes in order to record Losses on Mortgage Loans allocated to the Current Issuer Intercompany Loan which are to be applied to such Current Issuer Notes, the application of Current Issuer Available Principal Receipts in paying interest on such Current Issuer Notes and certain amounts ranking in priority thereto in accordance with the Current Issuer Pre-Enforcement Revenue Priority of Payments and the application by Funding of Issuer Allocable Principal Receipts of the Current Issuer to fund or replenish the Current Issuer Liquidity Reserve Fund (if any); "Current Issuer Principal Deficiency Sub Ledger" means any of the Class A Principal Deficiency Sub Ledger, the Class B Principal Deficiency Sub Ledger, the Class M Principal Deficiency Sub Ledger, or the Class C Principal Deficiency Sub Ledger; "Current Issuer Principal Ledger" means the ledger maintained by the Current Issuer Cash Manager pursuant to the Current Issuer Cash Management Agreement to record the Current Issuer Principal Receipts standing to the credit of each of the Current Issuer Transaction Accounts from time to time; "Current Issuer Principal Payments" means the payments set forth in items (A) through (G) under the Current Issuer Pre-Enforcement Principal Priority of Payments (or the relevant payments set forth in the equivalent items in such other Current Issuer Priority of Payments as may apply on that Payment Date); "Current Issuer Principal Receipts" means on any Payment Date principal amounts repaid by Funding in respect of the Current Issuer Intercompany Loan on such Payment Date; 11 "Current Issuer Priority of Payments" means, as applicable, any of the Current Issuer Pre-Enforcement Revenue Priority of Payments, the Current Issuer Pre-Enforcement Principal Priority of Payments or the Current Issuer Post-Enforcement Priority of Payments; "Current Issuer Reserve Fund" means the reserve fund established in the name of Funding in respect of the Current Issuer as required under the terms of the Current Issuer Intercompany Loan on the Closing Date in an amount up to the Current Issuer Reserve Required Amount; "Current Issuer Reserve Fund Ledger" means a ledger maintained by the Current Issuer Cash Manager in the name of Funding to record the amount credited to the Current Issuer Reserve Fund held by Funding in respect of the Current Issuer on the Closing Date, and subsequent withdrawals and deposits in respect of the Current Issuer Reserve Fund; "Current Issuer Reserve Required Amount" means an amount equal to (GBP)60,000,000; "Current Issuer Reserve Requirement" means the Current Issuer Reserve Requirement as the same relates to the Current Issuer and the Current Issuer Reserve Fund; "Current Issuer Revenue Ledger" means the ledger maintained by the Current Issuer Cash Manager pursuant to the Current Issuer Cash Management Agreement to record the Current Issuer Revenue Receipts standing to the credit of the Current Issuer Transaction Accounts from time to time; "Current Issuer Revenue Receipts" means for the Current Issuer in respect of any Payment Date an amount equal to the sum of: (1) interest, fees and any other amount (not including principal), if any, paid by Funding on such Payment Date under the terms of the Current Issuer Intercompany Loan Agreement; (2) other net income of the Current Issuer (not otherwise included in (1) above or (3) below) including amounts received by the Current Issuer under or in accordance with the Basis Rate Swap Agreement (excluding Swap Collateral Excluded Amounts) and any early termination amounts (other than such early termination amounts applied or to be applied by the Current Issuer in the purchase of one or more replacement hedge transactions) received by the Current Issuer under the Current Issuer Swap Agreements; (3) interest received on the Current Issuer Bank Accounts and any income from Authorised Investments made with funds standing to the credit of the Current Issuer Bank Accounts, in each case which has been or will be received on or before such Payment Date, (in each case for the avoidance of doubt not including amounts received in respect of principal); "Current Issuer Secured Creditors" means the Note Trustee (and any Receiver appointed pursuant to the Current Issuer Deed of Charge), the Current Issuer Swap Providers, the Current Issuer Corporate Services Provider, the Current Issuer Account Bank, the Current Issuer Cash Manager, the Paying Agents, the Agent Bank, the Registrar, the Transfer Agent and the Noteholders; "Current Issuer Secured Obligations" means any and all of the monies, obligations and liabilities which the Current Issuer covenants to pay or discharge under or pursuant to Clause 2 of the Current Issuer Deed of Charge and all other amounts owed by it to the Current Issuer Secured Creditors under and pursuant to the Current Issuer Transaction Documents; "Current Issuer Security" means the security granted by the Current Issuer under or pursuant to the Current Issuer Deed of Charge in favour of the Note Trustee for the benefit of the Current Issuer Secured Creditors; 12 "Current Issuer Start-up Loan" means the start-up loan that the Current Issuer Start-up Loan Provider shall make available to Funding pursuant to the Current Issuer Start-up Loan Agreement; "Current Issuer Start-up Loan Agreement" means the agreement entered into on or about the Closing Date between Funding, the Current Issuer Start-up Loan Provider and the Security Trustee relating to the provision of the Current Issuer Start-up Loan to Funding as may be amended, restated, varied or supplemented from time to time and shall include any additional and/or replacement start-up loan agreement entered into by such parties in accordance with the Current Issuer Transaction Documents; "Current Issuer Start-up Loan Provider" means Northern Rock, in its capacity as provider of the Current Issuer Start-up Loan and/or such other person or persons for the time being the lender under the Current Issuer Start-up Loan Agreement; "Current Issuer Sterling Account" means the account of the Current Issuer (sort code 18-50-08, account number 10141631) held with the Current Issuer Account Bank, denominated in Sterling and maintained subject to the terms of the Current Issuer Bank Account Agreement and the Current Issuer Deed of Charge, or any additional or replacement account denominated in Sterling as may for the time being be in place with the prior consent of the Note Trustee; "Current Issuer Subscription Agreement" means with respect to the Current Issuer Notes, the subscription agreement relating to the sale of the Reg S Notes, dated on or about 23 January, 2004 between the Current Issuer, Funding, the Mortgages Trustee and the Managers; "Current Issuer Swap Agreements" means the Current Issuer Basis Rate Swap Agreement, the Current Issuer Dollar Currency Swap Agreements and the Current Issuer Euro Currency Swap Agreements and "Current Issuer Swap Agreement" means any one of them; "Current Issuer Swap Providers" means the Current Issuer Basis Rate Swap Provider, the Current Issuer Dollar Currency Swap Providers and the Current Issuer Euro Currency Swap Provider and "Current Issuer Swap Provider" means any one of them; "Current Issuer Transaction Accounts" means the day to day bank accounts of the Current Issuer, held with the Current Issuer Account Bank and comprising the Current Issuer Euro Account, the Current Issuer Sterling Account and the Current Issuer Dollar Account as at the Closing Date, or any other account of the Current Issuer that may be opened, with the prior approval of the Note Trustee, after the Closing Date, and maintained subject to the terms of the Current Issuer Bank Account Agreement and the Current Issuer Deed of Charge; "Current Issuer Transaction Document" means any of the following documents: (a) the Current Issuer Subscription Agreement; (b) the Current Issuer Underwriting Agreement; (c) the Current Issuer Intercompany Loan Agreement; (d) the Current Issuer Deed of Charge; (e) the Current Issuer Deed of Accession; (f) the Current Issuer Basis Rate Swap Agreement; (g) the Current Issuer Dollar Currency Swap Agreements; 13 (h) the Current Issuer Euro Currency Swap Agreements; (i) the Current Issuer Trust Deed; (j) the Current Issuer Paying Agent and Agent Bank Agreement; (k) the Current Issuer Cash Management Agreement; (l) the Current Issuer Post-Enforcement Call Option Agreement; (m) the Current Issuer Bank Account Agreement; (n) the Current Issuer Notes; (o) the Current Issuer Corporate Services Agreement; (p) the Current Issuer Start-up Loan Agreement; (q) any Swap Collateral Ancillary Document; and (r) each other document entered into or to be entered into by the Current Issuer pursuant to or in connection with any of the above documents (including any agreement entered into by the Current Issuer as a replacement of any of the above agreements upon the termination thereof); "Current Issuer Trust Deed" means the trust deed entered into on or about the Closing Date between the Current Issuer and the Note Trustee constituting the Current Issuer Notes; "Current Issuer Underwriting Agreement" means in relation to the Current Issuer Notes, the underwriting agreement relating to the sale of the US Notes, dated on or about 23 January, 2004, among the Current Issuer, Funding, the Mortgages Trustee and the Underwriters; "Cut-Off Date" means 30 November, 2003; "Deferred Interest" in relation to the Current Issuer Notes has the meaning given to it under Condition 4 of the Current Issuer Notes; "Designated Subsidiary" means a designated subsidiary of the Current Issuer Post-Enforcement Call Option Holder, to be designated by notice from the Current Issuer Post-Enforcement Call Option Holder to the Note Trustee at the discretion of the Current Issuer Post-Enforcement Call Option Holder; "Determination Date" means the first Business Day of any calendar month which includes a Payment Date; "Determination Period" means the period from (and including) the Closing Date to (but excluding) the first Determination Date and thereafter from (and including) one Determination Date to (but excluding) the next Determination Date; "Distribution Compliance Period" means, in relation to the Current Issuer Notes, 40 days after the later of the commencement of the offering of the Current Issuer Notes and the Closing Date; "Dollar Currency Swap Agreements" means, in relation to the Current Issuer, the Current Issuer Dollar Currency Swap Agreements and for any other Issuer, the ISDA Master Agreements, Schedules, Confirmations and any Credit Support Annexes or other credit support documents thereto entered into among such Issuer, the related Dollar Currency Swap Provider, the Note Trustee and/or any credit support provider, as may be amended, restated, varied or supplemented from time to time and shall 14 include any additional and/or replacement dollar currency swap agreements entered into by such Issuer from time to time in connection with the Notes issued by such Issuer; "Dollar Currency Swap Provider" means, in relation to the Current Issuer, the Current Issuer Dollar Currency Swap Providers and for any other Issuer, the Dollar Currency Swap Provider for such Issuer appointed from time to time in accordance with the relevant Issuer Transaction Documents; "Dollar Currency Swap Provider Default" means, in relation to the Current Issuer, the occurrence of an Event of Default (as defined in the Current Issuer Dollar Currency Swap Agreements) or a Downgrade Termination Event under the Current Issuer Dollar Currency Swap Agreements where a Current Issuer Dollar Currency Swap Provider is the Defaulting Party or the Affected Party (as defined in the Current Issuer Dollar Currency Swap Agreements); "Dollar Currency Swap Rates" means, in relation to the Current Issuer, the Current Issuer Dollar Currency Swap Rates; "Dollar Currency Swaps" means, in relation to the Current Issuer, the Current Issuer Dollar Currency Swaps and for any other Issuer, the swap transaction(s) documented under the Dollar Currency Swap Agreements for such Issuer; "Dollar Global Note Certificates" means the Global Note Certificates issued in respect of the Dollar Notes and the "Dollar Global Note Certificate" means any one of them; "Dollar Interest Determination Date" means two London Business Days before the first day of the Interest Period for which the rate will apply; "Dollar Notes" means, in relation to the Current Issuer, the Series 1 Notes and, in relation to any other Issuer, the Notes issued by such Issuer in U.S. Dollars; "Downgrade Termination Event" in relation to the Current Issuer Basis Rate Swap Provider, has the meaning given to it in the Current Issuer Basis Rate Swap Agreement and in relation to any Current Issuer Currency Swap Provider, has the meaning given to it in the relevant Current Issuer Currency Swap Agreement; "Drawdown Date" means, in respect of the Current Issuer Intercompany Loan, the Closing Date and, in respect of an Intercompany Loan made by any other Issuer, the date on which the relevant Intercompany Loan was made to Funding by such Issuer; "DTC Custodian" means Citibank, N.A. in its capacity as custodian for DTC in respect of the Dollar Global Note Certificates; "Euro Currency Swap Agreements" means, in relation to the Current Issuer, the Current Issuer Euro Currency Swap Agreements and for any other Issuer, the ISDA Master Agreements, Schedules, Confirmations, and any Credit Support Annexes or other credit support documents thereto entered into among such Issuer, the related Euro Currency Swap Provider, the Note Trustee and/or any credit support provider, as may be amended, restated, varied or supplemented from time to time and shall include any additional and/or replacement euro currency swap agreements entered into by such Issuer from time to time in connection with the Notes issued by such Issuer; "Euro Currency Swap Provider" means, in relation to the Current Issuer, the Current Issuer Euro Currency Swap Provider and for any other Issuer, the Euro Currency Swap Provider for such Issuer appointed from time to time in accordance with the relevant Issuer Transaction Documents; 15 "Euro Currency Swap Provider Default" means the occurrence of an Event of Default (as defined in the Current Issuer Euro Currency Swap Agreements) or a Downgrade Termination Event under the Current Issuer Euro Currency Swap Agreements where the Current Issuer Euro Currency Swap Provider is the Defaulting Party or Affected Party (as defined in the Current Issuer Euro Currency Swap Agreements); "Euro Currency Swap Rate" means, in relation to the Current Issuer, the Current Issuer Euro Currency Swap Rate; "Euro Currency Swaps" means, in relation to the Current Issuer, the Current Issuer Euro Currency Swaps and for any other Issuer, the swap transaction(s) documented under the Euro Currency Swap Agreements for such Issuer; "Euro Global Note Certificates" means the Global Note Certificates issued in respect of the Euro Notes and the "Euro Global Note Certificate" means any one of them; "Euro Interest Determination Date" means two TARGET Business Days before the first day of the Interest Period for which the rate will apply; "Euro Notes" means in relation to the Current Issuer, the Series 2 Notes and, in relation to any other Issuer, the Notes issued by such Issuer in Euro; "Event of Default" means, as the context requires, any of the following: (a) in relation to the Current Issuer Notes, a Current Issuer Note Event of Default; (b) in relation to Previous Issuer Notes issued by a Previous Issuer, a Note Event of Default pursuant to the Terms and Conditions of such Previous Issuer Notes; (c) in relation to the New Notes issued by any New Issuer, a Note Event of Default pursuant to the Terms and Conditions of such New Notes; (d) in relation to the Current Issuer Intercompany Loan Agreement, a Current Issuer Intercompany Loan Event of Default; (e) in relation to the Previous Issuer Intercompany Loan Agreements, the occurrence of an event of default pursuant to the Intercompany Loan Terms and Conditions of the such Previous Issuer; (f) in relation to any New Intercompany Loan Agreement, the occurrence of an event of default pursuant to the Intercompany Loan Terms and Conditions of such New Issuer; "Exchange Date" has the meaning specified in each form of Global Note Certificate attached as Schedule 1 to the Current Issuer Trust Deed; "Extraordinary Resolution" in relation to the Current Issuer Notes has the meaning set out in Schedule 4 to the Current Issuer Trust Deed; "Final Maturity Date" means: (a) in respect of the Series 1 Class A1 Notes; the Payment Date falling in December 2004; (b) in respect of the Series 1 Class A2 Notes, the Payment Date falling in March 2025; and (c) and in respect of any other Current Issuer Notes, the Payment Date falling in March 2044; 16 "Final Repayment Date" means, in respect of the Current Issuer Intercompany Loan, the Payment Date falling in March 2044 and in relation to any other Intercompany Loan the date specified under the relevant Issuer Transaction Documents; "Financial Year" means, in relation to the Current Issuer, Holdings, the Mortgages Trustee, Funding and the Current Issuer Post Enforcement Call Option Holder, each twelve month period ending on the last day of the calendar year; "Fixed Rate Ratio" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Fixed Rate Spread" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Flexible Ratio" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Flexible Spread" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Flexible Swap Rate" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Form of Proxy" has the meaning specified in Schedule 4 to the Current Issuer Trust Deed; "Funding (Current Issuer) Bank Account Agreement" means the agreement entered into on the Closing Date among the Account Bank, Funding and others which governs the operation of the Funding (Current Issuer) GIC Account; "Funding (Current Issuer) Guaranteed Investment Contract" means the guaranteed investment contract entered into with respect to the Current Issuer among Funding, the Funding GIC Provider and others, as amended from time to time, under which the Funding GIC Provider agrees to pay Funding a guaranteed rate of interest on the balance from time to time of the Funding (Current Issuer) GIC Account; "Funding (Current Issuer) GIC Account" means the account in the name of Funding into which are deposited amounts in respect of the related Current Issuer Reserve Fund and the Current Issuer Liquidity Reserve Fund, if any, established for the benefit of the Current Issuer, which account is held at the Account Bank and maintained subject to the terms of the related Funding (Current Issuer) Guaranteed Investment Contract, the related Funding (Current Issuer) Bank Account Agreement and the Funding Deed of Charge, or any additional or replacement account as may for the time being be in place with the prior consent of the Security Trustee; "Global Note Certificates" means the note certificates in global form issued in respect of the Current Issuer Notes, initially in the form of the US Global Note Certificates and the Reg S Global Note Certificates or any of them and "Global Note Certificate" means any one of them; "Holder" or "holder" means, in relation to the Current Issuer Notes, the person in whose name a Current Issuer Note, for the time being is registered in the Register (or in the case of joint holders, the first named thereof); "Individual Note Certificates" means the note certificates representing the Current Issuer Notes in definitive form; "Initial Relevant Screen Rate" has the meaning specified in Condition 4(C) of the Current Issuer Notes; "Insolvency Event" in respect of the Seller, the Administrator, the Cash Manager or the Current Issuer Cash Manager (each, for the purposes of this definition, a "Relevant Entity") means: 17 (a) an order is made or an effective resolution passed for the winding up of the Relevant Entity (except, in any such case, a winding-up or dissolution for the purpose of a reconstruction or amalgamation the terms of which have been previously approved by the Security Trustee); (b) the Relevant Entity ceases or threatens to cease to carry on its business or stops payment or threatens to stop payment of its debts or is deemed unable to pay its debts within the meaning of section 123(a), (b), (c) or (d) of the Insolvency Act 1986 (as amended, modified or re-enacted) or becomes unable to pay its debts as they fall due or the value of its assets falls to less than the amounts of its liabilities (taking into account, for both these purposes, contingent and prospective liabilities) or otherwise becomes insolvent; (c) proceedings are initiated against the Relevant Entity under any applicable liquidation, administration, reorganisation (other than a reorganisation where the Relevant Entity is solvent) or other similar laws, save where such proceedings are being contested in good faith; or an administrative or other receiver, administrator or other similar official is appointed in relation to the whole or any substantial part of the undertaking or assets of the Relevant Entity; or a distress, execution or diligence or other process is enforced upon the whole or any substantial part of the undertaking or assets of the Relevant Entity and in any of the foregoing cases it is not discharged within 30 London Business Days; or if the Relevant Entity initiates or consents to judicial proceedings relating to itself under any applicable liquidation, administration, insolvency, reorganisation or other similar laws or makes a conveyance or assignment for the benefit of its creditors generally; and in respect of the Current Issuer and Funding (for the purposes of this definition, a "Relevant Entity"), means: (a) except for the purposes of an amalgamation or restructuring as described in sub-clause (b) below, the Relevant Entity ceases or threatens to cease to carry on all or a substantial part of its business or the Relevant Entity is deemed unable to pay its debts within the meaning of section 123(1)(a), (b), (c) or (d) of the Insolvency Act 1986 (as amended, modified or re-enacted) or becomes unable to pay its debts within the meaning of section 123(2) of the Insolvency Act 1986 (as amended, modified or re-enacted); or (b) an order is made or an effective resolution is passed for the winding up of the Relevant Entity (except for the purposes of or pursuant to an amalgamation, restructuring or merger previously approved by the Note Trustee or the Security Trustee, as the case may be (or as approved in writing by an Extraordinary Resolution (as defined in the Current Issuer Trust Deed) of the Class A Noteholders); or (c) proceedings are otherwise initiated against the Relevant Entity under any applicable liquidation, insolvency, composition, reorganisation or other similar laws (including, but not limited to, presentation of a petition for an administration order) and (except in the case of presentation of a petition for an administration order) such proceedings are not, in the opinion of the Note Trustee or the Security Trustee (as the case may be), being disputed in good faith with a reasonable prospect of success; or an administration order being granted or an administrative receiver or other receiver, liquidator or other similar official being appointed in relation to the Relevant Entity or in relation to the whole or any substantial part of the undertaking or assets of the Relevant Entity; or an encumbrancer taking possession of the whole or any substantial part of the undertaking or assets of the Relevant Entity, or a distress, 18 execution, diligence or other process being levied or enforced upon or sued out against the whole or any substantial part of the undertaking or assets of the Relevant Entity and such possession or process (as the case may be) not being discharged or not otherwise ceasing to apply within 30 days; or the Relevant Entity initiating or consenting to judicial proceedings relating to itself under applicable liquidation, insolvency, composition, reorganisation or other similar laws or making a conveyance or assignment for the benefit of its creditors generally; "Interest Amounts" has the meaning given to it under Condition 4(D) of the Current Issuer Notes; "Interest Determination Date" means, in relation to the Current Issuer Notes: (a) in respect of the US Notes, the date which is two London Business Days before the first day of the Interest Period for which the relevant interest rate will apply; (b) in respect of the Sterling Notes, in respect of the first Interest Period, the Closing Date, and in respect of subsequent Interest Periods, the first day of the Interest Period for which the relevant interest rate will apply; and (c) in respect of the Euro Notes, the date which is two TARGET Business Days before the first day of the Interest Period for which the relevant interest rate will apply; "Interest Payment Date" means: (a) in relation to the Series 1 Class A1 Notes, the 20th day of each consecutive month in each year commencing on the Interest Payment Date falling in February 2004 up to and including the earliest of: (i) the Interest Payment Date in December 2004; (ii) the occurrence of a Trigger Event; or (iii) enforcement of the Issuer Security, and thereafter the 20th day of March, June, September or December in each year (or, in each case, if such day is not a Business Day, the next succeeding Business Day); and (b) in relation to the Current Issuer Notes (other than the Series 1 Class A1 Notes), the 20th day of January, April, July and October in each year; "Interest Period" means: (a) in relation to each of the Current Issuer Notes, (i) with respect to the first Interest Payment Date, the period from (and including) the Closing Date to (but excluding) such Interest Payment Date, and (ii) thereafter, the period from (and including) the immediately preceding Interest Payment Date for such Current Issuer Note to (but excluding) the next following Interest Payment Date for such Current Issuer Note; and (b) in relation to the Current Issuer Start-up Loan, the period from (and including) the immediately preceding Payment Date (or in respect of the first Interest Period, the Closing Date) to (but excluding) the next following (or first) Payment Date. "Issuer Amount" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Jersey Secured Property" means, as the context requires, the Current Issuer Jersey Secured Property or the Funding Jersey Secured Property; 19 "Jersey Security Interest" means a Security Interest created in accordance with Jersey law pursuant to any relevant Transaction Document; "Junior Noteholders" means the holders for the time being of the Class C Notes; "Junior Notes" means, in relation to the Current Issuer, the Class C Notes; "Lead Managers" means, in relation to the Current Issuer Notes (1) in respect of the US Notes, Barclays Capital Inc., Citigroup Global Markets Limited and J.P. Morgan Securities Inc. and (2) in respect of the Reg S Notes, Barclays Bank PLC, Citigroup Global Markets Limited and J.P. Morgan Securities Ltd.; "Managers" means, in relation to the Reg S Notes issued by the Current Issuer, Barclays Bank PLC, Citigroup Global Markets Limited, J.P. Morgan Securities Ltd., ING Belgium SA/NV, Credit Suisse First Boston (Europe) Limited, Deutsche Bank AG London and UBS Limited; "Master Definitions Schedule" means the master definitions schedule signed for the purposes of identification by Brown & Wood and Clifford Chance Limited Liability Partnership on or about 26 March 2001, as has been and may be amended, restated, varied or supplemented from time to time, which is a schedule of the definitions used in the Transaction Documents; "Mezzanine Noteholders" means the holders for the time being of the Class B Notes; "Mezzanine Notes" means, in relation to the Current Issuer, the Class B Notes; "Money Market Notes" means, in relation to the Current Issuer, the Series 1 Class A1 Notes; "Note Certificates" means any Global Note Certificates or Individual Note Certificates; "Note Determination Date" means, in relation to the Current Issuer Notes, the Current Issuer Note Determination Date, in relation to Notes issued by any other Issuer, the Distribution Date immediately preceding the relevant Payment Date; "Note Enforcement Notice" means, in relation to the Current Issuer, the Current Issuer Note Enforcement Notice and in relation to any other Issuer, a notice issued by the Note Trustee to such Issuer and the Security Trustee on the occurrence of a Note Event of Default, declaring the Notes issued by that Issuer or any class of such Notes to be due and repayable pursuant to the Conditions of such Notes; "Note Event of Default" means, in relation to the Current Issuer, a Current Issuer Note Event of Default and, in relation to any other Issuer, the occurrence of an event of default by such Issuer as specified in the relevant Conditions of the Notes issued by such Issuer; "Noteholders" means, in relation to the Current Issuer Notes, the Class A Noteholders, the Class B Noteholders, the Class M Noteholders and the Class C Noteholders or any of them, in relation to Notes issued by any other Issuer, the holders for the time being of such Notes; "Notes" means, in relation to the Current Issuer, the Current Issuer Notes and, in relation to any other Issuer, the notes issued by such Issuer; "notice" means, in respect of notice being given to the Noteholders, a notice duly given in accordance with, in the case of the Current Issuer Notes, Condition 14 of the Current Issuer Notes and, in the case of Notes issued by any other Issuer, the relevant equivalent Condition of such Notes; 20 "Offering Circular" means, in relation to the Current Issuer Notes, the offering circular dated 23 January 2004 relating to the issue of the Reg S Notes and, in relation to Notes issued by any other Issuer, the offering circular relating to the Reg S Notes issued by such Issuer including, in each case, the Prospectus attached thereto; "Officers' Certificate" means with respect to any Person, a certificate signed by any director or equivalent officer of such Person. Each such certificate shall include the statements provided for in Clause 16 of the Current Issuer Trust Deed if and to the extent required by the provisions thereof; "Opinion of Counsel" means an opinion in writing signed by legal counsel who shall be acceptable to the Note Trustee and who may be counsel to the Current Issuer or to an affiliate of the Current Issuer or to such other party as the Note Trustee may from time to time agree. Each such opinion shall include the statements provided for in Clause 16 of the Current Issuer Trust Deed if and to the extent required by the provisions hereof; "Paying Agent and Agent Bank Agreement" means, in relation to the Current Issuer, the Current Issuer Paying Agent and Agent Bank Agreement, in relation to any other Issuer, the Paying Agent and Agent Bank Agreement with respect to such Issuer as defined in the Issuer Master Definitions Schedule relating to such Issuer; "Paying Agents" means the Principal Paying Agent and the US Paying Agent initially appointed as paying agents pursuant to the Current Issuer Paying and Agent Bank Agreement or, if applicable, any successor paying agents; "Payment Date" means, in relation to the Current Issuer Notes, the 20th day of March, June, September and December of each year, beginning in March 2004 or, in each case, if such day is not a Business Day, the next succeeding Business Day; "Pool Factor" has the meaning specified in Condition 5(C) of the Current Issuer Notes; "Potential Current Issuer Event of Default" has the same meaning as "Potential Note Event of Default"; "Preliminary Offering Circular" means, in relation to the Current Issuer Notes, the preliminary offering circular dated 7 January 2004 relating to the Reg S Notes and, in relation to Notes issued by any other Issuer, the preliminary offering circular relating to the Reg S Notes issued by such Issuer including, in each case, the Preliminary Prospectus attached thereto; "Preliminary Prospectus" means, in relation to the Current Issuer Notes, the preliminary prospectus dated 7 January 2004 relating to the US Notes and, in relation to Notes issued by any other Issuer, the preliminary prospectus relating to the US Notes issued by such Issuer; "Principal Amount Outstanding" in relation to the Current Issuer Notes, has the meaning set out in Condition 5(C) of the Current Issuer Notes and, in relation to Notes issued by any other Issuer, has the meaning set out in the Conditions of such Notes; "Principal Paying Agent" means in relation to the Current Issuer Notes, Citibank, N.A., whose principal office is 5 Carmelite Street, London EC4Y 0PA, in its capacity as principal paying agent at its specified office initially appointed as a principal paying agent pursuant to the Current Issuer Principal Paying and Agent Bank Agreement or, if applicable, any successor principal paying agent at its specified office; 21 "Prospectus" means, in relation to the Current Issuer Notes, the prospectus dated 23 January, 2004 relating to the US Notes and, in relation to Notes issued by any other Issuer, the prospectus relating to the US Notes issued by such Issuer; "Proxy" has the meaning specified in Schedule 4 to the Current Issuer Trust Deed; "Rate of Interest" in relation to the Current Issuer Notes, has the meaning given in Condition 4 of the Current Issuer Notes and, in relation to Notes issued by any other Issuer, has the meaning set out in the Conditions of such Notes; "Rating Agencies" means S&P, Moody's and Fitch, and "Rating Agency" means any of them; "Reasonable Prudent Mortgage Lender" or "reasonable prudent mortgage lender" means a reasonably prudent prime residential mortgage lender lending to Borrowers in England, Wales and Scotland who generally satisfy the lending criteria of traditional sources of residential mortgage capital; "Record Date" means the fifteenth day before the due date for any payment on the Notes; "Reference Banks" means the principal London office of each of Citibank N.A., ABN AMRO Bank N.V., Barclays Bank plc and The Royal Bank of Scotland plc or any bank that replaces such bank; "Reference Lenders" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Reg S Notes" means, in relation to the Current Issuer, the Series 2 Notes and the Series 3 Notes; "Register" means the register of Noteholders kept by the Registrar and which records the identity of each Noteholder and the number of Notes that each Noteholder owns; "Registrar" in respect of the Current Issuer Notes, means Citibank, N.A., acting through its office at 5 Carmelite Street, London EC4Y 0PA appointed initially pursuant to the Current Issuer Paying Agent and Agent Bank Agreement or, if applicable, any successor registrar at its specified office, and procured by the Current Issuer to maintain the Register; "Registration Statement" means the registration statement on Form S-11 (No. 333-107463) as filed with the SEC; "Regulation S Legend" has the meaning given to it in Section 16 of Schedule 2 to the Current Issuer Paying Agent and Agent Bank Agreement; "Regulations" means as the context may require either (i) the Unfair Terms in Consumer Contracts Regulations 1999 and/or, as applicable, the Unfair Terms in Consumer Contracts Regulations 1994 or (ii) the Regulations set out in Schedule 2 to the Current Issuer Paying Agent and Agent Bank Agreement; "Relevant Margin" has the meaning specified in Condition 4 of the Current Issuer Notes; "Relevant Note" has the meaning specified in Schedule 4 to the Current Issuer Trust Deed; "Relevant Screen Rate" has the meaning specified in Condition 4 of the Current Issuer Notes; "Representative" has the meaning specified in Schedule 4 to the Current Issuer Trust Deed; "Security Documents" means the Current Issuer Deed of Charge, the Funding Deed of Charge and each Deed of Accession entered into pursuant to the Funding Deed of Charge and any other security document entered into pursuant to any of the foregoing; 22 "Senior Noteholders" means the holders for the time being of the Class A Notes; "Senior Notes" means, in relation to the Current Issuer, the Class A Notes; "Series 1 Class A1 Dollar Currency Swap" means, in relation to the Current Issuer, the Sterling-Dollar currency swap transaction which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 1 Class A1 Notes in Dollars; "Series 1 Class A2 Dollar Currency Swap" means, in relation to the Current Issuer, the Sterling-Dollar currency swap transaction which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 1 Class A2 Notes in Dollars; "Series 1 Class A1 Dollar Currency Swap Provider" means Swiss Re Financial Products Corporation; "Series 1 Class A2 Dollar Currency Swap Provider" means Swiss Re Financial Products Corporation; "Series 1 Class A1 Global Note Certificate" means the Global Note Certificate to be issued in respect of the Series 1 Class A1 Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 1 Class A2 Global Note Certificate" means the Global Note Certificate to be issued in respect of the Series 1 Class A2 Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 1 Class A Global Note Certificates" means the Series 1 Class A1 Global Note Certificate and the Series 1 Class A2 Global Note Certificate and the "Series 1 Class A Global Note Certificate" means any one of them; "Series 1 Class A Noteholders" means the Series 1 Class A1 Noteholders and the Series 1 Class A2 Noteholders or any of them; "Series 1 Class A1 Noteholders" means the holders for the time being of the Series 1 Class A1 Notes; "Series 1 Class A2 Noteholders" means the holders for the time being of the Series 1 Class A2 Notes; "Series 1 Class A Notes" means the Series 1 Class A1 Notes and the Series 2 Class A2 Notes or any of them; "Series 1 Class A1 Notes" means the notes comprising the $1,185,000,000 Floating Rate Notes due December 2004 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 1 Class A1 Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 1 Class A1 Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; 23 "Series 1 Class A2 Notes" means the notes comprising the $1,185,000,000 Floating Rate Notes due March 2025 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 1 Class A2 Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 1 Class A2 Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 1 Class B Dollar Currency Swap" means, in relation to the Current Issuer, the Sterling-Dollar currency swap transaction, which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 1 Class B Notes in Dollars; "Series 1 Class B Dollar Currency Swap Provider" means Swiss Re Financial Products Corporation; "Series 1 Class B Global Note Certificate" means the Global Note Certificate to be issued in respect of the Series 1 Class B Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 1 Class B Noteholders" means the holders for the time being of the Series 1 Class B Notes; "Series 1 Class B Notes" means the notes comprising the $52,000,000 Floating Rate Notes due March 2044 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 1 Class B Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Form of Global Note Certificates) of the Current Issuer Trust Deed) the Series 1 Class B Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 1 Class M Dollar Currency Swap" means, in relation to the Current Issuer, the Sterling-Dollar currency swap transaction, which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 1 Class M Notes in Dollars; "Series 1 Class M Dollar Currency Swap Provider" means Swiss Re Financial Products Corporation; "Series 1 Class M Global Note Certificate" means the Global Note Certificate to be issued in respect of the Series 1 Class M Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 1 Class M Noteholders" means the holders for the time being of the Series 1 Class M Notes; "Series 1 Class M Notes" means the notes comprising the $72,000,000 Floating Rate Notes due March 2044 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and includes any replacement Series 1 Class M Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global 24 Note Certificates) of the Current Issuer Trust Deed) the Series 1 Class M Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 1 Class C Dollar Currency Swap" means, in relation to the Current Issuer, the Sterling-Dollar currency swap transaction, which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 1 Class C Notes in Dollars; "Series 1 Class C Dollar Currency Swap Provider" means Swiss Re Financial Products Corporation; "Series 1 Class C Global Note Certificate" means the Global Note Certificate to be issued in respect of the Series 1 Class C Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 1 Class C Noteholders" means the holders for the time being of the Series 1 Class C Notes; "Series 1 Class C Notes" means the notes comprising the $108,000,000 Floating Rate Notes due March 2044 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and includes any replacement Series 1 Class C Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 1 Class C Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 1 Global Note Certificates" means collectively the Series 1 Class A Global Note Certificates, the Series 1 Class B Global Note Certificate, the Series 1 Class M Global Note Certificate and the Series 1 Class C Global Note Certificate and "Series 1 Global Note Certificate" means any one of them; "Series 1 Notes" means collectively the Series 1 Class A Notes, the Series 1 Class B Notes, the Series 1 Class M Notes and the Series 1 Class C Notes; "Series 2 Class A1 Dollar Currency Swap" means in relation to the Current Issuer, the Sterling-Dollar currency swap transaction, which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 2 Class A1 Notes in Dollars; "Series 2 Class A1 Dollar Currency Swap Provider" means Banque AIG; "Series 2 Class A1 Global Note Certificate" means the Global Note Certificate to be issued in respect of the Series 2 Class A Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 2 Class A2 Global Note Certificate" means the Global Note Certificate to be issued in respect of the Series 2 Class A2 Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 2 Class A Noteholders" means the holders for the time being of the Series 2 Class A Notes; "Series 2 Class A Notes" means the Series 2 Class A1 Notes and the Series 2 Class A2 Notes; 25 "Series 2 Class A1 Notes" means the notes comprising the $1,185,000,000 Floating Rate Notes due March 2044 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 2 Class A1 Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 2 Class A1 Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 2 Class A2 Notes" means the notes comprising the (euro)900,000,000 Floating Rate Notes due March 2044 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 2 Class A Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 2 Class A Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 2 Class A2 Euro Currency Swap" means, in relation to the Current Issuer, the Sterling-Euro currency swap transaction which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 2 Class A2 Notes in Euro; "Series 2 Class A2 Euro Currency Swap Provider" means the Current Issuer Euro Currency Swap Provider; "Series 2 Class B Euro Currency Swap" means, in relation to the Current Issuer, the Sterling-Euro currency swap transaction which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 2 Class B Notes in Euro; "Series 2 Class B Euro Currency Swap Provider" means the Current Issuer Euro Currency Swap Provider; "Series 2 Class B Global Note Certificate" means the Global Note Certificate to be issued in respect of the Series 2 Class B Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 2 Class B Noteholders" means the holders for the time being of the Series 2 Class B Notes; "Series 2 Class B Notes" means the notes each comprising the (euro)91,000,000 Floating Rate Notes due March 2044 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 2 Class B Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 2 Class B Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 2 Class M Euro Currency Swap" means, in relation to the Current Issuer, the Sterling-Euro currency swap transaction which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 2 Class M Notes in Euro; 26 "Series 2 Class M Euro Currency Swap Provider" means the Current Issuer Euro Currency Swap Provider; "Series 2 Class M Global Note Certificate" means the Global Note Certificate to be issued in respect of the Series 2 Class M Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 2 Class M Noteholders" means the holders for the time being of the Series 2 Class M Notes; "Series 2 Class M Notes" means the notes each comprising the (euro)45,000,000 Floating Rate Notes due March 2044 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 2 Class M Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 2 Class M Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 2 Class C Euro Currency Swap" means, in relation to the Current Issuer, the Sterling-Euro currency swap transaction which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 2 Class C Notes in Euro; "Series 2 Class C Euro Currency Swap Provider" means the Current Issuer Euro Currency Swap Provider; "Series 2 Class C Global Note Certificate means the Global Note Certificate to be issued in respect of the Series 2 Class C Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 2 Class C Noteholders" means the holders for the time being of the Series 2 Class C Notes; "Series 2 Class C Notes" means the notes comprising the (euro)60,000,000 Floating Rate Notes due March 2044 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 2 Class C Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 2 Class C Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 2 Global Note Certificates" means collectively the Series 2 Class A Global Note Certificate, the Series 2 Class B Global Note Certificate, the Series 2 Class M Global Note Certificate and the Series 2 Class C Global Note Certificate and "Series 2 Global Note Certificate" means any one of them; "Series 2 Notes" means collectively the Series 2 Class A Notes, the Series 2 Class B Notes, the Series 2 Class M Notes and the Series 2 Class C Notes; "Series 3 Class A Global Note Certificate" means the Global Note Certificate to be issued in respect of the Series 3 Class A Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer 27 Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 3 Class A Noteholders" means the holders for the time being of the Series 3 Class A Notes; "Series 3 Class A Notes" means the notes comprising the (GBP)600,000,000 Floating Rate Notes due March 2044 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 3 Class A Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 3 Class A Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 3 Class B Global Note Certificate" means the Global Note Certificate to be issued in respect of the Series 3 Class B Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 3 Class B Noteholders" means the holders for the time being of the Series 3 Class B Notes; "Series 3 Class B Notes" means the notes comprising the (GBP)23,000,000 Floating Rate Notes due March 2044 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 3 Class B Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 3 Class B Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 3 Class M Global Note Certificate" means the Global Note Certificate to be issued in respect of the Series 3 Class M Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 3 Class M Noteholders" means the holders for the time being of the Series 3 Class M Notes; "Series 3 Class M Notes" means the notes comprising the (GBP)10,000,000 Floating Rate Notes due March 2044 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 3 Class M Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 3 Class M Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 3 Class C Global Note Certificate means the Global Note Certificate to be issued in respect of the Series 3 Class C Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "Series 3 Class C Noteholders" means the holders for the time being of the Series 3 Class C Notes; "Series 3 Class C Notes" means the notes comprising the (GBP)20,000,000 Floating Rate Notes due March 2044 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in 28 Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 3 Class C Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 3 Class C Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "Series 3 Global Note Certificates" means collectively the Series 3 Class A Global Note Certificate, the Series 3 Class B Global Note Certificate, the Series 3 Class M Global Note Certificate and the Series 3 Class C Global Note Certificate and "Series 3 Global Note Certificate" means any one of them; "Series 3 Notes" means collectively the Series 3 Class A Notes, the Series 3 Class B Notes, the Series 3 Class M Notes and the Series 3 Class C Notes; "Specified Office" means, as the context may require, in relation to any of the Agents, the office specified against the name of such Agent in the Current Issuer Paying Agent and Agent Bank Agreement or such other specified notice as may be notified to the Current Issuer and the Note Trustee pursuant to the Current Issuer Paying Agent and Agent Bank Agreement; "Step-up Date" means the Payment Date in respect of an Issuer on which the interest rate on the Notes issued by such Issuer increases by a pre-determined amount following the payment made by such Issuer on such Payment Date, which date in respect of the Current Issuer is the Payment Date occurring in March 2009; "Sterling Global Note Certificates" means the Global Note Certificates issued in respect of the Sterling Notes and the "Sterling Global Note Certificate" means any one of them; "Sterling Notes" means, in relation to the Current Issuer, the Series 3 Notes and, in relation to any other Issuer, the Notes issued by such Issuer in Sterling; "Subordinated Principal Test" in respect of the Current Issuer Notes, means the test which is satisfied if the following conditions are met: (1) in respect of the Series 1 Notes on any Payment Date up to and including the Step-Up Date, the aggregate principal amount of the Series 1 Class A Notes has been reduced to zero; and (2) in respect of the Series 1 Notes on any Payment Date after the Step-Up Date and in respect of the Series 2 Notes and the Series 3 Notes, (a) on any Payment Date occurring on or after the fourth anniversary of the Closing Date; and (b) on any Payment Date on which: (i) the percentage equal to the aggregate Principal Amount Outstanding of the Class B Notes, the Class M Notes and the Class C Notes at that Payment Date as a percentage of the aggregate Principal Amount Outstanding of the Notes as at that Payment Date is greater than (ii) the product of (x)2 and (y) the percentage equal to the Aggregate Principal Amount Outstanding of the Class B Notes , the Class M Notes and the Class C Notes, as at the Closing Date as a percentage of the aggregate Principal Amount Outstanding of the Notes as at the Closing Date. 29 "Swap Collateral" means any asset (including, without limitation, Cash and/or securities) paid or transferred to the Current Issuer by a Current Issuer Swap Provider in accordance with the terms of the relevant Current Issuer Swap Agreement as collateral to secure the performance of that Current Issuer Swap Provider's obligations under the relevant Current Issuer Swap Agreement together with any income or distributions received in respect of such asset and any equivalent of or replacement of such asset into which such asset is transformed; "Swap Collateral Accounts" means the Swap Collateral Cash Account and the Swap Collateral Securities Account; "Swap Collateral Ancillary Document" means any document (including, without limitation, any custodial agreement or bank account agreement but excluding the Current Issuer Swap Agreements, the Current Issuer Cash Management Agreement and the Current Issuer Deed of Charge) as may be entered into by the Issuer from to time in connection with Swap Collateral; "Swap Collateral Available Principal Amount" means, at any time, the amount of Swap Collateral which under the terms of the relevant Current Issuer Swap Agreement may be applied at that time in satisfaction of the relevant Current Issuer Swap Provider's obligations to the Current Issuer to the extent that such obligations relate to payments to be made in connection with the Current Issuer Pre-Enforcement Principal Priority of Payments or Current Issuer Post-Enforcement Priority of Payments, as the case may be; "Swap Collateral Available Revenue Amount" means, at any time, the amount of Swap Collateral which under the terms of the relevant Current Issuer Swap Agreement may be applied at that time in satisfaction of the relevant Current Issuer Swap Provider's obligations to the Current Issuer to the extent that such obligations relate to payments to be made in connection with the Current Issuer Pre-Enforcement Revenue Priority of Payments or Current Issuer Post-Enforcement Priority of Payments, as the case may be; "Swap Collateral Cash Account" means an account opened in the name of the Current Issuer for the purpose of holding Swap Collateral in Cash and maintained in accordance with the terms of the Current Issuer Cash Management Agreement; "Swap Collateral Excluded Amount" means, at any time, the amount of Swap Collateral which may not be applied at that time in satisfaction of the relevant Current Issuer Swap Provider's obligations to the Current Issuer under the terms of the relevant Current Issuer Swap Agreement; "Swap Collateral Ledger" means the ledger and any sub-ledgers maintained by the Current Issuer Cash Manager in the books of the Current Issuer in accordance with Clause 5.6 (Posted Collateral) of the Current Issuer Cash Management Agreement; "Swap Collateral Securities Account" means a securities account opened in the name of the Current Issuer for the purpose of holding Swap Collateral in the form of securities and maintained in accordance with the terms of the Current Issuer Cash Management Agreement; "Swap Provider Amount" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Swap Replacement Payment" means any amount received by the Current Issuer from a replacement to any of the Current Issuer Swap Providers upon entry by the Current Issuer into an agreement with such replacement swap provider replacing a Current Issuer Swap Agreement which has terminated following the occurrence of a Downgrade Termination Event; 30 "Tax Credit" has the meaning, where applicable, given to it in each Current Issuer Swap Agreement; "Telerate Page No. 3750" means the display designated as Page 3750 on the Dow-Jones/Telerate Monitor Service (or such other page as may replace Telerate Page No. 3750 on that service or such other service as may be nominated by the British Bankers' Association (including the Reuters Screen) as the information vendor for the purposes of displaying British Bankers' Association Interest Settlement Rates for deposits in the currency concerned); "Three Month LIBOR" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Transaction Document" means any of the following documents: (a) the Mortgages Trust Deed; (b) the Mortgage Sale Agreement; (c) the Funding Deed of Charge; (d) the Second Priority Funding Deed of Charge; (e) the Administration Agreement; (f) the Cash Management Agreement; (g) the Funding Guaranteed Investment Contract; (h) the Mortgages Trustee Guaranteed Investment Contract; (i) the Bank Account Agreement; (j) the Collection Bank Agreement; (k) the Share Trust Deed; (l) the Corporate Services Agreement; and (m) the Current Issuer Transaction Documents; "Transfer Agent" means Citibank, N.A., acting through its Specified Office at 5 Carmelite Street, London EC4Y 0PA, and initially appointed by the Current Issuer under the Current Issuer Paying Agent and Agent Bank Agreement to administer the transfer of Current Issuer Notes, or such other person for the time being acting as Transfer Agent under the Current Issuer Paying Agent and Agent Bank Agreement; "Trust Deed" means, in relation to the Current Issuer, the Current Issuer Trust Deed and, in relation to any other Issuer, the trust deed entered into on the relevant Closing Date constituting the Notes issued by such Issuer; "Trustee Acts" means both the Trustee Act 1925 and the Trustee Act 2000 of England and Wales; "Underwriters" means, in relation to the US Notes issued by the Current Issuer, Barclays Capital Inc., Citigroup Global Markets Limited, J.P. Morgan Securities Inc., Lehman Brothers Inc. and Merrill Lynch, Pierce, Fenner & Smith Incorporated; "US Notes" means, in relation to the Current Issuer, the Series 1 Notes; "US Paying Agent" means Citibank N.A. acting through its New York office as paying agent in the United States of America; 31 "Variable Rate Ratio" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Variable Rate Spread" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "Variable Rate Swap SVR" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; and "Weighted Average Fixed Rate" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement. 2. Interpretation and Construction Any reference in this Issuer Master Definitions Schedule or any Transaction Document to: "agreed form" means, in relation to any document, the draft of that document the form of which has been agreed between the parties thereto (or if such document is delivered pursuant to another Transaction Document, between the parties to such Transaction Document) and initialled on their behalf for the purpose of identification; the "assets" of any person shall be construed as a reference to the whole or any part of its business, undertakings, property, intellectual property, shares, securities, debts, accounts, revenues (including any right to receive revenues), goodwill, shareholdings and uncalled capital including premium whether now or hereafter acquired and any other assets whatsoever; "disposal" shall be construed as any sale, lease, transfer, conveyance, assignment, assignation, licence, sub-licence or other disposal and "dispose" shall be construed accordingly; the "assignment" of any Mortgage Loan shall be construed, in relation to any Scottish Mortgage Loan and its Related Security, so as to include the transfer of the beneficial interest therein and/or the legal title thereto, and the terms "assign" and "assigned" shall in that context be construed accordingly; a "guarantee" means any guarantee, bond, indemnity, letter of credit, third party security or other legally binding assurance against financial loss granted by one person in respect of any indebtedness of another person, or any agreement to assume any indebtedness of any other person or to supply funds or to invest in any manner whatsoever in such other person by reason of, or otherwise in relation to, indebtedness of such other person; "indebtedness" shall be construed so as to include any obligation (whether incurred as principal or as surety) for the payment or repayment of money, whether present or future, actual or contingent; a "month" is a reference to a period starting on one day in a calendar month and ending on the numerically corresponding day in the next calendar month save that, where any such period would otherwise end on a day which is not a business day, it shall end on the next business day, unless that day falls in the calendar month succeeding that in which it would otherwise have ended, in which case it shall end on the preceding business day, provided that, if a period starts on the last business day in a calendar month or if there is no numerically corresponding 32 day in the month in which that period ends, that period shall end on the last business day in that later month (and references to "months" shall be construed accordingly); "party" shall be construed as a party to a particular agreement, as the case may be; "subsidiary" means, (a) a subsidiary within the meaning of Section 736 of the Companies Act 1985, and (b) unless the context requires otherwise, a subsidiary undertaking within the meaning of Section 258 of the Companies Act 1985; "VAT" means value added tax imposed by the United Kingdom as referred to in the Value Added Tax Act 1994 and legislation (whether delegated or otherwise) replacing the same or supplemental thereto or in any primary or subordinate legislation promulgated by the European Union or any official body or agency thereof, and any similar turnover tax replacing or introduced in addition to any of the same; a "wholly-owned subsidiary" of a company or corporation shall be construed as a reference to any company or corporation which has no other members except that other company or corporation and that other company's or corporation's wholly-owned subsidiaries or persons acting on behalf of that other company or corporation or its wholly-owned subsidiaries; and the "winding-up" or "administration" of a company or corporation shall be construed so as to include any equivalent or analogous proceedings under the law of the jurisdiction in which such company or corporation is incorporated or any jurisdiction in which such company or corporation carries on business including the seeking of liquidation, winding-up, bankruptcy, reorganisation, dissolution, administration, arrangement, adjustment, protection or relief of debtors. 2.1 "(GBP)", "sterling", "Sterling" or "pounds sterling" denotes the lawful currency for the time being of the United Kingdom of Great Britain and Northern Ireland; "(euro)", "euro" or "Euro" denotes the lawful currency for the time being of the member states of the European Union that adopt the single currency introduced at the start of the third stage of European Economic Monetary Union pursuant to the Treaty of Rome of 25th March, 1957, establishing the European Community as amended from time to time and as amended by, inter alia, the Treaty of European Union of 7th February, 1992; "$", "US$", "US dollars", "dollars" or "Dollars" denotes the lawful currency for the time being of the United States of America. 2.2 In this Issuer Master Definitions Schedule and in any of the Transaction Documents in which this Issuer Master Definitions Schedule is expressed to be incorporated or to which this Issuer Master Definitions Schedule is expressed to apply: (a) words denoting the singular number only shall include the plural number also and vice versa; (b) words denoting one gender only shall include the other genders; (c) words denoting persons only shall include firms and corporations and vice versa; (d) references to any statutory provision shall be deemed also to refer to any statutory modification or re-enactment thereof or any statutory instrument, order or regulation made thereunder or under any such re-enactment; 33 (e) references to any agreement or other document (including any of the Transaction Documents) shall be deemed also to refer to such agreement or document as amended, varied, supplemented or novated from time to time; (f) clause, paragraph and schedule headings are for ease of reference only; (g) reference to a statute shall be construed as a reference to such statute as the same may have been, or may from time to time be, amended or re-enacted to the extent such amendment or re-enactment is substantially to the same effect as such statute on the date hereof; (h) unless stated otherwise reference to a time of day shall be construed as a reference to London (GMT) time; and (i) references to any person shall include references to his successors, transferees and assigns and any person deriving title under or through him. 2.3 Save as provided otherwise, where any obligation in a Transaction Document is owed to more than one party that obligation is owed to each of them separately and may be enforced by any of them. 2.4 Where a term is used but not defined in this Issuer Master Definitions Schedule, that term shall have the meaning indicated in the Master Definitions Schedule. 3. Governing Law This Issuer Master Definitions Schedule is governed by, and shall be construed in accordance with, the laws of England. 34
SCHEDULE 1 STANDARD DOCUMENTATION Part 1 Documents Used in the Origination of any Mortgage Type ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ A Mortgage Brochures ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A1 Hard to beat - Mortgages - An Introduction Dev 3 1.6.95 From 1 Jun 1995 to Apr 1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A2 Hard to Beat - Keeping the Benefits DEV 93 From 19 Jun 1995 Once Your Mortgage Ends 19.06.1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A3 Mortgages - A guide to costs Dev 143 1.7.95 From 1 Jul 1995 to Jul 1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A4 Mortgages - A guide to costs Dev 143 14.7.95 From 14 Jul 1995 to Sep 1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A5 Mortgages - A guide to costs Dev 143 4.9.95 From 4 Sep 1995 to Nov 1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A6 Mortgages - A guide to costs Dev 143 30.11.95 From 30 Nov 1995 to Dec 1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A7 Mortgages - A guide to costs Dev 143 13.12.95 From 13 Dec 1995 to Mar 1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A8 Mortgages - A guide to costs Dev 143 8.3.96 From 8 Mar 1996 to Jun 1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A9 Mortgages - A guide to costs Dev 143 10.6.96 From 10 Jun 1996 to Feb 1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A10 Hard to Beat - Keeping the Benefits DEV 93 From 1 Sept 1996 Once Your Mortgage Ends 01.9.1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A11 Mortgages - A guide to costs Dev 143 11.2.97 From 11 Feb 1997 to Mar 1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A12 You and your mortgage - The Mortgage Code [Introductory leaflet] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A13 The Mortgage Code First Edition: From Mar 1997 March 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A14 Mortgages - A guide to costs Dev 143 27.3.97 From 27 Mar 1997 to May 1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A15 Hard to beat - Mortgages - An Introduction Dev 3 10.4.97 From 10 Apr 1997 to Jul 1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A16 Mortgages - A guide to costs Dev 143 6.5.97 From 6 May 1997 to Jul 1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A17 Hard to beat - Mortgages - An Introduction Dev 3 1.7.97 From 1 Jul 1997 to Oct 1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ 35 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A18 Mortgages - A guide to costs - Hard to Beat Dev 143 11.7.97 From 11 Jul 1997 to Oct 1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A19 Hard to beat - Mortgages - An Introduction MAR 1 1.10.97 From 1 Oct 1997 to Dec 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A20 Mortgages - A guide to costs - Hard to Beat MAR 2 1.10.97 From 1 Oct 1997 to Nov 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A21 Hard to Beat - Keeping the Benefits MAR 9 From 1 Oct 1997 Once Your Mortgage Ends 01.10.1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A22 Mortgages - A guide to costs - Hard to Beat MAR 2 12.11.97 From 12 Nov 1997 to Feb 1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A23 Hard to beat - Mortgages - An Introduction MAR 1 15.12.97 From 15 Dec 1997 to Feb 1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A24 Hard to beat - Mortgages - An Introduction MAR 1 12.2.98 From 12 Feb 1998 to Oct 1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A25 Mortgages - A guide to costs - Hard to Beat MAR 2 12.2.98 From 12 Feb 1998 to Jun 1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A26 Hard to Beat - Keeping the Benefits Once Your MAR 9 From 12 Feb 1998 Mortgage Ends 12.2.1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A27 The Mortgage Code Second Edition: From Apr 1998 April 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A28 Mortgages - A guide to costs - Hard to Beat MAR 2/8267 17.6.98 From 17 Jun 1998 to Oct 1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A29 Hard to Beat - Keeping the Benefits Once Your MAR 9/8375 From 1 Aug 1998 Mortgage Ends 01.8.1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A30 Mortgages - A guide to costs - Hard to Beat MAR 2/8528 8.10.98 From 8 Oct 1998 to Nov 1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A31 Hard to beat - Mortgages - An Introduction MAR 1 23.10.98 From 23 Oct 1998 to Feb 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A32 Mortgages - A guide to costs - Hard to Beat MAR 2/8600 5.11.98 From 5 Nov 1998 to Jan 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A33 Mortgages - A guide to costs - Hard to Beat MAR 2/8729 7.1.99 From 7 Jan 1999 to Feb 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A34 Mortgages - A guide to costs - Hard to Beat MAR 2/8789 4.2.99 From 4 Feb 1999 to Apr 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A35 Mortgages - An Introduction MAR 1 25.2.99 From 25 Feb 1999 to Jun 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A36 Mortgages - A guide to costs - Hard to Beat MAR 2/8923 13.4.99 From 13 Apr 1999 to Jun 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A37 Mortgages - the details MAR 23/8958 From 16 Jun 1999 to Jan 2000 Northern Rock plc 16.6.99 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A38 Mortgages - the costs MAR 244/8958 From 16 Jun 1999 to Jun 1999 Northern Rock plc 16.6.99 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A39 Mortgages - the costs MAR 244/9115 From 28 Jun 1999 to Nov 1999 Northern Rock plc 28.6.99 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A40 Mortgages - the costs MAR 244/9489 From 9 Nov 1999 to Jan 2000 Northern Rock plc 9.11.99 ------------------------------------------------------------------------------------------------------------------------ 36 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A41 Mortgages - the details MAR 235/9611 From 4 Jan 2000 to May 2000 Northern Rock plc 4.1.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A42 Mortgages - the costs MAR 244/9679 From 17 Jan 2000 to Mar 2000 Northern Rock plc 17.1.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A43 Be straight with me - Mortgage costs MAR 244/9815 From 4 Mar 2000 to Apr 2000 in black and white 4.3.2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A44 Safe & Sure - Keeping the Benefits MAR 9/9895 From 14 Mar 2000 Once Your Mortgage Ends 14.3.2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A45 Be straight with me - Mortgage costs MAR 244/10029 From 27 Apr 2000 to Jan 2001 in black and white 27.4.2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A46 Give me the facts - Mortgage details MAR 235/9666 and From 1 May 2000 to Oct 2000 explained Northern Rock plc 5.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A47 Give me a choice - Mortgage deals to suit MAR 236/10198 and From 28 Jun 2000 to Aug 2000 everyone 28.6.2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A48 Give me a choice - Mortgage deals to suit MAR 236/10332 From 4 Aug 2000 everyone 4.8.2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A49 Give me the facts - Mortgage details MAR 235/10554 and From Oct 2000 to Jan 2001 explained Northern Rock plc 10.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A50 Give me the facts MAR 235/10899 From 10 Jan 2001 to Sep 2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A51 Be straight with me - Mortgage costs MAR 244/10868 From 10 Jan 2001 to Feb 2001 in black and white 10.1.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A52 Be straight with me - Mortgage costs MAR 244/10998 From 8 Feb 2001 to Apr 2001 in black and white 8.2.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A53 Be straight with me - Mortgage costs MAR 244/11170 From 5 Apr 2001 to May 2001 in black and white 5.4.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A54 Be straight with me - Mortgage costs MAR 244/11281 From 10 May 2001 to Aug 2001 in black and white 10.5.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A55 Be straight with me - Mortgage costs MAR 244/11592 From 2 Aug 2001 to Sep 2001 in black and white 2.8.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A56 Give me the facts MAR 235/11679 From 3 Sep 2001 Northern Rock plc 3.9.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A57 Be straight with me - Mortgage costs MAR 244/11592 From 3 Sep 2001 to Sep 2001 in black and white 3.9.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A58 Be straight with me - Mortgage costs MAR 244/11807 From 19 Sep 2001 to Oct 2001 in black and white 19.9.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A59 Be straight with me - Mortgage costs MAR 244/11855 From 4 Oct 2001 to Nov 2001 in black and white 4.10.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ 37 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A60 Be straight with me - Mortgage costs MAR 244/11973 From 8 Nov 2001 in black and white 8.11.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A61 Safe & Sure - Keeping the Benefits Once Your MAR 9/12119 From 12 Dec 2001 Mortgage Ends 12.12.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A62 Give me the facts MAR 235/12189 From 9 Jan 2002 Northern Rock plc 9.1.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A63 All you need to know about mortgages MAR 235/12275 From 21 Jan 2002 Northern Rock plc 21.1.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A64 Be straight with me - Mortgage costs in black MAR 244/12486 From 1 Apr 2002 and white 1.4.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A65 All you need to know about mortgages MAR 235/12537 From 9 May 2002 Northern Rock plc 9.5.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A66 Be straight with me - Mortgage costs in black MAR 244/12539 From 9 May 2002 and white 9.5.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A67 Be straight with me - Mortgage costs MAR 244/12859 From 26 Jul 2002 in black and white 26.7.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A68 All you need to know about mortgages MAR 235/13039 From 10 Oct 2002 Northern Rock plc 10.10.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A69 I want a shorter mortgage, and I want MAR 617/13070 From 10 Oct 2002 guarantees - Mortgages Guaranteed Repayment 10.10.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A70 Be straight with me - Mortgage costs MAR 244/12123 From 10 Oct 2002 in black and white 10.10.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A71 Hard to Beat - Keeping the Benefits MAR 9 From 1 Oct 1997 Once Your Mortgage Ends 01.10.1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A72 Mortgage costs in black and white MAR 244/13280 From 6 Jan 2003 Northern Rock plc 06.01.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A73 All you need to know about Mortgages MAR 235/13279 From 9 Jan 2003 Northern Rock plc 09.01.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A74 I want a shorter mortgage, and guarantee MAR 617/13371 From 10 Jan 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A75 Mortgage costs in black and white MAR 244/13437 From 27 Jan 2003 Northern Rock plc 27.01.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A76 Mortgage costs in black and white MAR 244/13501 From 8 Feb 2003 Northern Rock plc 08.02.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A77 Mortgages - safe and sure - keep the MAR 9/12337 Valid until further notice benefits once your mortgage is paid off 1.3.2003 1.2.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A78 Mortgage Deals to Suit Everyone - Update 18 MAR 236 Valid until further notice - June 2003 18.6.2003 18.6.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A79 I want a Shorter Mortgage, and I want MAR 617/13538 Valid until further notice - Guarantee 18.6.2003 18.6.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A80 What's it going to Cost? MAR 302 Valid until further notice - 18.6.2003 18.6.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 38 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ A81 I want to Buy to Let MAR 466/13927 Valid until further notice - 18.6.2003 18.6.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A82 Intermediaries - Mortgage Product Update - MAR 035 Valid until further notice - No. 6 18.6.2003 18.6.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A83 Mortgage Costs in Black and White MAR 244/14005 Valid until further notice - 14.7.2003 14.7.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A84 Mortgage Deals to Suit Everyone - Update MAR 236 Valid until further notice - 14 July 2003 14.7.2003 14.7.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A85 I want a Shorter Mortgage, and I want MAR 617/14008 Valid until further notice - Guarantees 14.7.2003 14.7.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A86 I want to Buy to Let MAR 466/14007 Valid until further notice - 14.7.2003 14.7.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A87 What's it going to Cost? MAR 302 Valid until further notice - 14.7.2003 14.7.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A88 Intermediaries - Mortgage Product Update MAR 035/14031 Valid until further notice - - No. 7 14.7.2003 14.7.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A89 Mortgage Costs in Black and White MAR 244/14055 Valid until further notice - 25.7.2003 25.7.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A90 Mortgage Deals to Suit Everyone - Update 25 MAR 236 Valid until further notice - July 2003 25.7.2003 25.7.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A91 I want to Buy to Let MAR 466/14056 Valid until further notice - 25.7.2003 25.7.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A92 What's it going to Cost? MAR 302 Valid until further notice - 25.7.2003 25.7.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A93 Intermediaries - Mortgage Product Update MAR 035/14031 Valid until further notice - - No. 8 25.7.2003 25.7.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A94 Mortgage Deals to Suit Everyone - Update 8 MAR 236 Valid until further notice - August 2003 8.8.2003 8.8.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A95 I want to Buy to Let MAR 466/14133 Valid until further notice - 8.8.2003 8.8.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A96 What's it going to Cost? MAR 302 Valid until further notice - 8.8.2003 8.8.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A97 Intermediaries - Mortgage Product Update MAR 035/14104 Valid until further notice - - No. 9 8.8.2003 8.8.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A98 All you need to know about mortgages MAR 235/13729 Valid until further notice - 1.5.2003 1.5.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A99 Intermediaries - Mortgage Product Update No. MAR 035/14201 Valid 9.9.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A100 Mortgage Deals to Suit Everyone - Update 9th MAR 236 Valid until further notice September 2003 9.9.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A101 Intermediaries - Mortgage Product MAR 035/14374 Valid 14.10.2003 Update No. 11 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A102 Mortgage Deals to Suite Everyone - Update MAR 236 Valid until further notice 14th October 2003 14.10.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ A103 Mortgage Costs in Black and White MAR 244/14379 Valid until further notice - 14.10.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B Mortgage Summary Information - Borrowers (i.e. given to Borrowers dealing directly with Northern Rock) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B1 Update 18th September 2000 MAR 236 18.9.2000 From 18 Sept 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 39 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ B2 Update 2nd October 2000 MAR 236 2.10.2000 From 02 Oct 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B3 Update 22nd November 2000 MAR 236 22.11.2000 From 22 Nov 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B4 Update 10th January 2001 MAR 236 10.1.2001 From 10 Jan 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B5 Update 1st February 2001 MAR 236 1.2.2001 From 01 Feb 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B6 Update 12th February 2001 MAR 236 12.2.2001 From 12 Feb 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B7 Update 22nd February 2001 MAR 236 22.2.2001 From 22 Feb 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B8 Update 6th April 2001 MAR 236 6.4.2001 From 06 Apr 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B9 Update 10th May 2001 MAR 236 10.5.2001 From 10 May 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B10 Update 22nd June 2001 MAR 236 22.6.2001 From 22 June 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B11 Update 2nd August 2001 MAR 236 2.8.2001 From 02 Aug 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B12 Update 3rd September 2001 MAR 236 3.9.2001 From 03 Sept 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B13 Update 19th September 2001 MAR 236 19.9.2001 From 19 Sept 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B14 Update 4th October 2001 MAR 236 4.10.2001 From 04 Oct 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B15 Update 5th December 2001 MAR 236 5.12.2001 From 05 Dec 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B16 Update 7th January 2002 MAR 236 7.1.2002 From 07 Jan 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B17 Update 15th January 2002 MAR 236 15.1.2002 From 15 Jan 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B18 Update 25th January 2002 MAR 236 25.1.2002 From 25 Jan 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B19 Update 9th February 2002 MAR 236 09.2.2002 From 9 Feb 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B20 Update 20th March 2002 MAR 236 20.3.2002 From 20 Mar 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B21 Update 10th May 2002 MAR 236 10.5.2002 From 10 May 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B22 Update 26th July 2002 MAR 236 26.7.2002 From 26 Jul 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B23 Update 7th August 2002 MAR 236 07.8.2002 From 7 Aug 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B24 Update 30th August 2002 MAR 236 30.8.2002 From 30 Aug 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B25 Update 21st October 2002 MAR 236 21.10.2002 From 21 Oct 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 40 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ B26 Update 8th November 2002 MAR 236 08.11.2002 From 8 Nov 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B27 Update 27th November 2002 MAR 236 From 27 Nov 2002 27.11.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B28 Update 10th Jan 2003 MAR 236 From 10 Jun 2003 10.01.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B29 Update 8th Feb 2003 MAR 236 From 8 Feb 2003 08.02.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B30 Mortgages for Landlords - Update MAR 466/14234 Valid until further notice 9th September 09 Sep 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ B31 Mortgages for Landlords - Update MAR 466/14380 Valid until further notice 14th October 14 Oct 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C Mortgage Summary Information - Brokers (i.e. given to Borrowers dealing directly with Northern Rock) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C1 Mortgage Update Regular editions from 17 Nov 1994 onwards ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C2 Mortgage Update 9th December 1994 Dev 291 From 09 Dec 1994 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C3 Mortgage Update 19th December 1994 Dev 291 From 19 Dec 1994 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C4 Mortgage Update 11th January 1995 Dev 291 From 11 Jan 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C5 Mortgage Update 1st February 1995 Dev 291 From 01 Feb 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C6 Mortgage Update 24th March 1995 Dev 291 From 24 Mar 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C7 Mortgage Update 18th April 1995 Dev 291 From 18 April 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C8 Mortgage Update 17th May 1995 Dev 291 From 17 May 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C9 Mortgage Update 5th June 1995 Dev 291 From 05 Jun 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C10 Mortgage Update 19th June 1995 Dev 291 From 19 Jun 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C11 Mortgage Update 17th July 1995 Dev 291 From 17 Jul 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C12 Mortgage Update 1st September 1995 Dev 291 From 01 Sep 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C13 Mortgage Update 4th September 1995 Dev 291 From 04 Sep 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C14 Mortgage Update 16th October 1995 Dev 291 From 16 Oct 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C15 Mortgage Update 30th November 1995 Dev 291 From 30 Nov 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C16 Mortgage Update 13th December 1995 Dev 291 From 13 Dec 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C17 Mortgage Update 3rd January 1996 Dev 291 From 03 Jan 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C18 Mortgage Update 18th January 1996 Dev 291 From 18 Jan 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C19 Mortgage Update 25th January 1996 Dev 291 From 25 Jan 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C20 Mortgage Update 12th March 1996 Dev 291 From 12 Mar 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C21 Mortgage Update 22nd April 1996 Dev 291 From 22 Apr 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C22 Mortgage Update 10th June 1996 Dev 291 From 10 Jun 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C23 Mortgage Update 2nd September 1996 Dev 291 From 02 Sep 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C24 Mortgage Update 21st October 1996 Dev 291 From 21 Oct 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C25 Mortgage Update 11th November 1996 Dev 291 From 11 Nov 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C26 Mortgage Update 3rd January 1997 Dev 291 From 03 Jan 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C27 Mortgage Update 11th February 1997 Dev 291 From 11 Feb 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 41 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ C28 Guide to Mortgages Dev 434 From 04 Apr 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C29 Mortgage Update Dev 435 From 04 Apr 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C30 Mortgage Update 28.5.97 Dev 435 From 28 May 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C31 Mortgage Update 9.6.97 Dev 435 From 09 Jun 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C32 Mortgage Update 25.6.97 Dev 435 From 25 Jun 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C33 Mortgage Update 11.8.97 Dev 435 From 11 Aug 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C34 Mortgage Update 3.9.97 Dev 435 From 03 Sep 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C35 Mortgage Update 17.9.97 Dev 435 From 17 Sep 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C36 Mortgage Update - Issue No 1 MAR 35 From 03 Nov 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C37 Mortgage Update - Issue No 2 MAR 35 From 12 Nov 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C38 Mortgage Update - Issue No 3 MAR 35 From 16 Dec 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C39 Mortgage Update - Issue No 5 MAR 35 From 29 Jan 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C40 Mortgage Update - Issue No 6 MAR 35 From 12 Feb 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C41 Mortgage Update - Issue No 7 MAR 35 From 01 Apr 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C42 Mortgage Update - Issue No 8 MAR 35 From 06 May 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C43 Mortgage Update - Issue No 9 MAR 35 From 17 Jun 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C44 Mortgage Update - Issue No 9 MAR 35 From 01 Jul 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C45 Mortgage Update - Issue No 10 MAR 35 From 08 Aug 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C46 Mortgage Update - Issue No 11 MAR 35 From 19 Sep 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C47 Mortgage Update - Issue No 12 MAR 35 From 08 Oct 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C48 Mortgage Update - Issue No 13 MAR 35 From 05 Nov 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C49 Mortgage Update - Issue No 14 MAR 35 From 07 Dec 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C50 Mortgage Update - Issue No 15 MAR 35 From 22 Jan 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C51 Mortgage Update - Issue No 16 MAR 35 From 04 Feb 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C52 Mortgage Update - Issue No 17 MAR 35 From 06 Mar 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C53 Mortgage Update - Issue No 18 MAR 35 From 13 Apr 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C54 Mortgage Update - Issue No 19 MAR 35 From 16 Jun 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C55 Mortgage Update - Issue No 20 MAR 35 From 28 Jul 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C56 Mortgage Update - Issue No 21 MAR 35 From 26 Aug 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C57 Together Flexible - Total Flexibility in One Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C58 Mortgage Update - Issue No 22 MAR 35 From 09 Sep 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C59 Mortgage Update - Issue No 23 MAR 35 From 29 Sep 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C60 Mortgage Update - Issue No 24 MAR 35 From 09 Nov 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C61 Mortgage Update - Issue No 25 MAR 35 From 01 Dec 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C62 Mortgage Update - Issue No 26 MAR 35 From 04 Jan 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C63 Mortgage Update - Issue No 27 MAR 35 From 17 Jan 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C64 Mortgage Update - Issue No 28 MAR 35 From 10 Mar 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C65 Mortgage Update - Issue No 29 MAR 35 From 27 Apr 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C66 Mortgage Update - Issue No 30 MAR 35 From 07 Jun 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C67 Mortgage Update - Issue No 31 MAR 35 From 28 Jun 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C68 Mortgage Update - Issue No 32 MAR 35 From 04 Aug 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C69 Mortgage Update - Issue No 33 From 18 Sep 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 42 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ C70 Mortgage Update - Issue No 34 From 02 Oct 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C71 Mortgage Update - Issue No 47 MAR035 From 08 Nov 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C72 Mortgage Update - Issue No 48 MAR035 From 05 Dec 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C73 Mortgage Update - Issue No 49 MAR035 From 07 Jan 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C74 Mortgage Update - Issue No 49 MAR035 From 16 Jan 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C75 Mortgage Update - Insert to be used in MAR035 From 16 Jan 2002 conjunction with Issue No 49 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C76 Mortgage Update - Insert to be used in MAR035 From 16 Jan 2002 conjunction with Issue No 49 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C77 Mortgage Update - Issue No 50 MAR035 From 23 Mar 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C78 Mortgage Update - Issue No 51 MAR035 From 10 May 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C79 Mortgage Update - dated 10 May 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C80 Mortgage Update - Issue No 52 MAR035 From 26 Jul 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C81 Mortgage Update - Issue No 53 MAR035 From 7 Aug 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C82 Mortgage Update - Issue No 54 MAR035 From 30 Aug 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C83 Mortgage Update - Issue No 55 MAR035 From 4 Sep 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C84 Mortgage Update - Issue No 56 MAR035 From 8 Oct 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C85 Mortgage Update - Issue No 57 MAR035 From 21 Oct 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C86 Mortgage Update - Issue No 58 MAR035 From 8 Nov 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C87 Mortgage Update - Issue No 59 MAR035 From 27 Nov 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C88 Intermediaries - Mortgage Product Update - MAR035 From 10 Jun 2003 Issue No 1 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ C89 Intermediaries - Mortgage Product Update - MAR035 From 8 Mar 2003 Issue No 2 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ D Mortgage Advice - Borrowers (i.e. given to Borrowers dealing directly with Northern Rock) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ D1 Mortgage Product Advice and Recommendation Valid September From Sep 2000 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ E Offers of Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ E1 Offer of Advance ADV6F/0396 From Mar 1996 (with General Conditions on reverse) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ E2 Offer of Advance ADV6B/0300 From Mar 2000 (with General Conditions on reverse) In triplicate - white, blue and Northern Rock plc green copies. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ E3 Revised Offer of Loan [Northern From July 2001 - used in Rock copy] Northern Rock plc conjunction with General Conditions introduced on same date - Most of the content of the document is variable and is specific to individual customers/mortgage products ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F General Conditions (used on reverse of Offer of Advance) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F1 General Conditions [ADV6/1094] From Oct 1994 to Jun 1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 43 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ F2 General Conditions ADV6/0695 From Jun 1995 to Jul 1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F3 General Conditions ADV6/0795 From Jul 1995 to Jan 1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F4 General Conditions ADV6/0196 From Jan 1996 to Dec 1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F5 General Conditions ADV6/1296 From Dec 1996 to ? Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F6 General Conditions ADV6B/1296 From Dec 1996 to Oct 1997 Northern Rock Building Society [Offer of Advance ADV6F/0396 on the reverse] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F7 General Conditions ADV6B/1097 From Oct 1997 to Dec 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F8 General Conditions ADV6B/1297 From Dec 1997 to Jan 1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F9 General Conditions ADV6B/0198 From Jan 1998 to Jun 1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F10 General Conditions ADV6B/0698 From Jun1998 to Jan 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F11 General Conditions ADV6B/0199 From Jan 1999 to Sep 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F12 General Conditions ADV6B/0999 From Sep 1999 to Mar 2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F13 General Conditions ADV6B/0300 From Mar 2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F14 Terms and Conditions - Applicant Copy OBA1/0900 on cover From Sep 2000 Northern Rock plc OBA2/0900 on reverse ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F15 Terms and Conditions - Solicitor Copy OBS1/0900 on cover From Sep 2000 Northern Rock plc OBS2/0900 on reverse ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F16 Terms and Conditions - Applicant Copy OBA1/0101 on cover From Jan 2001 Northern Rock plc OBA2/0101 on reverse ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F17 Terms and Conditions - Solicitor Copy OBA1/0101 on cover From Jan 2001 Northern Rock plc OBA2/0101 on reverse ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F18 General Conditions ADV282/ July 2001 From July 2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F19 Product Transfer - General Conditions SB/T&C/FLEX/05/02 From May 2002 (Flexible) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F20 General Conditions [English and Scottish] ADV6/0695 Jun 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F21 General Conditions [English and Scottish] ADV6/0795 Jul 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F22 General Conditions [English and Scottish] ADV6/0196 Jan 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F23 General Conditions [English and Scottish] ADV6/1296 Dec 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 44 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ F24 General Conditions [English and Scottish] ADV6/1097 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F25 General Conditions [English and Scottish] ADVB6/1297 Dec 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F26 General Conditions [English and Scottish] ADV6B/1297 Dec 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F27 General Conditions [English and Scottish] ADV6B/0198 Jan 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F28 General Conditions [English and Scottish] ADV6B/0698 Jun 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F29 General Conditions [English and Scottish] ADV6B/0199 Jan 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F30 General Conditions [English and Scottish] ADV6/0699 Jun 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F31 General Conditions [English and Scottish] ADV6/0300 Mar 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F32 Terms and Conditions [English and Scottish] OBA1/0900 Sep 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F33 Terms and Conditions [English and Scottish] OBA1/0900 Sep 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ F34 Terms and Conditions [English and Scottish] OBA1/0101 Jan 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ G Mortgage Conditions/Building Society Rules ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ G1 Rules of Northern Rock Building Society GEN 128/1.94 From 28 Apr 1992 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ G2 Mortgage Conditions 1995 ADV72 06/95 From Jun 1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ G3 Mortgage Conditions 1997 ADV 72 08/97 From Aug 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ G4 Mortgage Conditions 2001 ADV 276 07/2001 From Oct 2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ G5 Mortgage Offer General Conditions ADV282/00701 Jul 2001 [English and Scottish] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ H Occupiers Undertakings ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ H1 Agreement and Undertaking scjh0404/stand ? Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ H2 Agreement and Undertaking (LIF)LIFE30 From Aug 1997 Northern Rock ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ H3 Agreement and Undertaking st/peps From Oct 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ H4 Agreement and Undertaking JAGO3/0500 From May 2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ H5 Agreement and Undertaking UNDERTAKE June From June 2000 Northern Rock plc 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I Miscellaneous Mortgage Documentation ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I1 Mortgage of Life Policy SEC 16 /02.94 From Feb 1994 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I2 Mortgage of Life Policy SEC 16 /06.95 From Jun 1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I3 Valuations and Surveys - hard to beat DEV 125 From 19 Jun 1995 Northern Rock Building Society 19.6.1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I4 Valuations and Surveys - hard to beat DEV 125 From 14 Aug 1995 Northern Rock Building Society 14.8.1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I5 Guarantors Confirmation (Existing Borrowers) ADV 266.7/97 From Jul 1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I6 Mortgage of Life Policy SEC 16T /10.97 From Oct 1997 Northern Rock Building Society/Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 45 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ I7 Mortgage of Life Policy SEC 16 /10.97 From Oct 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I8 Guarantors Confirmation (Existing ADV 266.10/97 From Oct 1997 Borrowers) Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I9 Guarantors Confirmation ADV 265.10/97 From Oct 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I9(a) Guarantors Confirmation ADV 265.06/00 From Jun 2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I10 Application for Transfer of Ownership MA 31/10.97 From Oct 1997 of a Mortgaged Property Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I11 Notice of Assignment of Life Policy ADV 29 /11.99 From Nov 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I12 Individual Savers Account (ISA) Policy JAGO2/0500 From May 2000 Arrangements form ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I13 Application for Transfer of Ownership MA 31/Feb.01 From Feb 2001 of a Mortgaged Property Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I14 Deed of Guarantee SOL013 / July 2001 From Jul 2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I15 Guarantors Confirmation NRDGC 05/02 From May 2002 - This document is Northern Rock plc only used by Northern Rock Direct ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I16 Confirmation of Identity GASelfCert - Aug From Aug 2003 Northern Rock plc 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ I17 Release and Re-assignment of Life Policy SEC 51/10.97 1 Oct 1997 [English And Scottish] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J Mortgage Origination and Completion - Solicitors/Other Third Party Documentation ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J1 Valuations and Surveys - Helping you DEV 125 From 1 Oct 1992 ensure your home is a solid investment 01.10.1992 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J2 Report on Title and Funds Request MA55 01/94 From Jan 1994 (including Instructions to Solicitors/Licensed Conveyancers) Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J3 Report on Title and Funds Request MA55 /04.96 From Apr 1996 (including Instructions to Solicitors/Licensed Conveyancers) Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J4 Changes of Ownership in Mortgaged ADV 54 /05.96 From May 1996 Property - Note to Solicitors Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J5 Report on Title and Funds Request MA55 /01.97 From Jan 1997 (including Instructions to Solicitors/Licensed Conveyancers) Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J6 Changes of Ownership in Mortgaged ADV 54 02.97 From Feb 1997 Property - Note to Solicitors Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 46 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ J7 Changes of Ownership in Mortgaged Property - ADV 54 07.97 From Jul 1997 Note to Solicitors Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J8 Report on Title and Funds Request (including MA55 /10.97 From Oct 1997 Instructions to Solicitors/Licensed Conveyancers) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J9 Changes of Ownership in Mortgaged Property - ADV 54 10.97 From Oct 1997 Note to Solicitors Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J10 Valuations and Surveys - hard to beat MAR 6 From 1 Oct 1997 Northern Rock plc 1.10.1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J11 Report and Valuation for Mortgages ADV 155 10.97 From Oct 1997 Purposes on behalf of Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J12 Report and Valuation for Mortgages Purposes ADV 179 10.97 From Oct 1997 on behalf of Northern Rock plc - Sheet 2 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J13 Report and Valuation for Mortgages Purposes ADV 267 10.97 From Oct 1997 on behalf of Northern Rock plc - Sheet 2 in respect of loans exceeding(GBP)150,000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J14 Report and Valuation for Mortgages Purposes ADV 7a 10.97 From Oct 1997 on behalf of Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J15 Reinspection Report ADV 76 10.97 From Oct 1997 Northern Rock plc (2 versions) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J16 Additional Advance Valuation Report ADV 127B 10.97 From Oct 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J17 Report and Valuation for Mortgages Purposes ADV 155 12.98 From Dec 1998 on behalf of Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J18 Part 2 Instructions (in relation to the CML Offers of Advance issued from 01 Lenders' Handbook for England & Wales) Jun 2000[?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J19 Certificate of Title JAGO4/0700 From Jul 2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J20 Certificate of Title COT/0700 From Jul 2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J21 Part 2 Instructions (in relation to the CML Offers of Advance issued from Lenders' Handbook for England & Wales) late Summer 2000[?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J22 Deeds Dematerialisation [Notice to [From Apr 2000?] solicitors] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J23 Valuations and Surveys - Property MAR 6/10550 From Oct 2000 Northern Rock plc Oct 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J24 Changes of Ownership in Mortgaged ADV 54 11/00 From Nov 2000 Property - Note to Solicitors Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J25 Certificate of Title (including Drawdown COT/0502 From May 2002 Loan Certificate) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J26 Valuations and Surveys - Property MAR 6/12661 From May 2002 Northern Rock plc May 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J27 Report and Valuation for Mortgages Purposes AL/SAS/267/ From Sep 2002 on behalf of Northern Rock plc - Sheet 2 in (500+) 09.02 respect of loans exceeding(GBP)1,000,000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 47 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ J28 Certificates of Title COT/1102 From Nov 2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J29 Report and Valuation for Mortgage Purposes ADV 155/07.03 From July 2003 on behalf of Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J30 Funds Release (Certificate of Title) N/A 18 Jun 2001 for Rapid Remortgages with Multiple Clients [English And Scottish] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J31 Part 2 - Name of Mortgage Lender (CML N/A 1 Oct 2002 Mortgage Lender's Handbook for England and Wales) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J32 Part 2 - Name of Mortgage Lender (CML N/A 1 Nov 2002 Mortgage Lender's Handbook for England and Wales) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J33 Part 2 - Name of Mortgage Lender (CML N/A 13 Oct 2003 Mortgage Lender's Handbook for England and Wales) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J34 Memo from D. Maughan to C Jobe re. N/A 13 Nov 2003 Unsecured Business - Third Party Contracts (The Motley Fool) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J35 Agreement between Northern Rock and N/A 5 Nov 2003 The Motley Fool re. Media Service (Advertising) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J36 Letter from Mortgage Next to Northern 28 Aug 2003 Rock re. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J37 Procuration Fee Approval Form in relation 26 Nov 2003 to Moneyextra ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J38 Procuration Fee Approval Form in relation 27 Nov 2003 to Traditional Intermediaries ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J39 Northern Rock Intermediary Registration N/A N/A Form ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ J40 Northern Rock Standard Form Intermediary N/A N/A Agreement ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K Completion Documentation ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K1 Schedule of Documents of Title SEC 28/11.94 From Nov 1994 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K2 Schedule of Documents of Title SEC 28/01.96 From Jan 1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K3 Schedule of Documents of Title SEC28 /10.97 From Oct 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K4 Schedule of Documents of Title SEC 28/01.96 From Jan 1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K5 Schedule of Documents of Title SEC28 /10.97 From Oct 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K6 Schedule of Documents of Title JAGO1/0500 From May 2000 Northern Rock plc JAGO1B/0500 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K7 Deeds Schedule SODT/0201 From Feb 2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 48 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ K8 Completion Advice A146F - Completions advices are in a Northern Rock plc representative flexible format - content is sample variable depending upon circumstances of loan and product applied for. Permutations are vast and it is impractical to maintain an archive of each scenario. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K9 Additional Advance Cheque Request ADV 133 01/94 From Jan 1994 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K10 Re-Advance/Further Advance Receipt SEC 37 /10.97 From Oct 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K11 Additional Advance Funds Request ADV 271 /10.97 From Oct 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K12 Additional Advance Funds Request ADV 271 1/98 From Jan 1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K13 Additional Advance Funds Request AAFR/0802 From Aug 2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ K14 Additional Advance Funds Request ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Part 2 Documents Used Only in the Origination of Standard Fixed Rate, Standard Variable Rate, Cashback, Capped, Tracker, CAT Standard, Discount and Discount for Life Mortgages ------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------- L Mortgage Application Forms - General ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L1 Mortgage Application Form ADV 4. 05/95 From May 1995 to Mar 1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L2 Mortgage Application Form ADV 4. 03/96 From Mar 1996 to Jul 1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L3 Mortgage Application Form ADV 4. 07/97 From Jul 1997 to Oct 1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L4 Mortgage Application Form ADV 4. 10/97 From Oct 1997 to Dec 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L5 Mortgage Application Form ADV 4. 12/97 From Dec 1997 to Mar 1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L6 Mortgage Application Form ADV 4 DRTV 3/98 From Mar 1998 to Apr 1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L7 Mortgage Application Form ADV 4. 4/98 From Apr 1998 to Jan 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L8 Mortgage Application Form ADV 4. 1/99 From Jan 1999 to Feb 2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L9 Mortgage Application Form ADV 4. 2/00 From Feb 2000 to Jun 2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L10 Mortgage Application Form ADV 4. 6/00 From Jun 2000 to Dec 2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L11 Mortgage Application Form ADV4. 12/00 From Dec 2000 to Jan 2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 49 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ L12 Mortgage Application Form ADV4. 01/01 From Jan 2001 to May 2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L13 Mortgage Application Form ADV4. 05/01 From May 2001 to Sept 2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L14 Mortgage Application Form ADV4. 09/01 From Sept 2001 to Oct 2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L15 Mortgage Application Form ADV4. 10/01 From Oct 2001 to Aug 2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ NB From this point onwards the Mortgage Application Forms appear to also be used for the Together/Together Connections products. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L16 Mortgage Application Form ADV4. 08.02 From Aug 2002 to Oct 2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L17 Mortgage Application Form ADV4. 10.02 From Oct 2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L18 Your Personal Quotation and Transfer 19 Sep 2002 (Sample re Mr and Mrs Kapke) Declaration for a Flexible Fixed Rate Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L19 Your Personal Quotation and Transfer 19 Sep 2002 (Sample re Mr Mcparland and Miss Declaration for a Together Mortgage Davis) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L20 Mortgage Application Form ADV4.02.03 From Feb 2003 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ L21 Mortgage Application Form [Both English ADV4. 04.03 Apr 2003 And Scottish] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ M Mortgage Application Forms - Northern Rock Direct ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ M1 Your Direct Mortgage Application Form Dev 439 4/97 From Apr 1997 to Oct 1997 Northern Rock Direct/Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ M2 Your Direct Mortgage Application Form MAR 17b 1.10.97 From Oct 1997 to Dec 1997 Northern Rock Direct/Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ M3 Your Direct Mortgage Application Form MAR 17b 15.12.97 From Dec 1997 to May 1998 Northern Rock Direct/Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ M4 Your Direct Mortgage Application Form MAR 124 31 May From May 1998 to ? Northern Rock Direct/Northern Rock plc 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ N Application Forms - Specialist ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ N1 Secured Personal Loan Application Form ADV 31. 1/99 From Jan 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ N2 Secured Personal Loan Application Form ADV031 (8.5.2000) From May 2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ N3 Secured Personal Loan Application Form ADV031 From Oct 2001 Northern Rock plc (22.10.2001) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ N4 Secured Personal Loan Application Form ADV031 From Aug 2002 Northern Rock plc (01.8.2002) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O Special Conditions for Fixed Rate Mortgages (used with Offer of Advance) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O1 5 year Fixed Rate Mortgage AY From 15 Jul 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O2 5 year Fixed Rate Mortgage BA From 26 Jun 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 50 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ O3 5 year Fixed Rate Mortgage BH From 03 Sep 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O4 5 year Fixed Rate Mortgage BQ From 17 Sep 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O5 5 year Fixed Rate Mortgage BS From 01 Jan 1997 [Query date - should be Nov?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O6 5 year Fixed Rate Mortgage BT From 01 Nov 1997 [Other dates?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O7 5 year Fixed Rate Mortgage CF From 22 Jan 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O8 5 year Fixed Rate Mortgage CJ From 01 Apr 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O9 5 year Fixed Rate Mortgage CK From 01 Apr 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O10 5 year Fixed Rate Mortgage CM From 06 May 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O11 5 year Fixed Rate Mortgage CP From 17 Jun 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O12 5 year Fixed Rate Mortgage CU From 01 Jul 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O13 5 year Fixed Rate Mortgage CZ From 08 Aug 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O14 5 year Fixed Rate Mortgage EA From 08 Aug 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O15 5 year Fixed Rate Mortgage EU From 22 Jan 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O16 5 year Fixed Rate Mortgage FD ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O17 5 year Fixed Rate Mortgage FL From 13 Mar 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O18 5 year Fixed Rate Mortgage FM From 13 Apr 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O19 5 year Fixed Rate Mortgage FN From 13 Apr 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O20 5 year Fixed Rate Mortgage FP From 23 Apr 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O21 5 year Fixed Rate Mortgage KZ From 29 Nov 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O22 2 year Fixed Rate Mortgage From 9 Jan 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O23 10 year Fixed Rate Mortgage from 9 Jan 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O24 15 year Fixed Rate Mortgage from 9 Jan 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O25 Guaranteed Repayment Mortgage 10 year from 9 Jan 2003 Fixed Rate Mortgage ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O26 Guaranteed Repayment Mortgage 15 year from 9 Jan 2003 Fixed Rate Mortgage ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O27 Help with Costs Special Condition Wording - for Guaranteed Repayment Mortgage 10 year Fixed Rate Mortgage (2 versions) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O28 Help with Costs Special Condition Wording - for Guaranteed Repayment Mortgage 15 year Fixed Rate Mortgage (2 versions) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O29 Help with Costs Special Condition Wording - for 10 year Fixed Rate (2 versions) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ O30 Help with Costs Special Condition Wording - for 15 year Fixed Rate (2 versions) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P Special Conditions for Variable Rate Mortgages (used with Offer of Advance) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P1 Variable Rate Mortgage - Cashback 6B From 30 Nov 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P2 Variable Rate Mortgage - Cashback without 9B From 03 Jan 1996 insurance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P3 Variable Rate Mortgage - Cashback without C5 From 11 Aug 1997 insurance [Query date - should be 1996?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 51 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ P4 Variable Rate Mortgage - Cashback without C7 From 02 Sep 1996 insurance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P5 Variable Rate Mortgage - Cashback without C9 From 02 Sep 1996 insurance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P6 3 year Discounted Variable Rate Mortgage J9 and J0 From 25 Jun 1998 [Other dates ?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P7 Variable Rate Mortgage - 5% Cashback P5 From 25 Jun 1997 [Other dates ?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P8 Variable Rate Mortgage - 6% Cashback P6 From 03 Sep 1997 [Other date ?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P9 Variable Rate Mortgage - Cashback 7P and 8P From 22 Jan 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P10 3 year Discounted Variable Rate Mortgage M1 to [M6 ?] From 22 Jan 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P11 Variable Rate Mortgage - Cashback S1 and S2 From 22 Jan 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P12 3 year Discounted Variable Rate Mortgage M7 and M8 From 01 Apr 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P13 Variable Rate Mortgage - Cashback S4 and S5 From 06 May 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P14 Variable Rate Mortgage - Cashback 7S From 10 Jun 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P15 Variable Rate Mortgage - Cashback 3T From 07 Dec 1998 [Other date?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P16 Variable Rate Mortgage - Cashback 6T and 7T From 22 Jan 1999 [Other date?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P17 Variable Rate Mortgage - 8%/7% Cashback GB and GC From 06 Mar 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P18 Variable Rate Mortgage - 8% Cashback GF From 13 Apr 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P19 Variable Rate Mortgage - 7% Cashback GG From 13 Apr 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P20 Variable Rate Mortgage - 7% Cashback GH From 13 Apr 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P21 Variable Rate Mortgage - 6% Cashback GI From 13 Apr 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P22 Variable Rate Mortgage - 8% Cashback GT From 16 Jun 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P23 Variable Rate Mortgage - 7% Cashback GU ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P24 Variable Rate Mortgage - 7% Cashback JG From 28 Jul 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P25 Variable Rate Mortgage - 6% Cashback JN From 29 Aug 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P26 Variable Rate Mortgage - 7% Cashback JQ From 29 Sep 1999 [Other dates?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P27 Variable Rate Mortgage - 6% Cashback JR From 29 Sep 1999 [Other dates?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P28 Variable Rate Mortgage - 5% Cashback JS From 29 Sep 1999 [Other dates?] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P29 Variable Rate Mortgage - 7% Cashback JU From 04 Jan 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ P30 Variable Rate Mortgage 6% Cashback From 9 Jan 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q Special Conditions for Tracker, CAT Standard, Capped and Discount for Life Mortgages (used with Offer of Advance) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q1 Discount for Life Variable Rate Mortgage X9 and X0 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q2 Discount for Life Variable Rate Mortgage 1X and 2X ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q3 Discount for Life Variable Rate Mortgage 3X and 4X ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q4 Discount for Life Variable Rate Mortgage 5X and 6X ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q5 Discount for Life Variable Rate Mortgage 7X and 8X ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 52 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ Q6 Capped Variable Rate Mortgage CB ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q7 Discount for Life Variable Rate Mortgage L1 and L2 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q8 Discount for Life Variable Rate Mortgage L3 and L4 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q9 Discount for Life Variable Rate Mortgage L5 and L6 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q10 Discount for Life Variable Rate Mortgage L7 and L8 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q11 Discount for Life Variable Rate Mortgage 1L and 2L ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q12 Discount for Life Variable Rate Mortgage 3L and 4L ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q13 Discount for Life Variable Rate Mortgage 5L and 6L ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q14 4 year Capped Variable Rate Mortgage EG ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q15 4 year Capped Variable Rate Mortgage EF ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q16 4 year Capped Variable Rate Mortgage ER ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q17 Discount for Life Variable Rate Mortgage 8L ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q18 4 year Capped Variable Rate Mortgage EQ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q19 4 year Capped Variable Rate Mortgage EQ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q20 Equity Release Capped Variable Rate YB Mortgage ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q21 5 year Capped Variable Rate Mortgage EY ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q22 Discount for Life Variable Rate Mortgage 9L and 0L ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q23 Discount for Life Variable Rate Mortgage DX ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q24 Discount for Life Variable Rate Mortgage DY ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q25 Discount for Life Variable Rate Mortgage DX and DY ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q26 Discount for Life Variable Rate Mortgage HG ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q27 Discount for Life Variable Rate Mortgage HH ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q28 Discount for Life Variable Rate Mortgage HQ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q29 Discount for Life Variable Rate Mortgage HV ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q30 Tracker Variable Rate Mortgage YT ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q31 Tracker Variable Rate Mortgage YU ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q32 Tracker Variable Rate Mortgage YW ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q33 Tracker Variable Rate Mortgage YX ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q34 Discount for Life Variable Rate Mortgage JP ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q35 2 year Capped Variable Rate Mortgage MV ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q36 2 year Capped Variable Rate Mortgage MW ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q37 Discount for Life Variable Rate Mortgage HR ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q38 2 year Capped Variable Rate Mortgage EM ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q39 CAT Standard Variable Mortgage [SJB/08/11/00] [Query the reference] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q40 2 year Tracker Variable Rate Mortgage ER ? ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q41 CAT Standard Variable Mortgage from 9 Jan 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q42 2 year Flexible Fixed (extending Early from 9 Jan 2003 Repayment Charge) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q43 2 year Flexible Fixed (extending Early from 9 Jan 2003 Repayment Charge - no Help with Costs option) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q44 2 year Flexible Fixed from 9 Jan 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q45 2 year Flexible Fixed (no Help with Costs from 9 Jan 2003 option) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 53 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ Q46 3 year Flexible Fixed from 9 Jan 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q47 5 year Flexible Fixed from 9 Jan 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Q48 Help with Costs Special Condition Wording (2 versions) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R Credit/Loan Agreements ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R1 Credit Agreement Regulated by the Consumer ACR1A/1097 on From Oct 1997 Credit Act 1974 - Flexible Plan "Original" ("Original" and "Copy" versions each with ACR1B/1097 on Conditions on the reverse) "Copy" Northern Rock plc ACR1Z/1097 on [Used for Flexible Plan Loans up to "Conditions" (GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R2 Copy of Proposed Agreement Containing ACR1Z/1097 on From Oct 1997 Your Right to Withdraw - Flexible Plan "Conditions" (including Conditions on the reverse) Northern Rock plc [Used for Flexible Plan Loans up to (GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R3 Loan Agreement - Flexible Plan [ACR2A/1097 on From Oct 1997 (including Conditions on the reverse) "Original" / [Check reference of "Original"] Northern Rock plc "Copy"?] [Used for Flexible Plan Loans over ACR2Z/1097 on (GBP)25,000] "Conditions" ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R4 Credit Agreement Regulated by the Consumer ADV135 10/97 on From Oct 1997 Credit Act 1974 - Personal Secured Loan "Original" and ("Original" and "Copy" versions each with "Copy" Conditions on the reverse) no ref on Northern Rock plc "Conditions") [Used for Personal Secured Loans up to (GBP)25,000 - Variable Rate] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R5 Copy of Proposed Credit Agreement Containing ADV135 10/97 on From Oct 1998 Notice of Your Right to Withdraw - Personal "Advance Copy" Secured Loan no ref on ("Advance Copy" version including Conditions "Conditions") on the reverse) Northern Rock plc [Used for Personal Secured Loans up to (GBP)25,000 - Variable Rate] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R6 Credit Agreement Regulated by the Consumer ADV135 10/97 on From Feb 1998 Credit Act 1974 - Personal Secured Loan "Original" and ("Original" and "Copy" versions each with "Copy" Conditions on the reverse) ADV135 /02.98 on Northern Rock plc "Conditions") [Used for Personal Secured Loans up to (GBP)25,000 - Variable Rate] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R7 Credit Agreement Regulated by the Consumer MAR 126 6/98 on From Jun 1998 Credit Act 1974 "Original" and ("Original" and "Copy" versions including "Copy" no ref on Conditions on the reverse) "Conditions" Northern Rock plc [Used for Personal Secured Loans up to (GBP)25,000 - Fixed Rate] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 54 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ R8 Copy of Proposed Credit Agreement MAR 126 6/98 on From Jun 1998 Containing Notice of Your Right "Advance Copy" to Withdraw ("Advance Copy" version no ref on including Conditions on the reverse) "Conditions" Northern Rock plc [Used for Personal Secured Loans up to (GBP)25,000 - Fixed Rate] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R9 Copy of Proposed Agreement Containing ACR2A/1097 on From Mar 2000 Your Right to Withdraw - Flexible Plan "Original" (including Conditions on the reverse) ACR2Z/0300 on Northern Rock plc "Conditions" [Used for Flexible Plan Loans up to (GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R10 Credit Agreement Regulated by the Consumer MAR 126 4/00 on From Apr 2000 Credit Act 1974 "Original" no ("Original" version including Conditions no ref on on the ref on reverse) "Conditions" Northern Rock plc [Used for Personal Secured Loans up to (GBP)25,000 - Fixed Rate] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R11 Credit Agreement Regulated by the Consumer CA135A/0900 on From Sep 2000 Credit Act 1974 "Original" ("Original" and "Copy" versions each with CA135B/0900 on Conditions on the reverse) "Copy" Northern Rock plc CA135Z/0900 on [Used for Personal Secured Loans up to "Conditions" (GBP)25,000 - Variable Rate] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R12 Copy of Proposed Agreement Containing CA135C/0900 on From Sep 2000 Notice of Your Right to Withdraw "Advance Copy" ("Advance Copy" version with Conditions CA135Z/0900 on on the reverse) "Conditions" Northern Rock plc [Used for Personal Secured Loans up to (GBP)25,000 - Variable Rate] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R13 Credit Agreement Regulated by the Consumer CA126A/0900 on From Sep 2000 Credit Act 1974 "Original" ("Original" and "Copy" versions each with CA126B/0900 on Conditions on the reverse) "Copy" Northern Rock plc CA126Z/0900 on [Used for Personal Secured Loans "Conditions" - Variable Rate] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R14 Copy of Proposed Agreement Containing CA126C/0900 on From Sep 2000 Notice of Your Right to Withdraw "Advance Copy" ("Advance Copy" version with Conditions CA126Z/0900 on on the reverse) "Conditions" Northern Rock plc [Used for Personal Secured Loans - Variable Rate] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R15 Credit Agreement Regulated by the Consumer ACR1A/1000 on From Oct 2000 Credit Act 1974 - Flexible Plan "Original" ("Original" and "Copy" versions each with ACR1B/1097 on Conditions on the reverse) "Copy" Northern Rock plc ACR1Z/1097 on [Used for Flexible Plan Loans up to "Conditions" (GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 55 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ R16 Loan Agreement - Flexible Plan ACR2B/1000 on From Oct 2000 ("Original" version with Conditions "Original" on the reverse) ACR2Z/1000 on Northern Rock plc "Conditions" [Used for Flexible Plan Loans over (GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R17 Loan Agreement - Flexible Plan ACR2C/1000 on From Oct 2000 ("Original" version with Conditions "Original" on the reverse) ACR2Z/1000 on Northern Rock plc "Conditions" [Used for Flexible Plan Loans over (GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R18 Credit Agreement Regulated by the CCA 1974 ADV13506/95 Jun 1995 (Personal Secured Loans) (with Terms and Conditions attached) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R19 Loan Agreement (Flexible Plan) (with Terms ADVCR2 Jul 1995 and Conditions attached) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ R20 Credit Agreement Regulated by the CCA 1974 ACR1 07/96 Jul 1996 (Flexible Plan) with Terms and Conditions Attached ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ S Mortgage Deeds - General ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ S1 Mortgage Deed (HMLR filing ref MD 144 E) SEC 8/11.93 From Nov 1993 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ S2 Mortgage Deed (HMLR filing ref MD 144 F) SEC 8/06.95 From Jun 1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ S3 Mortgage Deed (HMLR filing ref MD542A) SEC 8T /08.97 From Aug 1997 Northern Rock Building Society/Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ S4 Mortgage Deed (HMLR filing ref MD542A) SEC 8 /10.97 From Oct 1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ S5 Mortgage Deed (HMLR filing ref MD542B) SEC 8 /10.97 From Oct 1997 Northern Rock plc [Old logo] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ S6 Mortgage Deed (HMLR filing ref MD542B) SEC 8 /10.97 From Oct 1997 Northern Rock plc [New logo] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ S7 Mortgage Deed (HMLR filing ref MD691A) SEC 070 07/01 From July 2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ S8 Mortgage Deed - Standard (HMLR filing SOL 11 07/01 From July 2001 ref MD691D) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T Mortgage Deeds - Specialist ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T1 Mortgage Deed (HMLR filing ref MD 144 G) SEC 54/06/95 From Jun 1995 Northern Rock Building Society [Used for Flexible Plan - Non-CCA Loans] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T2 Mortgage Deed (relating to a Regulated SEC 52/06/95 From Jun 1995 Agreement under the Consumer Credit Act 1974) (HMLR filing ref MD 144 H) Northern Rock Building Society [Used for Flexible Plan CCA Loans] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T3 Mortgage Deed (HMLR filing ref MD 144 J) SEC 44/06/95 From Jun 1995 Northern Rock Building Society [Used for Flexible Plan - Non-CCA Loans] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 56 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ T4 Mortgage Deed (relating to a Regulated SEC 52. 10/97 From Oct 1997 Agreement under the Consumer Credit Act 1974) (HMLR filing ref MD 542 M) Northern Rock plc [Used for Flexible Plan CCA Loans] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T5 Mortgage Deed (HMLR filing ref MD 542 L) SEC 44. 10/97 From Oct 1997 Northern Rock plc [Used for Flexible Plan - Non-CCA Loans] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T6 Mortgage Deed (HMLR filing ref 542 N) SEC 54. 10/97 From Oct 1997 Northern Rock plc [Used for Flexible Plan - Non-CCA Loans] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T7 Deed of Variation of Mortgage and Receipt SEC 40. 10/97 From Oct 1997 for Further Advance (HMLR filing ref MD 542 P) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T8 Mortgage Deed (HMLR filing ref MD542 N) SEC 54. 04.98 From Apr 1998 Northern Rock plc [Used for Flexible Plan - Non-CCA Loans] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T9 Mortgage Deed (relating to a Regulated SEC 52. 03/00 From Mar 2000 Agreement under the Consumer Credit Act 1974) (HMLR filing ref MD 542 M) Northern Rock plc [Used for Flexible Plan CCA Loans] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T10 Mortgage Deed (HMLR filing ref MD 542L) MD2/0900 on From Sep 2000 Northern Rock plc cover and [Used for Flexible Plan - Non-CCA Loans] MD2B/0900 on reverse ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T11 Mortgage Deed (relating to a Regulated MD1/0900 on From Sep 2000 under the Consumer Credit Act 1974) cover and Agreement (HMLR filing ref MD 542 M) MD1B/0900 on Northern Rock plc reverse [Used for Flexible Plan CCA Loans] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T12 Mortgage Deed (HMLR filing ref MD 542 N) MD3/0900 From Sep 2000 Northern Rock plc [Used for Flexible Plan - Non-CCA Loans] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T13 Deed of Variation of Mortgage and Receipt SOL005 09/00 From Sep 2000. Not used by for Further Advance (HMLR filing ref further advance dept. Used by MD 542 X) Northern Rock plc product transfer dept. where borrower is switching product and increasing borrowing at same time (only used on older forms of mortgage conditions switching from annual rest mortgage to a daily rest version). ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T14 Deed of Variation of Mortgage and Receipt SOL008 09/00 From Sep 2000. Not used by for Further Advance (HMLR filing ref further advance dept. Used by MD 542 Y) Northern Rock plc product transfer dept. where borrower is switching product and increasing borrowing at same time (only used on older forms of mortgage conditions switching from annual rest mortgage to a daily rest version). ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 57 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ T15 Deed of Variation of Mortgage and Receipt SEC071 July 2001 From Jul 2001 for Further Loan (HMLR filing ref MD 691 B) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ T16 Deed of Variation of Mortgage and Receipt SOL012/ July 2001 From Jul 2001 for Further Loan (With Guarantor) (HMLR filing ref MD 691 C) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Part 3 Documents Used Only in the Origination of Together and Together Connections Mortgages ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U Brochures ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U1 [Picture of Two Forks on cover - 1] MAR 172 2.99 From Feb 1999 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U2 [Picture of Two Forks on cover - 1] MAR 189 3.99 From Mar 1999 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U3 [Picture of Two Forks on cover - 2] MAR 237 14.6.99 From Jun 1999 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- U4 together flexible - one loan one MAR 272/9255 From Sep 1999 rate one call [Together Flexible] 15.9.99 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- U5 together flexible - one loan one MAR 273/9255 From Sep 1999 rate one call -all you need to 15.9.99 know [Together Flexible] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- U6 take control of your money and MAR 305/9511 From Dec 1999 get more out of life - together 20.12.99 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- U7 all you need to know - together MAR 303/9511 From Dec 1999 [Together] Northern Rock plc 20.12.99 ------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- U8 together - a guide to costs [Together] MAR 174 2.99 From Feb 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- U9 [all you need to know - together] MAR 173 2.99 From Feb 1999 [Picture of intertwined flowers on cover] [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- U10 together - a guide to costs [Together] MAR 190 3.99 From Mar 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- U11 [all you need to know - together] MAR 192 3.99 From Mar 1999 [Picture of intertwined flowers on cover] [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- U12 together - a guide to costs [Together] MAR 238 14.6.99 From Jun 1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- U13 [all you need to know - together] MAR 239 16.6.99 From Jun 1999 [Picture of intertwined flowers on cover] [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- U14 together - a guide to costs [Together] MAR 302/9511 From Dec 1999 Northern Rock plc 20.12.99 ------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- 58 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ U15 together flexible - a guide to costs MAR 275/9255 From Sep 1999 [Together Flexible] 15.9.99 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U16 together - variable at only MAR 306/9657 From Jan 2000 6.6.9%pa 7.6%APR 17.1.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U17 What is it going to cost? [Together] MAR 302/9662 From Mar 2000 Northern Rock plc 4.3.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U18 How does it work? [Together] MAR 303/9662 From Mar 2000 Northern Rock plc 4.3.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U19 I want it all [Together] MAR 305/9662 From Mar 2000 Northern Rock plc 4.3.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U20 What is it going to cost? [Together] MAR 302/10028 From Apr 2000 Northern Rock plc 27.4.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U21 I want it all [Together] MAR 305/10028 From Apr 2000 Northern Rock plc 27.4.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U22 What is it going to cost? [Together] MAR 302/10329 From Aug 2000 Northern Rock plc 4.8.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U23 How does it work? [Together] MAR303/10141 From Aug 2000 Northern Rock plc 4.8.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U24 I want it all [Together] MAR 305/10328 From Aug 2000 Northern Rock plc 4.8.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U25 What is it going to cost? [Together] MAR 302/10521 From Oct 2000 Northern Rock plc 2.10.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U26 What is it going to cost? [Together] MAR 302/10715 From Nov 2000 Northern Rock plc 22.11.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U27 How does it work? [Together] MAR 303/10716 From Nov 2000 Northern Rock plc 22.11.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U28 I want it all [Together] MAR 305/10717 From Nov 2000 Northern Rock plc 22.11.2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U29 I want it all [Together] MAR 305/10953 From Feb 2001 Northern Rock plc 1.2.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U30 What is it going to cost? [Together] MAR 302/10999 From Feb 2001 Northern Rock plc 12.2.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U31 How does it work? [Together] MAR 303/11069 From Mar 2001 Northern Rock plc 1.3.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U32 Together what is it going to cost? MAR 302 6.4.2001 From Apr 2001 6th April 2001 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U33 I want it all [Together] MAR 305/11172 From Apr 2001 Northern Rock plc 6.4.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U34 What's it going to cost? [Together MAR 418/10935 From May 2001 Connections] Northern Rock plc 1.5.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U35 OK Shrink My Mortgage [Together MAR 419/10935 From May 2001 Connections] Northern Rock plc 1.5.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U36 Together what is it going to cost? MAR 302 10.5.2001 From May 2001 10th May 2001 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 59 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ U37 What's it going to cost? [Together MAR 418/11282 From May 2001 Connections] Northern Rock plc 10.5.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U38 How does it work? [Together] MAR 303/11290 From May 2001 Northern Rock plc 10.5.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U39 I want it all [Together] MAR 305/11289 From May 2001 Northern Rock plc 10.5.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U40 Now Things Get Really Interesting MAR 437/11251 From Jun 2001 [Together Connections] 01.6.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U41 Together what is it going to cost? MAR 302 22.6.2001 From Jun 2001 22nd June 2001 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U42 What's it going to cost? [Together MAR 418/11457 From Jun 2001 Connections] Northern Rock plc 22.6.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U43 Together what is it going to cost? MAR 302 2.8.2001 From Aug 2001 2nd August 2001 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U44 What's it going to cost? [Together MAR 418/11593 From Aug 2001 Connections] Northern Rock plc 2.8.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U45 How does it work? [Together] MAR 303/11577 From Aug 2001 Northern Rock plc 2.8.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U46 OK Shrink My Mortgage [Together MAR 419/11578 From Aug 2001 Connections] Northern Rock plc 2.8.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U47 I want it all [Together] MAR 305/11603 From Aug 2001 Northern Rock plc 7.8.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U48 Together what is it going to cost? MAR 302 3.9.2001 From Sep 2001 3rd September 2001 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U49 What's it going to cost? [Together MAR 418/11706 From Sep 2001 Connections] Northern Rock plc 3.9.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U50 How does it work? [Together] MAR 303/11756 From Sep 2001 Northern Rock plc 10.9.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U51 OK Shrink My Mortgage [Together MAR 419/11758 From Sep 2001 Connections] Northern Rock plc 10.9.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U52 I want it all [Together] MAR 305/11756 From Sep 2001 Northern Rock plc 10.9.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U53 Together what is it going to cost? 19th MAR 302 19.9.2001 From Sep 2001 September 2001 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U54 What's it going to cost? [Together MAR 418/11706 From Sep 2001 Connections] Northern Rock plc 19.9.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U55 Together what is it going to cost? MAR 302 4.10.2001 From Oct 2001 4th October 2001 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U56 What's it going to cost? [Together MAR 418/11706 From Oct 2001 Connections] Northern Rock plc 4.10.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 60 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ U57 Together what is it going to cost? MAR 302 8.11.2001 From Nov 2001 8th November 2001 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U58 What's it going to cost? [Together MAR 418/11706 From Nov 2001 Connections] Northern Rock plc 8.11.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U59 Together what is it going to cost? MAR 302 5.12.2001 From Dec 2001 5th December 2001 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U60 What's it going to cost? [Together MAR 418/11706 From Dec 2001 Connections] Northern Rock plc 5.12.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U61 How does it work? [Together] MAR 303/12190 From Jan 2002 Northern Rock plc 8.1.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U62 I need cash with my mortgage [Together] MAR 522/12343 From Mar 2002 11.03.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U63 Options for your together connections MAR 472/12369 From Mar 2002 Mortgage [Together Connections] 15.3.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U64 Together - what's it going to cost MAR 302 20.3.2002 From Mar 2002 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U65 Together - what's it going to cost MAR 302 10.5.2002 From May 2002 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U66 Together - what's it going to cost MAR 302 26.7.2002 From Jul 2002 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U67 Together - what's it going to cost MAR 302 06.8.2002 From Aug 2002 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U68 i want to shrink my mortgage [Together MAR 419/12891 From Aug 2002 Connections] 30.8.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U69 What's it going to cost? [Together MAR 418/11706 From Aug 2002 Connections] Northern Rock plc 30.8.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U70 Together - what's it going to cost MAR 302 30.8.2002 From Aug 2002 [Together] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U71 I need cash with my mortgage [Together] MAR 522/12892 From Aug 2002 30.08.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U72 What's it going to cost? [Together MAR 418/11706 From Oct 2002 Connections] Northern Rock plc 21.10.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U73 Together - what's it going to cost MAR 302 From Oct 2002 [Together] Northern Rock plc 21.10.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U74 What's it going to cost? [Together MAR 418/11706 From Nov 2002 Connections] Northern Rock plc 08.11.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U75 Together - what's it going to cost MAR 302 From Nov 2002 [Together] Northern Rock plc 08.11.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U76 I want to shrink my mortgage MAR 625/13245 From 27 Nov 2002 [Connections] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U77 What's it going to cost? MAR 630/13245 From 27 Nov 2002 [Connections] 27.11.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U78 What's it going to cost? MAR 630/13499 From 10 Jan 2003 [Connections] 10.01.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U79 Together - what's it going to cost MAR 302 From 10 Jan 2003 [Together] Northern Rock plc 10.01.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 61 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ U80 Together - what's it going to cost MAR 302 From 8 Feb 2003 [Together] Northern Rock plc 08.02.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U81 I need cash with my mortgage [Together] MAR522/13728 Valid until further notice - 1.5.2003 1.5.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U82 What's it going to cost? MAR302/ Valid until further notice - 8.8.2003 8.8.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U83 I need cash with my mortgage MAR 522/13550 Valid until further notice 1 Mar 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U84 What's it going to cost? MAR 302 Valid until further notice 9 Sep 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ U85 What's it going to cost? MAR 203 Valid until further notice 14 Oct 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ V Mortgage Application Forms ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ V1 Get It Together Application Form MAR176 2/99 From Feb 1999 - Together Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ V2 Get It Together Application Form - MAR198 3/99 From Mar 1999 Together Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ V3 Get It Together Application Form - MAR242 6/99 From Jun 1999 Together Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ V4 Get It Together Application Form - MAR271/9255 and 9/99 From Sep 1999 Together Flexible Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ V5 Get It Together Application Form - MAR304/9511 and 12/99 From Dec 1999 Together Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ V6 Get It Together Application Form MAR304. 6/00 From Jun 2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ NB From Aug 2002 the Mortgage Application Forms from L16 appear to also be used for the Together/Together Connections products. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W Together Credit/Loan Agreements ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W1 Credit Agreement Regulated by the DDL1/0299 on Original From Feb 1999 Consumer Credit Act 1974 - DDL2/0299 on First Drawdown Loan -Original, First and Copy Second Copies (each with Terms and DDL3/0299 on Second Conditions) Copy Northern Rock plc [Used DDLB/0299 on for Together Flexible Loans up Conditions to (GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W2 Credit Agreement Regulated by the TFCA1/1099 on From Oct 1999 Consumer Credit Act 1974 - Original [In conjunction with Together Drawdown Loan - Original, TFCA2/1099 on First Flexible Mortgages. First Copy and Second Copy (each Copy with Terms and Conditions) TFCA3/1099 on Northern Rock plc [Used for Second Copy Together Flexible Loans TFCAB/1099 on up to (GBP)25,000] Conditions ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 62 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ W3 Credit Agreement Regulated by TFIX1/0200 on From Feb 2000 the Consumer Credit Act 1974 Original [In conjunction with Together - Together Fixed - Original, TFIX2/0200 on First Fixed Mortgages.] First Copy and Second Copy Copy (each with Terms and TFIX3/0200 on Conditions on reverse) Second Copy Northern Rock plc TFIXB/0200 on [Used for Together Fixed Loans Conditions up to(GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W4 Credit Agreement Regulated by TVCA1/0200 on From Feb 2000 the Consumer Credit Act 1974 Original [In conjunction with Together - Together Variable - Original, TVCA2/0200 on First Variable Mortgages.] First Copy and Second Copy Copy [ (each with Terms and Conditions TVCA3/0200?]on on reverse)Northern Rock plc Second Copy [Used for Together Variable TVCAB/0200 on Loans up to(GBP)25,000] Conditions ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W5 Credit Agreement Regulated by TVCA1/0200 From Jan 2001 the Consumer Credit Act 1974 on Original [In conjunction with Together - Together Variable - Original, TVCA2/0200 Variable Mortgages.] First Copy and Second Copy on First Copy (each with Terms and [TVCA3/0200?] Conditions on reverse) on Second Copy Northern Rock plc TVCAB/0101 [Used for Together Variable on Conditions Loans up to(GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W6 Credit Agreement Regulated by TVCA1/0200 From May 2001 the Consumer Credit Act 1974 on Original [In conjunction with Together - Together Variable - Original, TVCA2/0200 Variable Mortgages.] First Copy and Second Copy on First Copy (each with Terms and [TVCA3/0200?] Conditions on reverse) on Second Copy Northern Rock plc TVCAB/0501 [Used for Together Variable on Conditions Loans up to(GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W7 Credit Agreement Regulated by TVCA1/0200 From Aug 2001 the Consumer Credit Act 1974 on Original [In conjunction with Together - Together Variable - Original, TVCA2/0200 Variable Mortgages.] First Copy and Second Copy on First Copy (each with Terms and [TVCA3/0200?] Conditions on reverse) on Second Copy Northern Rock plc TVCAB/0801 [Used for Together Variable on Conditions Loans up to(GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W8 Credit Agreement Regulated by TVCA1/0200 From Aug 2001 the Consumer Credit Act 1974 on Original [In conjunction with Together - Together Variable - Original, TVCA2/0200 Variable Mortgages.] First Copy and Second Copy on First Copy (each with Terms and [TVCA3/0200?] Conditions on reverse) on Second Copy Northern Rock plc TVCAB/1001 [Used for Together Variable on Conditions Loans up to(GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W9 Credit Agreement Regulated by CATC/0502 From May 2002 the Consumer Credit Act 1974 on Original, - Drawdown Loan - Original, First, Second First and Second Copies Copy and on (each with Terms and Conditions Conditions) Northern Rock plc [Used for Together Flexible Loans up to(GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 63 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ W10 Credit Agreement Regulated by ABTC/0802 on From Aug 2000 the Consumer Credit Act 1974 Original, [In conjunction with Together - Together Fixed - Original, First Copy, Fixed Mortgages.] First Copy and Second Copy Second Copy (each with Terms and and on Conditions on reverse) Conditions Northern Rock plc [Used for Together Fixed Loans up to (GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W11 Credit Agreement Regulated by TVCAB/0902 From Sept 2002 the Consumer Credit Act 1974 on Original, [In conjunction with Together - Together Variable - Original, First Copy, Variable Mortgages.] First Copy and Second Copy Second Copy (each with Terms and and on Conditions on reverse) Conditions Northern Rock plc [Used for Together Variable Loans up to (GBP)25,000] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W12 Credit Agreement Regulated by 03/02 on Original, From Mar 2002 the Consumer Credit Act 1974 First Copy and - Original, First Copy and Second Copy Second Copy CATC/0502 on "MPU" Drawdown Lown Conditions Agreement Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W13 Credit Agreement Regulated by From Aug 2002 the Consumer Credit Act 1974 - Together Variable - Original, First Copy and Second Copy "MPU" Unsecured Loan Agreement Northern Rock plc [Incorporates "where applicable" Together Connection Conditions] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ W14 Credit Agreement Regulated by TFWT/0703 From July 2003 the Consumer Credit Act 1974 - Together Fixed with Tracker - Original, First Copy, Second Copy and Terms and Conditions Northern Rock plc [New version of Together Credit Agreement for Fixed Rate with Follow on BOE Tracker - Product first introduced 25.7.03. Runs alongside existing Together (Variable & Fixed Rate versions) Credit Agreement] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X Conditions for Together products (including Together Connection Options - eg Savings Account Applications/ Agreements etc) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X1 Together Variable - Credit Card Application [ ] From [ ] (with Terms and Conditions on reverse) [In conjunction with Together Northern Rock plc Variable Mortgages. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X2 Together Variable - Credit Card Application CV4/1000 From Oct 2000 (with Terms and Conditions on reverse) [In conjunction with Together Northern Rock plc Variable Mortgages. [REQUEST BETTER COPY] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X3 Northern Rock Credit Card Application Form MAR 151/M9C 22.3.99 From Mar 1999 (with Terms and Conditions) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X4 Together Connection Conditions MAR422 1.5.01 From Jan 2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 64 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ X5 Northern Rock Mortgage Credit Card [CCL/80A/2] From Mar 2001 (with Terms and Conditions on reverse) (CCL/ATA/2 Northern Rock plc 15.3.2001 on Conditions) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X6 together connections Save Direct Terms MAR 435/11676 From May 2001 and Conditions 1.5.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X7 together connections Current Account Terms MAR 436/11333 From May 2001 and Conditions 1.5.2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X8 Northern Rock Credit Card Application Form MAR 341 From Jul 2001 (with Terms and Conditions on reverse) 9.7.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X9 Options for Your together connection MAR 472/12369 From Mar 2002 Mortgage [leaflet] 15.3.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X10 Together Connection Conditions MAR 422 7.8.02 From Aug 2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X10(a) Together Connection Conditions MAR 631 From Nov 2002 Northern Rock plc 27.11.02 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X11 Sample Special Conditions for Together From 30 Aug 2002 Connections Mortgage (incorporating (including New Mortgage Product Doc X4 by reference) Statement of Requirements memo) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X12 Sample Special Conditions for Together From 30 Aug 2002 Mortgage (5 Year Flexible Tracker Rate) (including New Mortgage Product Northern Rock plc Statement of Requirements memo) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X13 Together Connection Savings Options Form MAR 635/1.03 From Jan 2003 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X14 Covering Letter to Borrower enclosing Together Connections Options Docs X9 and X13 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X15 Sample Covering Letter to Borrower 31 Oct 2002 Mr P Livingstone and Miss C M regarding Completion of a Together Bell (App No 10374507) Connections Loan Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X16 Sample Special Conditions for Together from 9 Jan 2003 Variable loans Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X17 Sample Special Conditions for Together from 9 Jan 2003 Connections mortgage loans - 5 year discounted tracker Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X18 Sample Special Conditions for Together from 9 Jan 2003 Fixed mortgage loans - 2, 3, 5 and 7 year fixed Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X19 Sample Special Conditions for Together from 9 Jan 2003 Exclusives Fixed mortgage loans - 2, 3, 5 and 7 year fixed Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ X20 Sample Special Conditions for Together from 9 Jan 2003 Exclusives mortgage loans Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Y Mortgage Deeds ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 65 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ Y1 Mortgage Deed (HMLR filing ref MD 542Q) From Feb 1999 Northern Rock plc [Together] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Y2 Mortgage Deed (HMLR filing ref MD 542T) SOL 1 From Oct 1999 ? Northern Rock plc [Together] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Y3 Mortgage Deed (HMLR filing ref MD542Q) From Feb 1999 Northern Rock plc [Together] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Y4 Mortgage Deed (HMLR filing ref MD542T) SOL 1 From Oct 1999 Northern Rock plc [Together Flexible] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Y5 Mortgage Deed (HMLR filing ref MD542T) SOL 1 08/00. From Aug 2000 Northern Rock plc [Together] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Y6 Mortgage Deed (HMLR filing ref MD542Z) SOL 1 02/01. From Feb 2001 Northern Rock plc [Together] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Z Supplementary Instructions to Solicitors ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Z1 [Together Mortgage - Reminder of documents to be sent with Report on Title] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Z2 [Notice - Unsecured funds not available for UE1/0700 From Jul 2000 purchase of property] ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Z3 "Together" Flexible Loan Drawdown Loan Agreement - Addendum to Instructions to Solicitors/Licensed Conveyancers (with Certificate of Solicitor/Licensed Conveyancer on reverse) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Z4 "Together" Flexible Loan Drawdown Loan TFDA/0700 From Jul 2000 Agreement - Addendum to Instructions to Solicitors/Licensed Conveyancers (with Certificate of Solicitor/Licensed Conveyancer on reverse) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Z5 "Together" Loan Drawdown Loan Agreement TFDA/0501 From May 2001 - Addendum to Instructions to Solicitors/Licensed Conveyancers (with Certificate of Solicitor/Licensed Conveyancer on reverse) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Z6 Loan Drawdown Loan Agreement - Addendum A2S/0502 From May 2002 to Instructions to Solicitors/Licensed Conveyancers (refers to Together Connections Mortgages) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Z7 Drawdown Loan Agreement - Addendum to A2S/0702 From Jul 2002 Instructions to Solicitors/Licensed Conveyancers (refers to Together Connections Mortgages) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 66 Part 5 Personal Loans ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ AA Personal Loans ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA1 Personal Loans - An Introduction DEV 376 From 1 Apr 1996 Northern Rock Building Society 01.4.1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA2 Secured Personal Loans - An DEV 456 From 1 Jul 1997 Introduction 01.7.1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA3 NOT USED ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA4 Secured Personal Loans - An MAR 3 From 1 Oct 1997 Introduction 01.10.1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA5 Secured Personal Loans - An MAR 3 From 15 Dec 1997 Introduction 15.12.1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA6 Secured Personal Loans - An MAR 3 From 12 Feb 1998 Introduction 12.2.1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA7 Secured Personal Loans - An MAR 3/8208 From 1 Jun 1998 Introduction 01.06.1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA8 Secured Personal Loans - An MAR 3/9195 From 20 Aug 1999 Introduction 20.8.1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA9 Give me the Facts - Secured MAR 3/9668 From 4 Mar 2000 Loans Explained 04.3.2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA10 Give me the Facts - Secured MAR 3/11279 From 10 May 2001 Loans Explained 10.5.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA11 Secured Loans Explained MAR 3/12506 From 4 May 2002 Northern Rock plc 04.5.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA12 We can fix it - A Secured MAR 124/8813 From 1 Jun 1998 Personal Loan 01.6.1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA13 We can fix it - A Secured MAR 125/8664 From 22 Jan 1999 Personal Loan 22.1.1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA14 We can fix it - A Secured MAR 125/9459 From 1 Nov 1999 Personal Loan 01.11.1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA15 We can fix it - A Secured MAR 125/9714 From 17 Jan 2000 Personal Loan 17.1.2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA16 Let Me Plan Ahead - Secured Loans MAR 125/11038 From 21 Feb 2001 with a Fixed Rate 21.2.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA17 Let Me Plan Ahead - Secured Loans MAR 125/11216 From 6 Apr 2001 with a Fixed Rate 06.4.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA18 Let Me Plan Ahead - Secured Loans MAR 125/11815 From 19 Sept 2001 with a Fixed Rate 19.9.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA19 I Want to Plan Ahead - Secured MAR 125/12507 From May 2002 Loans with a Fixed Rate May 2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA20 Secured Personal Loans - A guide DEV 220 From 14 Jul 1995 to costs 14.7.1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA21 Secured Personal Loans - A guide DEV 220 From 16 Oct 1995 to costs 16.10.1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 67 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ AA22 Secured Personal Loans - A guide DEV 220 From 28 Nov 1995 to costs 28.11.1995 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA23 Secured Personal Loans - A guide DEV 220 From 15 Feb 1995 to costs 15.2.1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA24 Secured Personal Loans - A guide DEV 376 From 1 Apr 1996 to costs 01.4.1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA25 Secured Personal Loans - A guide DEV 377 From 22 Apr 1996 to costs 22.4.1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA26 Secured Personal Loans - A guide DEV 377 From 25 Aug 1996 to costs 25.8.1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA27 Secured Personal Loans - A guide DEV 377 From 23 Oct 1996 to costs 23.10.1996 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA28 Secured Personal Loans - A guide DEV 377 From 3 Jan 1997 to costs 03.1.1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA29 Secured Personal Loans - A guide DEV 377 From 1 Mar 1997 to costs 01.3.1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA30 Secured Personal Loans - A guide DEV 377 From 7 Apr 1997 to costs 07.4.1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA31 Secured Personal Loans - A guide DEV 377 From 1 May 1997 to costs 01.5.1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA32 Secured Personal Loans - A guide DEV 457 From 23 Jul 1997 to costs 23.7.1997 Northern Rock Building Society ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA33 Secured Personal Loans - A guide DEV 457 From 18 Aug 1997 to costs 18.8.1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA34 Secured Personal Loans - A guide MAR 4 From 1 Oct 1997 to costs 01.10.1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA35 Secured Personal Loans - A guide MAR 4 From 1 Dec 1997 to costs 01.12.1997 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA36 Secured Personal Loans - A guide MAR 4/8208 From 1 Jun 1998 to costs 01.6.1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA37 Secured Personal Loans - A guide MAR 4/8267 From 3 Jul 1998 to costs 03.7.1998 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA38 Secured Personal Loans - A guide MAR 4/8748 From 1 Jan 1999 to costs 01.2.1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA39 Secured Personal Loans - A guide MAR 4/9155 From 24 Jul 1999 to costs 24.7.1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA40 Secured Personal Loans - A guide MAR 4/9358 From 1 Oct 1999 to costs 01.10.1999 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA41 Secured Personal Loans - A guide MAR 4/9680 From 5 Feb 2000 to costs 05.2.2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA42 Give me the figures - Secured Loan MAR 4/9668 From 4 Mar 2000 Costs in Black and White 04.3.2000 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA43 Give me the figures - Secured Loan MAR 4/11007 From 3 Mar 2001 Costs in Black and White 03.3.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA44 Give me the figures - Secured Loan MAR 4/11138 From 1 May 2001 Costs in Black and White 01.5.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 68 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ AA45 Give me the figures - Secured Loan MAR 4/11313 From 10 May 2001 Costs in Black and White 10.5.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA46 Give me the figures - Secured Loan MAR 4/11619 From 1 Sept 2001 Costs in Black and White 01.9.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA47 Give me the figures - Secured Loan MAR 4/11814 From 6 Oct 2001 Costs in Black and White 06.10.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA48 Give me the figures - Secured Loan MAR 4/12015 From 8 Nov 2001 Costs in Black and White 08.11.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA49 Give me the figures - Secured Loan MAR 4/12449 From 1 Dec 2001 Costs in Black and White 01.12.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA50 Secured Loans - Costs in MAR4/13517 Valid until further notice Black and White 8.2.03 8.2.03 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA51 Secured Personal Loans - A guide Dev. 220 Valid until further notice to costs. 1 Jan 95 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA52 Flexible borrowing on your mortgage Dev. 182 Valid until further notice - Secured Personal Loans. The 1 Jan 95 Flexible Plan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA53 Borrowing a fixed amount on your Dev. 181 Valid until further notice mortgage - Secured Personal Loans. 1 Jan 95 The Fixed Sum Plan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA54 Secured Personal Loans - A guide to costs Dev. 220 Valid until further notice 12 Jun 95 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA55 Secured Personal Loans - The Flexible Plan Dev. 182 Valid until further notice 12 Jun 95 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA56 Secured Personal Loans - The Fixed Sum Plan Dev. 181 Valid until further notice - Hard to Beat 12 Jun 95 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA57 Secured Personal Loans - The Fixed Sum Plan Dev. 181 Valid until further notice - Hard to Beat 28 Nov 95 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA58 Deed of Variation of Mortgage and Receipt SEC40/10.97 Oct 1997 for Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA59 Deed of Variation of Security and Receipt ADV152./10.97 Oct 1997 for Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA60 Receipt for Further Advance ADV60./10.97 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA61 Report on Title (Scotland) ADV268./10.97 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 69 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ AA62 Standard Security SEC53/10.97 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA58 Secured Personal Loans - MAR 4/8748 Valid until further notice A guide to costs - Hard 1 Feb 99 to Beat ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA59 Mortgage Deed (Flexible MD1/0900 Sep 2000 Plan) - 3 Copies ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA60 Mortgage Deed (Flexible MD3/0900 Sep 2000 Plan) - 3 Copies ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA61 Changes in Ownership of ADV54.11/00 Nov 2000 Mortgaged Property ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA62 Pay Safe - Payment Protection MAR8/11165 Valid until further notice 1 May 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA63 Re-Advance/Further Advance Receipt SEC37/07.01 Jul 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA64 The Mortgage Code - You and your 03/02 Mar 2002 mortgage ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA65 I want to plan ahead - Secured Loans MAR125/12507 Valid until further notice with a Fixed Rate 4 May 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA66 Tell a Friend about our Mortgages MAR507/12836 Valid until further notice and (GBP)50 could be yours Jul 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA67 Insurance - I need you to be there MAR389/12950 Valid until further notice sometimes Sep 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA68 Loan Agreement (Flexible Plan) - ACR2Z/0103 Jan 2003 3 Copies (ACR2A/1000, ACR2B/1000, ACR2C/1000) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA69 Credit Agreement Regulated by ACR1Z/0103 Jan 2003 the Consumer Credit Act 1974 (ACR1A/1000, (Flexible Plan) - 3 Copies ACR1B/1000, ACR1C/1000) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA70 Credit Agreement Regulated by ACR3Z/0103 Jan 2003 Consumer Credit Act 1974 - 3 Copies ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA71 Secured Loans Explained MAR3/13518 Valid until further notice 7 Feb 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA72 Credit Agreement Regulated by the MD1/0900 19 Feb 2003 Consumer Credit Act 1974 (Omiga Flexible Plan) + Mortgage Deed ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA73 Credit Agreement Regulated by the SEC54/04.98 19 Feb 2003 Consumer Credit Act 1974 (Omiga PSL Base) + Mortgage Deed ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA74 Credit Agreement Regulated by the SEC54/04.98 19 Feb 2003 Consumer Credit Act 1974 (Omiga PSL Fixed) + Mortgage Deed ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA75 Secured Loans - Costs in Black MAR 4/14011 Valid until further notice and White 14 Jul 03 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA76 Pro-forma Letter from A Gadomski (PLN)/PERS01/AG/* to Customer re. Personal Secured Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA77 Pro-forma Letter from A Gadomski (PLN)/PERS02/AG/* to Customer re. Loan Documents for Signature ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 70 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ AA78 Pro-forma Letter from A Gadomski (PLN)/PERS03/AG/* to Customer re. Personal Secured Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA79 Pro-forma Letter from A Gadomski (PLN)/PERS04/AG/*A re. Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA80 Form attached to (PLN)/PERS04/AG/* (PLN)/PERS05/AG/* ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA81 Pro-forma Letter from A Gadomski re. (PLN)/PERS06/AG/* Personal Secured Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA82 Pro-forma Letter from A Gadomski re. (PLN)/PERS06RA/AG/* Personal Secured Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA83 Pro-forma Letter from A Gadomski re. (PLN)/PERS07/AG/* Personal Secured Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA84 Pro-forma Letter from A Gadomski re. (PLN)/PERS08/AG/* Postponement of Second Charge ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA85 Pro-forma Deed of Postponement (PLN)/PERS09 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA86 Pro-forma Deed of Postponement (PLN)/PERS10 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA87 Pro-forma Deed of Postponement (PLN)/PERS10A ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA88 Pro-forma Letter from A Gadomski re. (PLN)/PERS11/AG/* Repayment of Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA89 Pro-forma Letter from A Gadomski re. (PLN)/PERS11A/AG/* Repayment of Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA90 Pro-forma Letter from A Gadomski re. (PLN)/PERS12/AG/* Application for Personal Secured Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA91 Mortgage Deed (Relating to a Regulated MD2/0900 and Agreement under the Consumer Credit MD2B/0900 Act 1974) - Original + 2 Copies ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA92 Credit Agreement regulated by the CA127Z/0900 Consumer Credit Act 1974 - Original + 2 Copies ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA93 Credit Agreement regulated by the CA126Z/0103 Consumer Credit Act 1974 - Original + 2 Copies ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA94 Credit Agreement Regulated by the CA138Z/0900 Consumer Credit Act 1974 - Original + 2 Copies ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA95 Credit Agreement Regulated by the CA125Z/0102 Consumer Credit Act 1974 - Original + 2 Copies ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA96 Re-Advance/Further Advance Receipt (Omiga Further Advance) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 71 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ AA97 Deed of Variation of Mortgage and Receipt for Further Advance (Omiga Further Advance) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA98 English Flexible Plan Paragraphs ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA99 English PSL Paragraphs ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA100 Further Advance Paragraphs ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA101 Pro-forma Letter from A Gadomski to (PLN)/PERS13/AG/* Customer re. Offer of Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA102 Pro-forma Letter from A Gadomski to (PLN)/PERS14/AG/* Customer re. Further Advance Application ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA103 Pro-forma Letter from A Gadomski to (PLN)/PERS15/AG/* Customer re. Further Advance Application ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA104 Pro-forma Letter from A Gadomski (PLN)/PERS16/AG/* re. Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA105 Pro-forma Letter from A Gadomski to (PLN)/PERS17/AG/* Customer re. Offer of Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA106 Pro-forma Letter from A Gadomski to (PLN)/PERS18/AG/* Customer re. Further Advance Application ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA107 Pro-forma Letter from A Gadomski re. (PLN)/PERS19/AG/* Postponement of Second Charge ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA108 Deed of Postponement (PLN)/PERS20 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA109 Deed of Postponement (PLN)/PERS21 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA110 Deed of Postponement (PLN)/PERS21A ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA111 Deed of Postponement (PLN)/PERS21A ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA112 Pro-forma Letter from A Gadomski to (PLN)/PERS22/AG/* Customer re. Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA113 Pro-forma Letter from A Gadomski re. (PLN)/PERS22A/AG/* Additional Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA114 Pro-forma Letter from A Gadomski to (PLN)/PERS24A/AG/* Customer re. Personal Secured Loan, Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA115 Pro-forma Letter from A Gadomski re. (PLN)/PERS25AG/* Repayment of Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA116 Pro-forma Letter from A Gadomski re. (PLN)/PERS26AG/* Personal Secured Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA117 Pro-forma Letter from A Gadomski to (PLN)/PERS28AG/* Customer re. Additional Advance Application ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 72 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ AA118 Pro-forma Letter from A Gadomski re. (PLN)/PERS30AG/* Postponement of Second Charge ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA119 Pro-forma Letter from A Gadomski to (PLN)/PERS31AG/* Customer re. Redemption Figure Request ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA120 Pro-forma Letter from A Gadomski to (PLN)/PERS37AG/* Customer re. Application for Personal Secured Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA121 Pro-forma Letter from A Gadomski re. (PLN)/PERS39AG/* Personal Secured Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA122 Form acknowledging receipt of advance (PLN)/PERS40 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA123 Form re. Certificate of Consent (PLN)/PERS41 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA124 Pro-forma Letter from A Gadomski to (PLN)/PERS50AG/* Customer re. Release and Discharge ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA125 Pro-forma Letter from A Gadomski to (PLN)/PERS51/AG/* Customer re. Release and Discharge ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA126 Application for a Further Advance Loan (PLN)/PERS38/AG/* ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA127 Pro-forma Letter from A Gadomski to (PLN)/PERS52/AG/* Customer re. Personal Secured Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA128 Pro-forma Letter from A Gadomski to (PLN)/PERS53/AG/*A Customer re. Personal Secured Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA129 Deed of Postponement (PLN)/PERS21B ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA130 Deed of Postponement (PLN)/PERS10B ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA131 Pro-forma Letter from A Gadomski to (PLN)/FLEX01/AG/* Customer re. Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA132 Pro-forma Letter from A Gadomski to (PLN)/FLEX02/AG/* Customer re. Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA133 Pro-forma Letter from A Gadomski to (PLN)/FLEX03/AG/* Customer re. Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA134 Application for Flexible Plan Loan (PLN)/FLEX04/SO/* ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA135 Pro-forma Letter from A Gadomski re. (PLN)/FLEX05/AG/* Postponement of Second Charge ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA136 Deed of Postponement (PLN)/FLEX06 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA137 Deed of Postponement (PLN)/FLEX07 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 73 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ AA138 Deed of Postponement (PLN)/FLEX07A ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA139 Pro-forma Letter from A Gadomski re. (PLN)/FLEX08/AG/* Repayment of Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA140 Pro-forma Letter from A Gadomski re. (PLN)/FLEX08A/AG/* Repayment of Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA141 Pro-forma Letter from A Gadomski re. (PLN)/FLEX09/AG/* Application from Borrower ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA142 Pro-forma Letter from A Gadomski re. (PLN)/FLEX10/AG/* Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA143 Pro-forma Letter from A Gadomski re. (PLN)/FLEX11/AG/* Personal Secured Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA144 Extract from Title Deeds (PLN)/FLEX12/SO/* ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA145 Pro-forma Letter from A Gadomski to (PLN)/FLEX13/AG/* Customer re. Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA146 Pro-forma Letter from A Gadomski re. (PLN)/FLEX14/AG/* Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA147 Pro-forma Letter from A Gadomski re. (PLN)/FLEX14RA/AG/* Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA148 Pro-forma Letter from A Gadomski re. (PLN)/FLEX15/AG/* Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA149 Pro-forma Letter from A Gadomski re. (PLN)/FLEX15RA/AG/* Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA150 Pro-forma Letter from A Gadomski re. (PLN)/FLEX16/AG/* Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA151 Pro-forma Letter from A Gadomski to (PLN)/FLEX24/AG/* Customer re. Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA152 Pro-forma Letter from A Gadomski re. Title (PLN)/FLEX25/AG/* Deeds ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA153 Pro-forma Letter from A Gadomski re. Title (PLN)/FLEX25A/AG/* Deeds ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA154 Pro-forma Letter from A Gadomski to (PLN)/FLEX26/AG/* Customer re. Proposed Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA155 Pro-forma Letter from A Gadomski to (PLN)/FLEX27/AG/* Customer re. Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 74 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ AA156 Pro-forma Letter from A Gadomski re. (PLN)/FLEX26B/AG/* Further Advance Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA157 Pro-forma Letter from A Gadomski re. (PLN)/FLEX26A/AG/* Further Advance Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA158 Pro-forma Letter from A Gadomski re. (PLN)/FLEX25B/AG/* Further Advance Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA159 Pro-forma Letter from A Gadomski re. (PLN)/FLEX25C/AG/* Property ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA160 Pro-forma Letter from A Gadomski to (PLN)/FLEX28/AG/* Customer re. Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA161 Pro-forma Letter from A Gadomski to (PLN)/FLEX29/AG/* Customer re. Flexible Plan Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA162 Deed of Postponement (PLN)/FLEX07B ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA163 Pro-forma Letter from A Gadomski to (PLN)/FLEX26/AG/* Customer re. Proposed Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA164 Certificate of Consent ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA165 Loan Agreement (Flexible Plan - ACR4Z/0103 Scotland) - 3 Copies ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ AA166 Omiga/BMA Branch Pack - For Your Reference ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Part 5 Non-material documents ------------------------------------------------------------------------------------------------------------------------ SABW Dcoument Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ BB ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB1 Instructions to Solicitors - Fixed ADV 269 5.98 From May 1998 Sum Plan (Scotland) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB2 Instructions to Solicitors - Fixed ADV 269a 5.98 From May 1998 Sum Plan (Scotland) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB3 Deed of Variation of Security and SOL009 09/00 From Sep 2000. Not used by Receipt for Further Advance further advance dept. Used by (Scotland) product transfer dept. where Northern Rock plc borrower is switching product and increasing borrowing at same time (only used on older forms of mortgage conditions switching from annual rest mortgage to a daily rest version. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB4 Help Me Buy to Let - Mortgages for MAR 466/11665 From 3 Sep 2001 Landlords 03.9.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 75 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ BB5 Help Me Buy to Let - Mortgages MAR 466/11794 From 19 Sep 2001 for Landlords 19.9.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB6 Help Me Buy to Let - Mortgages MAR 466/11856 From 4 Oct 2001 for Landlords 04.10.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB7 Help Me Buy to Let - Mortgages MAR 466/11974 From 8 Nov 2001 for Landlords 08.11.2001 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB8 Help Me Buy to Let - Mortgages MAR 466/12222 From 7 Jan 2002 for Landlords 07.1.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB9 I want to buy to let - Mortgages MAR 466/12470 From 20 Mar 2002 for Landlords 20.3.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB10 I want to buy to let - Mortgages MAR 466/12645 From 10 May 2002 for Landlords 10.5.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB11 I want to buy to let - Mortgages MAR 466/12861 From 26 Jul 2002 for Landlords 26.7.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB12 I want to buy to let - Mortgages MAR 466/12861 From 6 Aug 2002 for Landlords 06.8.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB13 I want to buy to let - Mortgages MAR 466/13148 From 21 Oct 2002 for Landlords 21.10.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB14 I want to buy to let - Mortgages MAR 466/13232 From 8 Nov 2002 for Landlords 08.11.2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB15 Sample Special Conditions for Bradford & From 9 Jan 2003 Bingley Together Exclusives (Variable) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB16 Sample Special Conditions for Bradford & From 9 Jan 2003 Bingley Together Exclusives Fixed mortgage loans - 2, 3, 5 and 7 year fixed Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB17 Sample Special Conditions for Buy to From 9 Jan 2003 Let 2 year Fixed Rate Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB18 Sample Special Conditions for Buy to From 9 Jan 2003 Let 1.5% 5 year Tracker Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB19 Sample Wording - Buy to Let - Help With Costs Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB20 Sample Special Conditions for HERM From 9 Jan 2003 Cashplus Fixed and Capped/ Exclusive HERM Cashplus Fixed and Capped/SIFA HERM Cashplus Fixed and Capped Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB21 Sample Special Conditions for HERM From 9 Jan 2003 Standard Fixed and Capped/ HERM Standard Fixed and Capped Exclusives/ SIFA HERM Standard Fixed and Capped Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB22 Sample Special Conditions for Legal From 9 Jan 2003 & General Together Exclusives (Variable) Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 76 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ BB23 Sample Special Conditions for Legal From 9 Jan 2003 & General Together Exclusives Fixed mortgage loans - 2, 3, 5 and 7 year fixed Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB24 I want to buy to let MAR 466/13372 From 10 Jan 2003 Northern Rock plc 10.01.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB25 Confirmation of Identity Jan 2002 From Jan 2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB26 Confirmation of Identity Sept 2002 From Sept 2002 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB27 Confirmation of Identity 28 Jan 2003 From 28 Jan 2003 Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ BB28 I need you to be there sometimes MAR 389/12958 From Sept 2002 [insurance] Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Part 6 Documents Used Only in the Origination of Connections Mortgages ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ CC Brochures ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ CC1 Connections - Current Account Terms MAR 634/13347 Valid until further notice - 27.11.2002 and Conditions - Small but important 27.11.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ CC2 Connections - Save Direct Terms MAR 633/13347 Valid until further notice - 27.11.2002 and Conditions - Small but important 27.11.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ CC3 Mortgages - Options for your MAR 632/13363 Valid until further notice - 27.11.2002 Connections Mortgage 27.11.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ CC4 Mortgages - I Want to Shrink my MAR 625/13245 Valid until further notice - 27.11.2002 Mortgage 27.11.2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ CC5 Connections - What's it going to Cost? MAR 630/13833 Valid until further notice - 18.6.2003 18.6.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ CC6 Connections - What's it going to Cost? MAR 630/13833 Valid until further notice - 14.7.2003 14.7.2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ CC7 Connections - What's it going to Cost? MAR 630/13833 Valid until further notice - 25.7.2003 25/7/2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ CC8 Connections - What's it going to cost? MAR 630/13833 Valid until further notice 9 Sep 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ CC9 Connections - What's it going to cost? MAR 630/13833 Valid until further notice 14 Oct 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ DD Mortgage Application Forms ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ DD1 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ EE Connections Credit/Loan Agreements ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ EE1 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 77 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ FF Conditions for Connections products (eg Savings Account Applications/ Agreements etc) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ FF1 Connections Conditions MAR 631 27.11.02 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ FF2 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ GG Mortgage Deeds ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ GG1 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ HH Supplementary Instructions to Solicitors ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ HH1 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ HH2 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ II Miscellaneous Mortgage Documents ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ II1 Connections Savings Options Form MAR 635/1.03 Jan 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ II2 Memo re New Mortgage Product Statement 11 Aug 2003 of Requirements - Connections 7 Year Flexible Discount Tracker ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ II3 Pro forma of Covering Letter to Ref: CUSTADMIN/JW 2 Sep 2003 customers enclosing Connections Pack ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 78 Part 7 Documents used in the Origination of Scottish Mortgages/Loans Only ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ1 Affidavit (re: Matrimonial Home/ ADV 77/1/87 Jan 1987 Occupancy Rights) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ2 Re-advance/Further Advance Receipt SEC 37/11/93 Nov 1993 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ3 Additional Advance Cheque Request ADV 133. 01/94 Jan 1994 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ4 Standard Security ADV 58.01/94 Jan 1994 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ5 Report on Title (Scotland) - ADV 136. 01/94 Jan 1994 Regulated Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ6 Deed of Variation of Security and ADV152. 01/94 Jan 1994 Receipt for Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ7 Report on Title (Scotland) ADV 62./01.94 Jan 1994 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ8 Assignation of Life Assurance Policy ADV 59. 01/94 Jan 1994 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ9 Scottish Mortgage Conditions 1994 SEC 33/02.94 Feb 1994 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ10 Flexible Plan Application Form ADV 156/9/94 Sep 1994 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ11 Report and Valuation for Mortgage ADV 7/11.94 Nov 1994 Purposes on Behalf of Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ12 Deed of Postponement (relating to a FLEX06- 1995? 1995? Flexible Plan Loan regulated by the Consumer Credit Act 1974) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ13 Deed of Postponement (relating to a FLEX07- 1995? 1995? Flexible Plan Loan regulated by the Consumer Credit Act 1974) FLEX07- 1995? ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ14 Deed of Postponement (relating to a PERS09- 1995? 1995? Personal Secured Loan regulated by the Consumer Credit Act 1974) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ15 Deed of Postponement (relating to a PERS10- 1995? 1995? Personal Secured Loan regulated by the Consumer Credit Act 1974) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ16 Deed of Postponement PERS20- 1995? 1995? ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ17 Deed of Postponement PERS21- 1995? 1995? ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ18 Fixed Sum Plan Application Form ADV 31/4.95 Apr 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ19 Credit Agreement Regulated by the Flexible Plan Jul 1995 Consumer Credit Act 1974 (Scotland) - ADVCR3 07/95 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ20 Loan Agreement - Flexible Plan ADVCR4 07/95 Jul 1995 (Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ21 Credit Agreement Regulated by the ADV 138 09/95 Sep 1995 Consumer Credit Act 1974 (Personal Secured Loan) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ22 Assignation of Life Assurance Policy ADV 59. 09/95 Sep 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ23 Credit Agreement Regulated by the ADV 138 09/95 Sep 1995 Consumer Credit Act 1974 (Personal Secured Loan) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ24 Receipt for Further Advance ADV 60. 09.95 Sep 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ25 Deed of Variation of Security ADV152. 09/95 Sep 1995 and Receipt for Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 79 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ JJ26 Consent by Non-Entitled Spouse ADV 64. /09/95 Sep 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ27 Postponed Standard Security SEC 53. 09/95 Sep 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ28 Standard Security ADV 58. 09/95 Sep 1995 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ29 Deed of Postponement (relating to (PLN)/FLEX07 - Oct 1995 a Flexible Plan Loan regulated 01/10/1995 by the Consumer Credit Act 1974) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ30 Scottish Mortgage Conditions 1995 SEC33/0296 Feb 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ31 Report on Title (Scotland) 1995 ADV62/0596 May 1996 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ32 Credit Agreement Regulated by the ADR3A-C/0796 July 1996 Consumer Credit Act 1974 - Flexible Plan (Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ33 Report on Title (Scotland) ADV62/0197 Jan 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ34 Guarantors Confirmation ADV266. 7/97 July 1997 (Existing Borrowers) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ35 Fixed Sum Plan Application Form ADV31/07.97 July 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ36 Flexible Plan Application Form ADV 156.07/97 July 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ37 Deed of Postponement (relating to (PLN)/PERS09- Oct 1997 a Personal Secured Loan regulated 01/10/1997 by the Consumer Credit Act 1974) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ38 Deed of Postponement (relating to (PLN)/PERS10- Oct 1997 a Personal Secured Loan regulated 01/10/1997 by the Consumer Credit Act 1974) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ39 Deed of Postponement (PLN)/PERS21- Oct 1997 01/10/1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ40 Flexible Plan Application Form ADV156.10/97 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ41 Fixed Sum Plan Application Form ADV31.10/97 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ42 Guarantors Confirmation ADV266. 10/97 Oct 1997 (Existing Borrowers) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ43 Assignation of Life Assurance Policy ADV59/10.97 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ44 Re-advance/Further Advance Receipt SEC37/1097 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ45 Standard Security ADV58/1097 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ46 Receipt for Further Advance ADV60.10/97 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ47 Report on Title (Scotland) ADV268.10/97 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ48 Report on Title (Scotland) ADV136.10/97 Oct 1997 - Regulated Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ49 Credit Agreement Regulated by the ADV138.10.97 Oct 1997 Consumer Credit Act 1974 (Personal Secured Loan) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ50 Postponed Standard Security SEC53.10/97 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ51 Schedule of Documents of Title SEC7.10/97 Oct 1997 (Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ52 Scottish Mortgage Conditions 1997 SEC33.10/97 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ53 Consent by Non-Entitled Spouse ADV64.10/97 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ54 Affidavit (re: Matrimonial Home/ ADV77/10/97 Oct 1997 Occupancy Rights) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ55 Report and Valuation for Mortgage ADV 7/10.97 Oct 1997 Purposes on Behalf of Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 80 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ JJ56 Additional Advance Funds Request ADV 133./10.97 Oct 1997 (Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ57 Instructions to Solicitors - For ADV 270. Oct 1997 Flexible Plan Loans Over (Flexible Plan (GBP) 15,000 over (GBP) 15K - Scotland) 10/97 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ58 Instructions to Solicitors ADV 136./10.97 Oct 1997 (Attaching Report on Title (Scotland) - Regulated Loan) - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ59 Deed of Variation of Security ADV152. 10/97 Oct 1997 and Receipt for Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ60 Instructions to Solicitors - ADV 137 10/97 Oct 1997 (Flexi - Under(GBP)15K - Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ61 Credit Agreement Regulated by the ADR3A-C/1097 Oct 1997 Consumer Credit Act 1974 - Flexible Plan (Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ62 Loan Agreement - Flexible Plan (Scotland) ACR4A-C/1097 Oct 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ63 Additional Advance Funds Request ADV 133./11.97 Nov 1997 (Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ64 Flexible Plan Application Form ADV156.15/12/97 Dec 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ65 Fixed Sum Plan Application Form ADV31.15/12/97 Dec 1997 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ66 Additional Advance Funds Request ADV 133./1.98 Jan 1998 (Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ67 Report on Title (Scotland) ADV 62./02.98 Feb 1998 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ78 Loan Agreement - Flexible Plan ACR4A-C/0298 Feb 1998 (Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ69 Instructions to Solicitors - For ADV 270.04.98 Apr 1998 Flexible Plan Loans Over (GBP)25,000 - (Flexible Plan over (GBP)25K - Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ70 Report on Title (Scotland) - ADV 136./05.98 May 1998 Regulated Loan ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ71 Instructions to Solicitors - (Fixed ADV 269.5/98 May 1998 Sum Plan - Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ72 Secured Personal Loan Application ADV 31. 5/98 May 1998 Form ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ73 Instructions to Panel Solicitors ADV 269a.05/98 May 1998 - (Fixed Sum Plan - Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ74 Credit Agreement Regulated by the MAR 127 01/06/98 Jun 1998 Consumer Credit Act 1974 (Personal Secured Loan) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ75 Credit Agreement Regulated by the ACR3A-C/0798 Jul 1998 Consumer Credit Act 1974 - Flexible Plan (Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ76 Instructions to Solicitors - ADV 137/ 01.07.98 Jul 1998 (Flexi - Under 25K - Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ77 Report and Valuation for Mortgage ADV 7/12.98 Dec 1998 Purposes on Behalf of Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ78 Secured Personal Loan Application Form ADV 31. 1/99 Jan 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ79 Deed of Postponement (PLN)/PERS20 Oct 1999 - 01/10/1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ80 Report on Title (Scotland) ADV 62./11.99 Nov 1999 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 81 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ JJ81 Deed of Postponement (PLN)/PERS10 2000? (relating to a Personal A - 2000? Secured Loan regulated by the Consumer Credit Act 1974) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ82 Deed of Postponement (PLN)/PERS21A - 2000? 2000? ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ83 Deed of Postponement (PLN)/FLEX07 A 2000? (relating to a Flexible - 2000? Plan Loan regulated by the Consumer Credit Act 1974) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ84 Secured Personal Loan Application Form ADV 031 (8.5.2000) May 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ85 consent by Non-Entitled Spouse ADV 64./06/00 June 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ86 Affidavit (re: Matrimonial Home/ ADV77 /07.00 Jul 2000 Occupancy Rights) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ87 Report on Title (Scotland) ROT/0800 Aug 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ88 Credit Agreement Regulated by the CA138B/0900 Sep 2000 Consumer Credit Act 1974 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ89 Credit Agreement Regulated by the CA127 09/00 Sep 2000 Consumer Credit Act 1974 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ90 Credit Agreement Regulated by the ACR3A-C/1000 Oct 2000 Consumer Credit Act 1974 - Flexible Plan (Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ91 Loan Agreement - Flexible Plan ACR4A-C/1000 Oct 2000 (Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ92 Scottish Mortgage Conditions 1997 SEC33/11.00 Nov 2000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ93 Schedule of Documents of Title SOGO1/0201 Feb 2001 (Scotland) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ94 Deed of Variation of Security and ADV281/05.01 May 2001 Receipt for Further Advance ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ95 Deed of Guarantee (Scotland) ADV277/06.01 Jun 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ96 Standard Security ADV278 06/01 Jun 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ97 Deed of Variation of Security and ADV279 06/01 Jun 2001 Receipt for Further Advance (with Guarantor) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ98 Receipt for Further Advance ADV280 Jul 01 Jul 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ99 Scottish Mortgage Conditions 2001 SEC 72/07.2001 Jul 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ 82 ------------------------------------------------------------------------------------------------------------------------ SABW Document Reference Usage period and notes ------------------------------------------------------------------------------------------------------------------------ JJ100 Scottish Mortgage Conditions 2001 SEC 72/01.2001 Jul 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ101 Secured Personal Loan Application Form ADV 031(1.8.2001) 1 Aug 2001 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ102 Report on Title (Scotland) ROT/0502 May 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ103 Additional Advance Funds Request AAFR/0802 Aug 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ104 Report on Title (Scotland) ROT/1102 Nov 2002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ105 CML Lenders' Handbook for Scotland Jan 2003 (Part 2 - Name of Mortgage Lender) - Date Last Amended (1-Jan-2003) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ106 Credit Agreement Regulated by the CA127 01/03 Jan 2003 Consumer Credit Act 1974 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ107 Credit Agreement Regulated by the 01/03 Jan 2003 Consumer Credit Act 1974 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ108 Report and Valuation for Mortgage ADV 7/07.03 Jul 2003 Purposes on Behalf of Northern Rock plc ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ109 Secured Personal Loan Application ADV 031 (08.2003) Aug 2003 Form ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ110 Offer of Loan Oct 2003 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ111 Together - Standard Security SOL002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ112 Schedule of Documents of Title SEC 7 (Scotland) (Pre 01/10/97) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ113 Consent by Non-Entitled Spouse ADV 64 (Pre 09/95) ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ JJ114 Standard Security (Scottish Mortgage Conditions 2001 apply) ------------------------------------------------------------------------------------------------------------------------
SIGNATORIES SIDLEY AUSTIN BROWN & WOOD By: ALLEN & OVERY By: 83 84