Fourth Amended Issuer Master Definitions Schedule by Granite Master Issuer PLC

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Summary

This document, dated January 19, 2005 and amended several times thereafter, is the Fourth Amended Issuer Master Definitions Schedule for Granite Master Issuer PLC. It sets out standardized definitions and terms used across related financial and legal documents for the issuer and its transactions. The schedule is intended to ensure consistency in interpretation and application of terms in agreements involving the issuer, its agents, and related parties. The document is governed by English law and is signed by representatives of Sidley Austin LLP and Allen & Overy LLP.

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EX-10.5.2 23 efc7-1485_exh1052.txt Exhibit 10.5.2 EXECUTION VERSION Dated 19 January, 2005 GRANITE MASTER ISSUER PLC - ---------------------------------------------------------------------------- FOURTH AMENDED ISSUER MASTER DEFINITIONS SCHEDULE - ---------------------------------------------------------------------------- SIDLEY AUSTIN LLP -----------------| SIDLEY | CONTENTS 1. Definitions..........................................................1 2. Interpretation and Construction.....................................23 3. Governing Law.......................................................25 i THIS ISSUER MASTER DEFINITIONS SCHEDULE WAS SIGNED FOR THE PURPOSES OF IDENTIFICATION ON 19 JANUARY 2005 AND AMENDED AND RESTATED PURSUANT TO THE DEED OF AMENDMENT AND RESTATEMENT DATED 26 AUGUST, 2005, 25 JANUARY, 2006, 19 JANUARY, 2007 AND 17 MAY, 2007 BY: (1) Sidley Austin Brown & Wood of Woolgate Exchange, 25 Basinghall Street, London EC2V 5HA; and (2) Allen & Overy LLP 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. "AAA Loan Tranches" means the Loan Tranches made by the Master Issuer to Funding 2 under the Global Intercompany Loan Agreement from the proceeds of issue of any Series of Class A Notes; "AA Loan Tranches" means the Loan Tranches made by the Master Issuer to Funding 2 under the Global Intercompany Loan Agreement from the proceeds of issue of any Series of Class B Notes; "A Loan Tranches" means the Loan Tranches made by the Master Issuer to Funding 2 under the Global Intercompany Loan Agreement from the proceeds of issue of any Series of Class M Notes; "Account Bank" means, in relation to the Master Issuer, the Issuer Account Banks and for any other Issuer, the Account Bank for such Issuer appointed from time to time in accordance with the relevant Issuer Transaction Documents; "Agent Bank" means, in relation to the Master Issuer, Citibank, N.A., Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB initially appointed pursuant to the Issuer Paying Agent and Agent Bank Agreement or, if applicable, any successor Agent Bank at its Specified Office; "Agents" means, in relation to the Master Issuer, the Principal Paying Agent, the US Paying Agent, the Registrar and the Transfer Agent, initially appointed pursuant to the Issuer Paying Agent and Agent Bank Agreement, or, if applicable, any successor agents; "Alternative Clearing System" means any clearing system other than DTC, Euroclear and Clearstream, Luxembourg approved in writing by the Note Trustee; "Appointee" has the meaning specified in the 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 Funding 2) Funding 2 or (in the case of the Master Issuer) the Master Issuer and appointed by the Mortgages Trustee, Funding 2 or the Master Issuer as the case may be; "Authorised Denominations" has the same meaning as "Authorised Holdings"; "Authorised Holdings" means in respect of the US Notes, $100,000 and integral multiples of $1,000 in excess thereof, or in relation to a Series and Class of Issuer Notes, as otherwise specified in the applicable Note Supplement; "Authorised Signatory" means in relation to: (a) the Master Issuer, any authorised signatory referred to in the Mandates relating to the Master Issuer; (b) the Mortgages Trustee, any authorised signatory referred to in the Mortgages Trustee Account Mandates; and (c) Funding 2, any authorised signatory referred to in the Funding 2 Account Mandates; "Basic Terms Modification" in relation to the Issuer Notes has the meaning set out in Schedule 4 to the Issuer Trust Deed; "BBB Loan Tranches" means the Loan Tranches made by the Master Issuer to Funding 2 under the Global Intercompany Loan Agreement from the proceeds of issue of any Series of Class C Notes; "BB Loan Tranches" means the Loan Tranches made by the Master Issuer to Funding 2 under the Global Intercompany Loan Agreement from the proceeds of issue of any Series of Class D Notes; "Block Voting Instruction" has the meaning set out in Schedule 4 to the Issuer Trust Deed; "Blocked Note" has the meaning specified in Schedule 4 to the Issuer Trust Deed; "Bullet Loan Tranche" means any Loan Tranche which is scheduled to be repaid in full on one Loan Payment Date. Bullet Loan Tranches will be deemed to be Pass-Through Loan Tranches if: (a) a date specified in relation to the same in the applicable Loan Tranche Supplement occurs; (b) a Pass-Through Trigger Event occurs; or (c) the Step-Up Date (if any) in relation to such Loan Tranche occurs. "Bullet Repayment Date" means for any Bullet Loan Tranche the Monthly Payment Date specified as such for such Loan Tranche in the applicable Loan Tranche Supplement; "Business Day" means, in relation to the Issuer Notes, a day that is a London Business Day, a New York Business Day and a TARGET Business Day; "Calculation Agent" in relation to any Issuer Swap Agreement has the meaning given to it under such Issuer Swap Agreement; "certification date" has the meaning specified in the Issuer Trust Deed; "Chairman" has the meaning set out in Schedule 4 to the Issuer Trust Deed; "Class" means any of the Class A Notes, the Class B Notes, the Class M Notes, the Class C Notes and the Class D Notes; 2 "Class A Noteholders" means the holders of the Class A Notes; "Class A Notes" means, in relation to the Master Issuer, the Issuer Notes of any Series designated as such in the applicable Final Terms 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 Noteholders" means the holders of the Class B Notes; "Class B Notes" means, in relation to the Master Issuer, the Issuer Notes of any Series designated as such in the applicable Final Terms 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 Noteholders" means the holders of the Class C Notes; "Class C Notes" means, in relation to the Master Issuer, the Issuer Notes of any Series designated as such in the applicable Final Terms; 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 D Noteholders" means the holders of the Class D Notes; "Class D Notes" means, in relation to the Master Issuer, the Issuer Notes of any Series designated as such in the applicable Final Terms; 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 Noteholders" means the holders of the Class M Notes; "Class M Notes" means, in relation to the Master Issuer, the Issuer Notes of any Series designated as such in the applicable Final Terms; 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; "Clearing System" means any of DTC (with respect to the US Notes) and Euroclear and Clearstream, Luxembourg (with respect to the Reg S Notes), and any Alternative Clearing System; "Clearstream, Luxembourg" means Clearstream Banking, societe anonyme; "Closing Date" means the closing date for the issuance of any Series and Class of Issuer Notes as specified in the Final Terms for such Issuer Notes; "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 Issuer Notes, the terms and conditions to be endorsed on such Issuer Notes in the form or substantially in the form scheduled to the 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 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 Issuer Trust Deed; 3 "Cut-Off Date" means the cut-off date in relation to the issuance of any Series of Issuer Notes, which will be specified in the Final Terms for such Issuer Notes; "Dealers" means Barclays Bank PLC, Citigroup Global Markets Limited and Merrill Lynch International and any other dealers appointed from time to time in accordance with the Programme Agreement; "Deferred Interest" in relation to the Issuer Notes has the meaning given to it under Condition 4 of the Issuer Notes; "Designated Subsidiary" means (a) in respect of the Issuer Post-Enforcement Call Option Agreement, a designated subsidiary of the Issuer Post-Enforcement Call Option Holder, to be designated by notice from the Issuer Post-Enforcement Call Option Holder to the Note Trustee, at the discretion of the Issuer Post-Enforcement Call Option Holder; and (b) in respect of the Issuer Post-Enforcement Start-Up Loan Option Agreement, a designated subsidiary of the Issuer Post-Enforcement Call Option Holder, to be designated by notice from the Issuer Post-Enforcement Call Option Holder to the Issuer Start-Up Loan Provider, at the discretion of the Issuer Post-Enforcement Call Option Holder; "Determination Date" means, in respect of a Series and Class of Issuer Notes, the date(s) specified as such in the applicable Final Terms; "Determination Period" means, in respect of any Series and Class of Issuer Notes, each period from (and including) a Determination Date for such Issuer Notes to (but excluding) the next Determination Date for such Issuer Notes (including, where either the Interest Commencement Date for such Issuer Notes or the final Note Payment Date for such Issuer Notes is not a Determination Date, the period commencing on the first Determination Date for such Issuer Notes prior to, and ending on the first Determination Date for such Issuer Notes falling after, such date); "DTC" means the Depository Trust Company; "DTC Custodian" means Citibank, N.A. in its capacity as custodian for DTC in respect of the US Global Note Certificates; "Dual Currency Interest Notes" means an Issuer Note, the interest basis of which is specified in the applicable Final Terms as being dual currency interest; "EONIA Rate" means the Euro OverNight Index Average which is the effective overnight reference rate for the Euro computed as a weighted average of all overnight unsecured lending transactions undertaken in the interbank market, initiated within the Euro area by the contributing banks; "EU Regulation" means the Council Regulation (EC) No. 1346/2000 of 29 May 2000 on Insolvency Proceedings; "EURIBOR" means the Euro-some inter-bank offered rate, as determined by the Agent Bank in accordance with the Issuer Paying Agent and Agent Bank Agreement; "Euroclear" means the Euroclear system; "Event of Default" means, as the context requires, either of the following: (a) for any Issuer Notes, an event of default under the Terms and Conditions of those Issuer Notes; or 4 (b) for the Global Intercompany Loan, or any other Funding 2 Intercompany Loan, the occurrence of an event of default under the terms and conditions of the Global Intercompany Loan Agreement or the applicable Funding 2 Intercompany Loan Agreement. "Extraordinary Resolution" in relation to the Issuer Notes has the meaning set out in Schedule 4 to the Issuer Trust Deed; "Final Maturity Date" means, in respect of any Series and Class of Issuer Notes, the date specified as such for such Series and Class of Issuer Notes in the related Final Terms; "Final Repayment Date" means, in relation to any Loan Tranche, the date specified as such for such Loan Tranche in the related Loan Tranche Supplement; "Financial Year" means, in relation to the Master Issuer, Holdings, the Mortgages Trustee, Funding 2 and the Issuer Post Enforcement Call Option Holder, each twelve month period ending on the last day of the calendar year; "Floating Rate Note" means an Issuer Note, the interest basis of which is specified in the applicable Final Terms as being floating rate; "Form of Proxy" has the meaning specified in Schedule 4 to the Issuer Trust Deed; "Funding 2 Programme Date" means 19 January, 2005; "Funding (Issuer) Reserve Fund" means a reserve fund established in the name of Funding for the benefit of a Funding Issuer; "Global Intercompany Loan" means at any time, the aggregate of all Loan Tranches advanced under the Global Intercompany Loan Agreement; "Global Intercompany Loan Agreement" means the global intercompany loan agreement dated on or about the Funding 2 Programme Date between the Master Issuer, Funding 2, the Funding 2 Security Trustee and the Agent Bank; "Global Intercompany Loan Event of Default" has the meaning set out in the Global Intercompany Loan Agreement; "Global Note Certificates" means the note certificates representing the Issuer Notes in global form and "Global Note Certificate" means any one of them; "GPCH" means GPCH Limited, a company incorporated with Limited Liability under the laws of England and Wales with registered number ###-###-####; "Holder" or "holder" means, in relation to the Issuer Notes, the person in whose name an Issuer Note is for the time being registered in the Register (or in the case of joint holders, the first named thereof); "Index Linked Interest Note" means an Issuer Note, the interest basis of which is specified in the applicable Final Terms as being index linked interest; "Individual Note Certificates" means the note certificates representing the Issuer Notes in definitive form; "Interest Amounts" has the meaning given to it under Condition 4(B) of the Issuer Notes; 5 "Interest Determination Date" means in respect of any Series and Class of Issuer Notes, the Closing Date of such Issuer Notes or such other date as may be specified as such in the applicable Final Terms; "Interest Period" means: (a) in relation to any Series and Class of Issuer Notes, (i) with respect to the first Payment Date, the period from (and including) the Interest Commencement Date for such Issuer Notes to (but excluding) such first Payment Date, and (ii) thereafter, with respect to each Note Payment Date for such Issuer Notes, the period from (and including) the preceding Note Payment Date to (but excluding) such current Note Payment Date for such Issuer Notes; and (b) in respect of any Loan Tranche, (i) with respect to the first Loan Payment Date for such Loan Tranche, the period from (and including) the applicable Interest Commencement Date to (but excluding) such first Loan Payment Date, and (ii) thereafter, with respect to each Loan Payment Date for such Loan Tranche, the period from (and including) the preceding Loan Payment Date to (but excluding) such current Loan Payment Date; "Issuer Account Bank" means any of the banks at which the Issuer Bank Accounts are maintained from time to time, being (i) in respect of the Issuer Transaction Accounts, the Issuer Transaction Account Banks; and (ii) in respect of the Issuer GIC Account, the Issuer GIC Account Bank, and/or any other Authorised Entity appointed by the Master Issuer (with the prior written approval of the Issuer Security Trustee) in accordance with the Issuer Transaction Documents; "Issuer Available Principal Receipts" means: (1) prior to enforcement of the Issuer Security, in respect of any Monthly Payment Period, the sum calculated by the Issuer Cash Manager on the Distribution Date immediately preceding such Monthly Payment Period equal to: (a) all principal amounts repaid by Funding 2 to the Master Issuer under the Global Intercompany Loan Agreement on any Monthly Payment Date falling in the relevant Monthly Payment Period; and (b) in so far as needed to make and Issuer Reserve Principal Payment, any amount available to be drawn under the Issuer Reserve Fund, less the aggregate of the amounts to be applied on all Monthly Payment Dates falling in the relevant Monthly Payment Period in payment of interest or expenses under the Issuer Pre-Enforcement Revenue Priority of Payments, plus any amounts to be credited to the Issuer Reserve Ledger under the Issuer Pre-Enforcement Principal Priority of Payments on any Monthly Payment Date falling in the relevant Monthly Payment Period. (2) following enforcement of the Issuer Security, for the Master Issuer in respect of any Monthly Payment Period the sum calculated by or on behalf of the Issuer Security Trustee on the Distribution Date immediately preceding such Monthly Payment Period as the amount to be repaid by Funding 2 to the Master Issuer under the Global Intercompany Loan Agreement during the relevant Interest Periods and/or the sum otherwise recovered by the Issuer Security Trustee (or the receiver appointed on its behalf) representing the Principal Amount Outstanding of the Issuer Notes. 6 "Issuer Available Revenue Receipts" means, in respect of any Monthly Payment Period, the sum calculated by the Issuer Cash Manager on the Distribution Date immediately preceding such Monthly Payment Period equal to the sum of: (1) interest, fees and any other amount (including the amounts standing to the credit of the Issuer Expense Sub-Ledger but excluding principal) paid or allocated to be paid by Funding 2 on or prior to any Monthly Payment Date falling in the relevant Monthly Payment Period in respect of the Global Intercompany Loan; (2) other net income of the Master Issuer including all amounts of interest received on the Issuer GIC Account and the Issuer Transaction Accounts and/or any income from Authorised Investments (but excluding Swap Collateral (if any) standing to the credit of the Issuer Swap Collateral Account), in each case to be received on or prior to the first day of the relevant Monthly Payment Period; and (3) the amounts available to be drawn under the Issuer Reserve Fund, subject to any limits or conditions on the purposes for which the Issuer Reserve Fund may be utilised; For the avoidance of doubt, the Issuer Available Revenue Receipts shall not include any Swap Collateral standing to the credit of the Issuer Swap Collateral Accounts. "Issuer Bank Accounts" means the Issuer Transaction Accounts and the Issuer GIC Account and also includes any additional or replacement bank account opened in the name of the Master Issuer from time to time with the prior written consent of the Issuer Security Trustee and the Rating Agencies and "Issuer Bank Account" means any of them; "Issuer Bank Account Agreement" means the bank account agreement dated on or about the Funding 2 Programme Date between the Master Issuer, the Issuer Cash Manager, the Issuer Account Banks and the Issuer Security 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 Master Issuer from time to time in connection with the Issuer Notes; "Issuer Canadian Dollar Account" means the account of the Master Issuer (account number 11652311) held with Citibank, N.A., denominated in Canadian Dollars and maintained subject to the terms of the Issuer Bank Account Agreement and the Issuer Deed of Charge, or any additional or replacement account denominated in Canadian Dollars as may for the time being be in place with the prior consent of the Note Trustee; "Issuer Canadian Dollar Account Mandate" means the account mandate of the Master Issuer for the Issuer Canadian Dollar Account; "Issuer Cash Management Agreement" means the cash management agreement entered into on or about the Funding 2 Programme Date between the Issuer Cash Manager, the Master Issuer and the Issuer Security 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 Master Issuer from time to time in connection with the Issuer Notes; "Issuer Cash Management Services" means the services to be provided to the Master Issuer and the Issuer Security Trustee by the Issuer Cash Manager pursuant to the Issuer Cash Management Agreement; 7 "Issuer Cash Manager" means Northern Rock acting pursuant to the Issuer Cash Management Agreement as agent for the Master Issuer and the Issuer Security Trustee in managing all cash transactions and maintaining certain ledgers on behalf of the Master Issuer; "Issuer Cash Manager Termination Event" means any of the events specified in paragraphs (a) through (c) of Clause 11.1 of the Issuer Cash Management Agreement; "Issuer Charged Property" means the property, assets and undertakings of the Master 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 Issuer Security Trustee for itself and for the other Issuer Secured Creditors under the Issuer Deed of Charge or any other Issuer Transaction Document; "Issuer Conditions" or "Issuer Terms and Conditions" means the terms and conditions to be endorsed on the Issuer Notes, substantially in the form set out in Schedule 3 to the Issuer Trust Deed, as any of the same may be amended, varied or restated in accordance with the provisions of the Issuer Trust Deed, and any reference to a numbered Condition shall be construed accordingly; "Issuer Corporate Services Agreement" or "Corporate Services Agreement" means the corporate services agreement entered into on or about the Funding 2 Programme Date between, inter alia, the Issuer Corporate Services Provider, Holdings, the Issuer Post Enforcement Call Option Holder, the Master Issuer, Funding 2 and Northern Rock for the provision by the Issuer Corporate Services Provider of certain corporate services with respect to Holdings, the Issuer Post Enforcement Call Option Holder, Funding 2 and the Master 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 Issuer Transaction Documents; "Issuer Corporate Services Provider" or "Corporate Services Provider" means in relation to any of the Master Issuer, Funding 2, Holdings or the 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 Issuer Corporate Services Agreement; "Issuer Deed of Charge" means the deed of charge entered into on or about the Funding 2 Programme Date between, inter alios, the Master Issuer, the Note Trustee, the Issuer Security Trustee, the Issuer Corporate Services Provider, the Issuer Account Banks, the Issuer Cash Manager, the Principal Paying Agent and the other Agents appointed pursuant to the Issuer Paying Agent and Agent Bank Agreement; "Issuer Dollar Account" means the account of the Master Issuer (account number 10860263) held with Citibank, N.A., denominated in U.S. Dollars and maintained subject to the terms of the Issuer Bank Account Agreement and the 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; "Issuer Dollar Account Mandate" means the account mandate of the Master Issuer for the Issuer Dollar Account; "Issuer Enforcement Notice" means a notice served by the Note Trustee for the acceleration of the amounts outstanding in respect of the Issuer Notes and the enforcement of the Issuer Security following a Note Event of Default; 8 "Issuer Euro Account" means the account of the Master Issuer (account number 10861537) held with Citibank, N.A., denominated in Euro and maintained subject to the terms of the Issuer Bank Account Agreement and the 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; "Issuer Euro Account Mandate" means the account mandate of the Master Issuer for the Issuer Euro Account; "Issuer Event of Default" means a Note Event of Default; "Issuer Expense Sub-Ledger" means the sub-ledger of the Issuer Revenue Ledger relating to certain expenses of the Master Issuer; "Issuer GIC Account" means the account in the name of the Master Issuer held at Northern Rock and maintained subject to the terms of the Issuer Bank Account Agreement, the Issuer Deed of Charge, or any additional or replacement account as may for the time being be in place with the prior consent of the Issuer Security Trustee; "Issuer GIC Account Bank" means the Issuer GIC Provider or any other Authorised Entity appointed by the Master Issuer in accordance with the Issuer Transaction Documents; "Issuer GIC Account Mandate" means the account mandate of the Master Issuer for the Issuer GIC Account; "Issuer GIC Provider" means Northern Rock or any other person or persons as are for the time being the Issuer GIC Provider under the applicable Issuer Bank Account Agreement; "Issuer Income Deficit" means a deficit of the Issuer Available Revenue Receipts to pay items (A) through (M) of the Issuer Pre-Enforcement Revenue Priority of Payments as set forth in paragraph 1 of Schedule 2 of the Issuer Deed of Charge; "Issuer Ledgers" means the Issuer Revenue Ledger, the Issuer Principal Ledger, the Issuer Reserve Fund Ledger and the Swap Collateral Ledger and any other ledger required to be maintained pursuant to the Issuer Cash Management Agreement; "Issuer Master Definitions Schedule" means this master definitions schedule relating to the Master Issuer and the Issuer Transaction Documents signed for the purposes of identification by Sidley Austin Brown & Wood and Allen & Overy LLP on or about the Funding 2 Programme Date; "Issuer Note Principal Sub-Ledger" means the sub-ledger of the Issuer Principal Ledger on which the Issuer Cash Manager records Issuer Available Principal Receipts allocated to the repayment of principal on each Series and Class of Issuer Notes; "Issuer Note Revenue Sub-Ledger" the sub-ledger of the Issuer Revenue Ledger on which the Issuer Cash Manager records Issuer Available Revenue Receipts allocated to the payment of interest on each Series and Class of Issuer Notes; "Issuer Notes" means all of the Class A Notes, the Class B Notes, the Class M Notes, the Class C Notes and the Class D Notes of the Master Issuer or any of them as the context may require; "Issuer NR Sterling Account" means the account of the Master Issuer (account number 20070228/10020) held with Northern Rock plc, denominated in Sterling and maintained subject to the terms of the Issuer Bank Account Agreement and the Issuer Deed of Charge, or 9 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; "Issuer NR Sterling Account Mandate" means the account mandate of the Master Issuer for the Issuer NR Sterling Account; "Issuer Paying Agent and Agent Bank Agreement" means the paying agent and agent bank agreement to be entered into on or about the Funding 2 Programme Date between, inter alios, the Master Issuer, the Note Trustee, the Issuer Security 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; "Issuer Post-Enforcement Call Option Agreement" means the post-enforcement call option agreement to be entered into on or about the Funding 2 Programme Date between the Master Issuer, the Issuer Post-Enforcement Call Option Holder and the Note Trustee; "Issuer Post-Enforcement Call Option Holder" means GPCH Limited, a company incorporated with limited liability under the laws of England and Wales, registered number ###-###-####, or such other person or persons for the time being acting as post-enforcement call option holder under the Issuer Post-Enforcement Call Option Agreement or the Issuer Post-Enforcement Start-Up Loan Option Agreement, as applicable; "Issuer Post-Enforcement Priority of Payments" means the order of priority of payments in which Issuer Available Revenue Receipts, Issuer Available Principal Receipts and all other monies, income, receipts and recoveries of the Master Issuer or the Issuer Security Trustee or any Receiver will be applied following enforcement of the Issuer Security and as set out in Schedule 2 to the Issuer Deed of Charge; "Issuer Post-Enforcement Start-Up Loan Option Agreement" means the post-enforcement start-up loan option agreement to be entered into on or about the Funding 2 Programme Date between the Master Issuer, the Post-Enforcement Call Option Holder and the Issuer Start-Up Loan Provider; "Issuer Pre-Enforcement Revenue Priority of Payments" means the order of priority of payments in which the Issuer Available Revenue Receipts will be applied until enforcement of the Issuer Security as set out in Schedule 2 to the Issuer Deed of Charge; "Issuer Pre-Enforcement Principal Priority of Payments" means the order of priority of payments in which the Issuer Available Principal Receipts will be applied until enforcement of the Issuer Security as set out in Schedule 2 to the Issuer Deed of Charge; "Issuer Pre-Enforcement Priority of Payments" means, as applicable, any of the Issuer Pre-Enforcement Revenue Priority of Payments or the Issuer Pre-Enforcement Principal Priority of Payments; "Issuer Principal Ledger" means the ledger on which the Issuer Cash Manager records Issuer Available Principal Receipts received and paid out by the Master Issuer; "Issuer Principal Receipts" means, for any Monthly Payment Period, the principal amounts repaid by Funding 2 in respect of the Global Intercompany Loan in such Monthly Payment Period; "Issuer Priority of Payments" means, as applicable, any of the Issuer Pre-Enforcement Revenue Priority of Payments, the Issuer Pre-Enforcement Principal Priority of Payments or the Issuer Post-Enforcement Priority of Payments; 10 "Issuer Reserve Fund" means the reserve fund established in the name of the Master Issuer as required under the terms of the Global Intercompany Loan on the Funding 2 Programme Date in an amount not exceeding the Issuer Reserve Required Amount; "Issuer Reserve Ledger" means a ledger maintained by the Issuer Cash Manager to record the amount credited to the Issuer Reserve Fund and withdrawals and deposits in respect of the Issuer Reserve Fund; "Issuer Reserve Minimum Amount" means, as of any Date of Determination, on any date and subject to amendment, is the product of (a) one per cent. and (b) the aggregate Principal Amount Outstanding of the Issuer Notes (including Principal Amount Outstanding of Issuer Notes issued on such date); "Issuer Reserve Principal Payment" means, either: (a) prior to the occurrence of a Trigger Event, repayment of principal due and payable in respect of the Original Bullet Redemption Notes (which are Class A Notes); or (b) on or after the occurrence of a Trigger Event, repayment of principal due and payable in respect of the Original Bullet Redemption Notes (which are Class A Notes) on their respective final maturity dates only; "Issuer Reserve Required Amount" means, as of any Date of Determination, on any date and subject to amendment, the greater of: (a) the Issuer Reserve Minimum Amount; and (b) the Programme Reserve Required Amount less the amount standing to the credit of the Funding 2 Reserve Fund on such date (after taking account of amounts to be debited from and credited to the Funding 2 Reserve Fund on such date); "Issuer Revenue Ledger" means the ledger maintained by the Issuer Cash Manager pursuant to the Issuer Cash Management Agreement to record the Issuer Revenue Receipts standing to the credit of the Issuer Transaction Accounts from time to time; "Issuer Revenue Receipts" has the same meaning as "Issuer Available Revenue Receipts"; "Issuer Secured Creditors" means the Issuer Security Trustee (and any Receiver appointed pursuant to the Issuer Deed of Charge), the Note Trustee, the Issuer Swap Providers, any Start-Up Loan Provider, the Issuer Corporate Services Provider, each Issuer Account Bank, the Issuer Cash Manager, the Paying Agents, the Agent Bank, the Registrar, the Transfer Agent and the Noteholders and each New Issuer Secured Creditor who accedes to the Issuer Deed of Charge from time to time; "Issuer Secured Obligations" means any and all of the monies, obligations and liabilities and all other amounts, due, owing, payable or owed by it to the Issuer Secured Creditors under and pursuant to the Issuer Transaction Documents; "Issuer Security" means the security granted by the Master Issuer under or pursuant to the Issuer Deed of Charge in favour of the Issuer Security Trustee for the benefit of the Issuer Secured Creditors; "Issuer Security Trustee" means The Bank of New York acting through its office at 40th Floor, One Canada Square, London E14 5AL, or such other persons and all other persons for the time being acting as the issuer security trustee or issuer security trustees pursuant to the Issuer Deed of Charge; 11 "Issuer Start-Up Loan Provider" means Northern Rock, in its capacity as provider of the Start-Up Loan and/or such other person or persons for the time being the lender under the Start-Up Loan Agreement; "Issuer Sterling Account" means the account of the Master Issuer (account number 10860255) held with Citibank, N.A., denominated in Sterling and maintained subject to the terms of the Issuer Bank Account Agreement and the 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; "Issuer Sterling Account Mandate" means the account mandate of the Master Issuer for the Issuer Sterling Account; "Issuer Subscription Agreement" means an agreement supplemental to the Programme Agreement (by whatever name called) in or substantially in the form set out in the Programme Agreement or in such other form as may be agreed between the Master Issuer and the Dealers; "Issuer Swap Agreements" means the ISDA Master Agreements, schedules thereto and confirmations thereunder relating to the Issuer Swaps to be entered into on or about each Closing Date, and any credit support annexes or other credit support documents entered into at any time, as amended from time to time, among the Master Issuer, the applicable Issuer Swap Provider, the Issuer Security Trustee and/or any credit support provider and includes any additional and/or replacement Issuer Swap Agreement entered into by the Master Issuer from time to time in connection with the Issuer Notes; "Issuer Swap Collateral Accounts" means the accounts, if any, opened in the name of the Master Issuer for the purpose of holding Swap Collateral delivered to the Master Issuer and maintained in accordance with the Issuer Cash Management Agreement; "Issuer Swap Collateral Ancillary Documents" means any document (including, without limitation, any custodial agreement or bank account agreement but excluding the Issuer Swap Agreements, the Issuer Cash Management Agreement and the Issuer Deed of Charge) as may be entered into by the Master Issuer from time to time in connection with the Swap Collateral; "Issuer Swap Collateral Cash Account" means an account opened in the name of the Master Issuer form the purpose of holding Swap Collateral in cash and maintained in accordance with the terms of the Issuer Cash Management Agreement; "Issuer Swap Collateral Ledger" means the ledger and any sub-ledgers maintained by the Issuer Cash Manager in the books of the Master Issuer in accordance with Clause 4.7 (Swap Collateral) of the Issuer Cash Management Agreement; "Issuer Swap Collateral Securities Account" means a securities account opened in the name of the Master Issuer from the purpose of holding Swap Collateral in the form of securities and maintained in accordance with the terms of the Issuer Cash Management Agreement; "Issuer Swap Excluded Termination Amount" means, in relation to an Issuer Swap Agreement an amount equal to: (a) the amount of any Swap Termination Payment due and payable to the relevant Issuer Swap Provider as a result of a Swap Provider Default in relation to such Issuer Swap Provider, less 12 (b) the Swap Replacement Premium (if any) received by the Master Issuer upon entry by the Master Issuer into an agreement to replace such Issuer Swap Agreement which has terminated as a result of such Swap Provider Default; "Issuer Swap Providers" means the institutions identified in respect of each Issuer Swap in the Final Terms related to the relevant Series and Class of Issuer Notes; "Issuer Swaps" means the Swap Transactions which will entitle the Master Issuer to receive and pay amounts under the Global Intercompany Loan in Sterling and to receive and pay amounts under the Issuer Notes not denominated in Sterling in the applicable specified currency and/or which will hedge the Master Issuer's payment obligations against movements in interest rates where there is a possible difference between an interest rate applicable to amounts received by the Master Issuer under a Loan Tranche and the interest rate applicable to amounts to be paid by the Master Issuer in respect of the related Series and Class of Issuer Notes; "Issuer Transaction Accounts" means the day to day bank accounts of the Master Issuer, held with any of the Issuer Transaction Account Banks and comprising the Issuer Euro Account, the Issuer Sterling Account, the Issuer Dollar Account, the Issuer Canadian Dollar Account and the Issuer NR Sterling Account or any other account of the Master Issuer that may be opened, with the prior approval of the Note Trustee, after the Funding 2 Programme Date, and maintained subject to the terms of the Issuer Bank Account Agreement and the Issuer Deed of Charge; "Issuer Transaction Account Bank" means each bank at which an Issuer Transaction Account is maintained from time to time, being in respect of the Issuer Euro Account, the Issuer Sterling Account, the Issuer Canadian Dollar Account and the Issuer Dollar Account, Citibank, N.A., Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB, or any other Authorised Entity appointed by the Master Issuer in accordance with the Issuer Transaction Documents and, in respect of the Issuer NR Sterling Account, Northern Rock plc, Northern Rock House, Gosforth, Newcastle upon Tyne NE3 4PL, or any other Authorised Entity appointed by the Master Issuer in accordance with the Issuer Transaction Documents and "Issuer Transaction Account Banks" means all of them; "Issuer Transaction Account Mandate" means any of the Issuer Sterling Account Mandate, the Issuer NR Sterling Account Mandate, the Issuer Dollar Account Mandate, the Issuer Canadian Dollar Amount Mandate and Issuer Euro Account Mandate; "Issuer Transaction Document" means any of the following documents: (a) each Issuer Subscription Agreement; (b) each Issuer Underwriting Agreement; (c) the Issuer Deed of Charge; (d) each Issuer Swap Agreement; (e) the Issuer Trust Deed and each supplemental trust deed supplemental thereto, and any other trust deed constituting any Issuer Note at any time; (f) the Issuer Paying Agent and Agent Bank Agreement; (g) the Issuer Cash Management Agreement; (h) the Issuer Post-Enforcement Call Option Agreement; 13 (i) the Issuer Post-Enforcement Start-Up Loan Option Agreement; (j) the Issuer Bank Account Agreement; (k) the Issuer Notes; (l) the Issuer Corporate Services Agreement; (m) the Issuer Start-Up Loan Agreement; (n) the Global Intercompany Loan Agreement and each Loan Tranche advanced thereunder; (o) any Swap Collateral Ancillary Document; and (p) each other document entered into or to be entered into by the Master Issuer pursuant to or in connection with any of the above documents (including each document under which the Master Issuer assumes any obligations to any New Issuer Secured Creditor and any agreement entered into by the Master Issuer as a replacement of any of the above agreements upon the termination thereof); "Issuer Trust Deed" means the trust deed entered into on or about the Funding 2 Programme Date between the Master Issuer and the Note Trustee constituting the Issuer Notes; "Issuer Underwriting Agreement" means the underwriting agreement relating to the sale of a Series or Class of US Notes among the Master Issuer and the Underwriters designated therein; "Lead Managers" means the institutions specified in the Final Terms relating to any Series and Class of Issuer Notes; "LIBOR" means the London Interbank Offered Rate for deposits in the relevant currency, as determined by the Agent Bank in accordance with the Issuer Paying Agent and Agent Bank Agreement; "Listed Notes" means each Series and Class of Issuer Notes which are admitted to the Official List and admitted to trading on the Market; "Loan Tranches" means the AAA Loan Tranches, the AA Loan Tranches, the A Loan Tranches, the BBB Loan Tranches and the BB Loan Tranches, being the advances made by the Master Issuer to Funding 2, pursuant to the Global Intercompany Loan Agreement, each being funded from proceeds received by the Master Issuer from the issue of a Series and Class of Issuer Notes; "Loan Tranche Supplement" means, in relation to any Loan Tranche, the document between, amongst others, Funding 2 and the Master Issuer recording the principal terms of such Loan Tranche; "Mandate" means any of the Issuer Transaction Account Mandates or the Issuer GIC Account Mandate and together, the "Mandates"; "Margin" means in respect of any Series and Class of Issuer Notes, the amount specified as such in the applicable Final Terms; "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 14 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; "Master Issuer" means Granite Master Issuer plc, a company incorporated with limited liability under the laws of England and Wales, registered number ###-###-####; "New Issuer Secured Creditor" means each person who enters into a deed of accession to the Issuer Deed of Charge at any time; "Note Certificates" means the Global Note Certificates and the Individual Note Certificates; "Note Event of Default" means, in relation to the Master Issuer, an event of default under the provisions of the Issuer Notes 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; "Note Principal Payment" means the amount of each principal payment payable on each Issuer Note; "Note Trustee" means The Bank of New York, acting through its office at 40th Floor, One Canada Square, London E14 5AL, or such other person for the time being acting as Note Trustee under the Issuer Trust Deed; "Noteholders" means, in relation to the Issuer Notes, the holders of the Class A Notes, the Class B Notes, the Class M Notes, the Class D Notes of any Series or any of them and in relation to Notes issued by any other Issuer, the holders for the time being of such Notes; "Notes" means, in relation to the Master Issuer, the 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 Issuer Notes, Condition 14 of the Issuer Notes and, in the case of Notes issued by any other Issuer, the relevant equivalent Condition of such Notes; "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 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 Master Issuer or to an affiliate of the Master 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 Issuer Trust Deed if and to the extent required by the provisions hereof; "Original Bullet Loan Tranche" means a Loan Tranche which has, at any time, been a Bullet Loan Tranche, whether or note the Step-Up Date in respect of such Loan Tranche has occurred; "Original Bullet Redemption Note" means an Issuer Note which has, at any time been a Bullet Redemption Note, whether or not the Step-Up Date in respect of such Issuer Note has occurred; "Pass-Through Loan Tranche" means a Loan Tranche which has no specified repayment dates other than a Final Repayment Date. On the occurrence of a date specified for a Bullet Loan Tranche, a Scheduled Repayment Loan Tranche or a Controlled Repayment Loan 15 Tranche in the applicable Loan Tranche Supplement or if a Step-Up Date in relation to such Loan Tranche occurs or if a Pass-Through Trigger Event occurs, then such Loan Tranche will be deemed to be a Pass-Through Loan Tranche; "Paying Agent and Agent Bank Agreement" means, in relation to the Master Issuer, the Issuer Paying Agent and Agent Bank Agreement and 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 Issuer Paying and Agent Bank Agreement or, if applicable, any successor paying agents; "Potential Issuer Event of Default" has the same meaning as "Potential Note Event of Default"; "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 Note Event of Default; "Preliminary Prospectus" means, in relation to the Issuer Notes, the preliminary prospectus dated 7 January 2005 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; "Preliminary Reg S Prospectus" means (a) in relation to the Issuer Notes, the preliminary base prospectus relating to the Reg S Notes and (b) 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; "Principal Amount Outstanding" in relation to the Issuer Notes, has the meaning set out in Condition 5(C) of the 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 Issuer Notes, Citibank, N.A., whose principal office is Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB, in its capacity as principal paying agent at its specified office initially appointed as a principal paying agent pursuant to the Issuer Principal Paying and Agent Bank Agreement or, if applicable, any successor principal paying agent at its specified office; "Programme Agreement" means the agreement entered into on or around the Funding 2 Programme Date, as amended from time to time, between the Master Issuer, Funding 2 and the dealers named therein (or deemed named therein); "Programme Master Definitions Schedule" means the programme master definitions schedule dated on or about 19 January 2005, signed for the purposes of identification by Sidley Austin Brown & Wood and Allen & Overy LLP; "Programme Reserve Required Amount" means as of any date of determination, an amount calculated as the product of (a) the Programme Reserve Required Percentage and (b) the aggregate outstanding principal balance of all Loan Tranches outstanding under the Global Intercompany Loan Agreement (including the Principal Amount Outstanding of any Loan Tranche) (or the increase in the Principal Amount Outstanding of any existing Loan Tranche) that is made on such date); 16 "Programme Reserve Required Percentage" means on any date, the percentage specified as such (subject to amendment) in the most recent Final Terms; "Programme Resolution" means an extraordinary resolution of the Noteholders of any Class of Issuer Notes to direct the Note Trustee to take any enforcement action pursuant to the Conditions; "Programme" means the asset-backed note programme established by or otherwise contemplated in the Programme Agreement and the Issuer Trust Deed; "Prospectus" means, in relation to the Issuer Notes, the prospectus dated on or about 19 January 2005 relating to the issue of US Notes as supplemented by the Prospectus Supplement relating to each Series and Class of Issuer 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 Issuer Trust Deed; "Rate of Interest" means, in relation to any Series and Class of Issuer Notes, the rate or rates (expressed as a percentage per annum) on interest payable in respect of such Issuer Notes specified in the applicable Final Terms or calculated and determined in accordance with the applicable Final Terms, 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 Issuer 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; "Reference Lenders" has the meaning given to it in the Basis Rate Swap Agreement; "Reference Rate" means in respect of any Series and Class of Issuer Notes, the price specified as such in the applicable Final Terms; "Reg S" means Regulation S under the United States Securities Act of 1933, as amended; "Reg S Global Note Certificates" means the note certificates representing the Reg S Notes while in global form; "Reg S Individual Note Certificate" means the note certificates representing the Reg S Notes in definitive form; "Reg S Notes" means, the Issuer Notes admitted to the Official List and admitted to trading on the Market (but not including the US Notes); "Reg S Prospectus" means (a) in relation to the Issuer Notes, has the meaning given to that term in the Programme Master Definitions Schedule and (b) in relation to Notes issued by any 17 other Issuer, means the offering circular relating to the Reg S Notes issued by such Issuer including, in each case, the Prospectus attached thereto; "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 Issuer Notes, means Citibank, N.A., acting through its office at Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB appointed initially pursuant to the Issuer Paying Agent and Agent Bank Agreement or, if applicable, any successor registrar at its specified office, and procured by the Master Issuer to maintain the Register; "Registration Statement" means the registration statement on Form S-11 (No. 333-119671) as filed with the SEC; "Regulation S Legend" has the meaning given to it in Section 16 of Schedule 2 to the 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 Issuer Paying Agent and Agent Bank Agreement; "Relevant Deposit Amount" means the sum of the following: (a) either: (i) prior to the Step-Up Date in respect of any Issuer Notes (pursuant to the terms and conditions thereof) or if the Step-Up Date has occurred in respect of any Issuer Notes (pursuant to the Terms and Conditions thereof) and the option to redeem any Issuer Notes has been exercised by the Master Issuer, an amount equal to the aggregate of: the Funding Share of the Trust Property (as most recently calculated)/the Funding Share of the trust Property on the relevant Closing Date x the outstanding balance in the Funding Reserve Fund plus the outstanding balance in the Funding (Issuer) Reserve Fund (as most recently calculated); and the Funding 2 Share of the Trust Property (as most recently calculated)/the Funding 2 Share of the Trust Property on the relevant Closing Date x the outstanding balance in the Issuer Reserve Fund (as most recently calculated); or (ii) if the Master Issuer does not exercise its option to redeem its Issuer Notes on the relevant Step-Up Date pursuant to the Terms and Conditions thereof, an amount equal to the aggregate of: the Funding Share of the Trust Property (as most recently calculated)/the Funding Share of the Trust Property on the relevant Closing Date x the outstanding balance in the Funding Reserve Fund plus the outstanding balance in the Funding (Issuer) Reserve Fund (as most recently calculated) x 2; and 18 the Funding 2 Share of the Trust Property (as most recently calculated)/the Funding 2 Share of the Trust Property on the relevant Closing Date x the outstanding balance in the Funding 2 Reserve Fund plus the outstanding balance in the Issuer Reserve Fund (as most recently calculated) x 2; (b) any amounts standing to the credit of the Funding GIC Account and the Funding 2 GIC Account which will be applied on the next following date on which amounts are due under any Funding Intercompany Loan or any Funding 2 Intercompany Loan which in turn will result in any notes having ratings of "AAA", "AA" or "A-1+" from Standard &Poor's to be redeemed in whole or in part; (c) any amounts standing to the credit of the Mortgages Trustee GIC Account which will be distributed to Funding and/or Funding 2 on the next following Distribution Date and which will be applied by Funding and/or Funding 2 on the next following date on which amounts are due under any Funding Intercompany Loan or any Funding 2 Intercompany Loan which in turn will result in any Issuer Notes having ratings of "AAA", "AA" or "A-1+" from Standard & Poor's to be redeemed in whole or in part; and (d) any other amounts standing to the credit of accounts maintained by the Mortgages Trustee, Funding, Funding 2 or the Master Issuer with a bank and which would otherwise be required by Standard & Poor's to be rated "A-1+"; less any amounts invested in Authorised Investments or maintained in accounts at a bank rated at least "A-1+" by Standard & Poor's; "Relevant Note" has the meaning specified in Schedule 4 to the Issuer Trust Deed; "Relevant Screen Page" means in respect of any Series and Class of Issuer Notes, the screen page specified as such in the applicable Final Terms; "Representative" has the meaning specified in Schedule 4 to the Issuer Trust Deed; "Scheduled Repayment Dates" for any Scheduled Repayment Loan Tranche means the Monthly Payment Dates specified as such for such Loan Tranche set out in the applicable Loan Tranche Supplement; "Scheduled Repayment Loan Tranche" means any Loan Tranche scheduled to be repaid in full in two or more instalments on Scheduled Repayment Dates. Scheduled Repayment Loan Tranches will be deemed to be Pass-Through Loan Tranches if: (a) a date specified in relation to the same in the applicable Loan Tranche Supplement occurs; (b) a Pass-Through Trigger Event occurs; (c) the Step-Up Date (if any) in relation to such Loan Tranche occurs; "SEC" means The United States Securities and Exchange Commission; "Security Documents" means the Issuer Deed of Charge, the Funding 2 Deed of Charge and each Deed of Accession entered into pursuant to the Issuer Deed of Charge and the Funding 2 Deed of Charge and any other security document entered into pursuant to any of the foregoing; 19 "Series" means all classes of Issuer Notes issued on a given day and any class of Issuer Notes issued on any other day which: (a) is expressed to be consolidated; and (b) is identical in all respects (including as to listing) except for Closing Date, Interest Commencement Date and issue price with any class of Issuer Notes issued on such given day; "Series and Class" means a particular class of Issuer Notes of a given Series; "Specified Currency" has the meaning given to it in the relevant Final Terms; "Specified Currency Exchange Rate" means in relation to a Series and Class of Issuer Notes, the exchange rate specified in the Issuer Swap Agreement relating to such Series and Class of Issuer Notes or, if the Issuer Swap Agreement has been terminated, the applicable spot rate; "Specified Denomination" means, in respect of any Series and Class of Issuer Notes, the denomination specified as such in the applicable Final Terms; "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 Issuer Paying Agent and Agent Bank Agreement or such other specified notice as may be notified to the Master Issuer and the Note Trustee pursuant to the Issuer Paying Agent and Agent Bank Agreement; "Start-Up Loan" means the start-up loan that the Start-Up Loan Provider shall make available to the Master Issuer pursuant to the Start-Up Loan Agreement; "Start-Up Loan Agreement" means the agreement entered into on or about the Funding 2 Programme Date between the Master Issuer, the Issuer Start-Up Loan Provider and the Issuer Security Trustee relating to the provision of the Start-Up Loan to the Master Issuer; "Start-Up Loan Tranche" or "Start-Up Loan Tranches" means each loan made by a Start-Up Loan Provider to the Master Issuer under a Start-Up Loan Agreement, and collectively, the "Start-Up Loans"; "Step-up Date" means in respect of any Loan Tranche and the related Series and Class of Issuer Notes, the Monthly Payment Date in respect of a Series and Class of Issuer Notes on which the interest rate on those Issuer Notes increases by a predetermined amount following the payment made by Funding 2 or the Master Issuer, as applicable, on such Monthly Payment Date, which date for any Loan Tranche will be specified in the Loan Tranche Supplement, and for any Series and Class of Issuer Notes, will be specified in the applicable Pricing Supplement or after 1 July 2005 Final Terms, for the relevant Issuer Notes; "Swap Collateral" means, at any time, any asset (including without limitation, Cash and/or securities) which is paid or transferred by an Issuer Swap Provider to, or held by, the Master Issuer or to Funding 2, as applicable, as collateral to secure the performance by such Issuer Swap Provider of its obligations under the relevant Issuer Swap Agreement together with any income or distributions received in respect of such asset (if the Master Issuer or Funding 2, as applicable, is entitled to retain the same); "Swap Early Termination Event" means a circumstance in which some or all swap transactions (as the case may be) under a Swap Agreement can be terminated before their respective scheduled termination dates; "Swap Provider Default" means the occurrence of: 20 (a) an Event of Default (as defined in the relevant Issuer Swap Agreement) where the relevant Issuer Swap Provider is the Defaulting Party (as defined in the relevant Issuer Swap Agreement); or (b) an Additional Termination Event (as defined in the relevant Issuer Swap Agreement) as a result of the failure by the relevant Issuer Swap Provider to remedy a Swap Downgrade Event in accordance with the relevant Issuer Swap Agreement where the relevant Issuer Swap Provider is the Sole Affected Party (as defined in the relevant Issuer Swap Agreement); or (c) the Additional Tax Representation (as defined in the relevant Issuer Swap Agreement) proves to be incorrect or misleading in any material respect as a result of any action, and/or any omission to take any action by the relevant swap provider which could have prevented such breach of the additional tax representation; "Swap Replacement Premium" means any payment received from a replacement swap providers upon entry into an agreement with such replacement swap provider replacing a Swap Agreement; "Swap Termination Payment" means the amount payable because of a Swap Early Termination Event; "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); "Transaction Document" means any of the following documents: (a) the Programme Agreement; (b) the Mortgages Trust Deed; (c) the Controlling Beneficiary Deed; (d) the Mortgage Sale Agreement; (e) each Deed of Accession to the Funding 2 Deed of Charge (including, for the avoidance of doubt, the Supplemental Deed to the Funding 2 Deed of Charge); (f) the Funding 2 Deed of Charge; (g) each Funding 2 Basis Rate Swap Agreement; (h) the Administration Agreement; (i) the Cash Management Agreement; (j) the Mortgages Trustee Guaranteed Investment Contract; (k) the Bank Account Agreement; (l) the Funding 2 Bank Account Agreement; (m) the Stand-By Bank Account Agreement; 21 (n) the Collection Bank Agreement; (o) the Master Definitions Schedule; (p) the Programme Master Definitions Schedule; (q) the Seller (Mortgages Trust) Assignment Agreement; (r) each Start-Up Loan Agreement; (s) the Corporate Services Agreement; (t) the Issuer Transaction Documents; and (u) any other deeds of accession or supplemental deeds relating to any such documents.] "Transfer Agent" means Citibank, N.A., acting through its Specified Office at Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB, and initially appointed by the Master Issuer under the Issuer Paying Agent and Agent Bank Agreement to administer the transfer of Issuer Notes, or such other person for the time being acting as Transfer Agent under the Issuer Paying Agent and Agent Bank Agreement; "Treaty Lender" means a person who: (i) is treated as a resident of a Treaty State for the purposes of the Treaty; and (ii) does not carry on a business in the United Kingdom through a permanent establishment with which that person's participation in the Issuer Start-Up Loan is effectively connected; "Treaty State" means a jurisdiction having a double taxation treaty (a "Treaty") with the United Kingdom which makes provision for full exemption from tax imposed by the United Kingdom on interest; "Trust Deed" means, in relation to the Master Issuer, the Issuer Trust Deed; "Trustee Acts" means both the Trustee Act 1925 and the Trustee Act 2000 of England and Wales; "Underwriters" means, the institutions specified in the Prospectus Supplement relating to any Series and Class of Notes; "US Global Note Certificates" means the Global Note Certificates relating to a Series and Class of US Notes; "US Individual Note Certificates" means the Individual Note Certificates relating to a Series and Class of US Notes; "US Notes" means, any Series of the Class A, Class B, Class M and Class C Notes which are registered in the United States under the Securities Act; "US Paying Agent" means Citibank N.A. acting through its New York office as paying agent in the United States of America, initially appointed as US paying agent pursuant to the Issuer Paying Agent and Agent Bank Agreement or if applicable, any successor US paying agent; and 22 "Zero Coupon Note" means an Issuer Note, the interest basis of which is specified in the applicable Note Supplement as being zero coupon; 2. Interpretation and Construction 2.1 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; 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; "disposal" shall be construed as any sale, lease, transfer, conveyance, assignment, assignation, licence, sub-licence or other disposal and "dispose" shall 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 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; 23 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. 2.2 "(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$", "US dollars", "dollars" or "Dollars" denotes the lawful currency for the time being of the United States of America; "Canadian Dollars" or "CAN$" denotes the lawful currency for the time being of Canada. 2.3 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; (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. 2.4 Save as provided otherwise, where any obligation in a Transaction Document is owed to more 24 than one party that obligation is owed to each of them separately and may be enforced by any of them. 2.5 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. 25 SCHEDULE 1 STANDARD DOCUMENTATION 26
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 Once Your DEV 93 From 19 Jun 1995 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 Once Your DEV 93 From 1 Sep 1996 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 - --------------------------------------------------------------------------------------------------------------------------- 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 - --------------------------------------------------------------------------------------------------------------------------- 27 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- A21 Hard to Beat - Keeping the Benefits Once Your MAR 9 From 1 Oct 1997 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 16.6.99 From 16 Jun 1999 to Jan 2000 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- 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 - --------------------------------------------------------------------------------------------------------------------------- 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 - --------------------------------------------------------------------------------------------------------------------------- 28 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- A43 Be straight with me - Mortgage costs in black and MAR 244/9815 From 4 Mar 2000 to Apr 2000 white 4.3.2000 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A44 Safe & Sure - Keeping the Benefits Once Your MAR 9/9895 From 14 Mar 2000 Mortgage Ends 14.3.2000 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A45 Be straight with me - Mortgage costs in black and MAR 244/10029 From 27 Apr 2000 to Jan 2001 white 27.4.2000 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A46 Give me the facts - Mortgage details explained MAR 235/9666 and From 1 May 2000 to Oct 2000 Northern Rock plc 5.2000 - --------------------------------------------------------------------------------------------------------------------------- A47 Give me a choice - Mortgage deals to suit everyone MAR 236/10198 and From 28 Jun 2000 to Aug 2000 Northern Rock plc 28.6.2000 - --------------------------------------------------------------------------------------------------------------------------- A48 Give me a choice - Mortgage deals to suit everyone MAR 236/10332 From 4 Aug 2000 Northern Rock plc 4.8.2000 - --------------------------------------------------------------------------------------------------------------------------- A49 Give me the facts - Mortgage details explained MAR 235/10554 and From Oct 2000 to Jan 2001 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 in black and MAR 244/10868 From 10 Jan 2001 to Feb 2001 white 10.1.2001 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A52 Be straight with me - Mortgage costs in black and MAR 244/10998 From 8 Feb 2001 to Apr 2001 white 8.2.2001 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A53 Be straight with me - Mortgage costs in black and MAR 244/11170 From 5 Apr 2001 to May 2001 white 5.4.2001 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A54 Be straight with me - Mortgage costs in black and MAR 244/11281 From 10 May 2001 to Aug 2001 white 10.5.2001 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A55 Be straight with me - Mortgage costs in black and MAR 244/11592 From 2 Aug 2001 to Sep 2001 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 in black and MAR 244/11592 From 3 Sep 2001 to Sep 2001 white 3.9.2001 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A58 Be straight with me - Mortgage costs in black and MAR 244/11807 From 19 Sep 2001 to Oct 2001 white 19.9.2001 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A59 Be straight with me - Mortgage costs in black and MAR 244/11855 From 4 Oct 2001 to Nov 2001 white 4.10.2001 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A60 Be straight with me - Mortgage costs in black and MAR 244/11973 From 8 Nov 2001 white 8.11.2001 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- 29 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- 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 and MAR 244/12486 From 1 Apr 2002 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 and MAR 244/12539 From 9 May 2002 white 9.5.2002 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A67 Be straight with me - Mortgage costs in black and MAR 244/12859 From 26 Jul 2002 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 guarantees - MAR 617/13070 From 10 Oct 2002 Mortgages Guaranteed Repayment 10.10.2002 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A70 Be straight with me - Mortgage costs in black and MAR 244/12123 From 10 Oct 2002 white 10.10.2002 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A71 Hard to Beat - Keeping the Benefits Once Your MAR 9 From 1 Oct 1997 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 benefits once MAR 9/12337 Valid until further notice 1.2.2003 your mortgage is paid off 1.3.2003 - --------------------------------------------------------------------------------------------------------------------------- A78 Mortgage Deals to Suit Everyone - Update 18 June 2003MAR 236 Valid until further notice - 18.6.2003 18.6.2003 - --------------------------------------------------------------------------------------------------------------------------- A79 I want a Shorter Mortgage, and I want Guarantees MAR 617/13538 Valid until further notice - 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 - --------------------------------------------------------------------------------------------------------------------------- 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 - No. 6 MAR 035 Valid until further notice - 18.6.2003 18.6.2003 - --------------------------------------------------------------------------------------------------------------------------- 30 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- 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 14 MAR 236 Valid until further notice - 14.7.2003 July 2003 14.7.2003 - --------------------------------------------------------------------------------------------------------------------------- A85 I want a Shorter Mortgage, and I want Guarantees MAR 617/14008 Valid until further notice - 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 - No. 7 MAR 035/14031 Valid until further notice - 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 - MAR 236 Valid until further notice - 25.7.2003 Update 25 July 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 - No. 8 MAR 035/14031 Valid until further notice - 25.7.2003 25.7.2003 - --------------------------------------------------------------------------------------------------------------------------- A94 Mortgage Deals to Suit Everyone - Update 8 August MAR 236 Valid until further notice - 8.8.2003 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 - No. 9 MAR 035/14104 Valid until further notice - 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 I want a shorter mortgage and I want guarantees MAR 617/13538 Valid until further notice 8.2.2003 - --------------------------------------------------------------------------------------------------------------------------- A100 I want to plan ahead - Secured Loans with a MAR 125/13519 Valid until further notice 7.2.2003 Fixed Rate - --------------------------------------------------------------------------------------------------------------------------- A101 Secured Loan Costs in Black and White MAR 4/13517 Valid until further notice 8.2.2003 - --------------------------------------------------------------------------------------------------------------------------- A102 I want to buy to let MAR 466/13500 Valid until further notice 8.2.2003 - --------------------------------------------------------------------------------------------------------------------------- A103 What's it going to cost? MAR 302 Valid until further notice 24.2.2003 - --------------------------------------------------------------------------------------------------------------------------- A104 What's it going to cost? MAR 302 Valid until further notice 1.4.2003 - --------------------------------------------------------------------------------------------------------------------------- A105 I want to buy to let MAR 466/13684 Valid until further notice 1.4.2003 - --------------------------------------------------------------------------------------------------------------------------- A106 Mortgage Deals to suit everyone - Update - MAR 236 Valid until further notice 1.4.2003 1 Apr 2003 - --------------------------------------------------------------------------------------------------------------------------- A107 Mortgage Costs in Black and White MAR 244/13830 Valid until further notice 20.5.2003 - --------------------------------------------------------------------------------------------------------------------------- A108 Mortgage Deals to suit everyone -Update - MAR 236 Valid until further notice 20.5.2003 20 May 2003 - --------------------------------------------------------------------------------------------------------------------------- A109 What's it going to cost? MAR 302 Valid until further notice 20.5.2003 - --------------------------------------------------------------------------------------------------------------------------- A110 I want to buy to let MAR 466/13832 Valid until further notice 20.5.2003 - --------------------------------------------------------------------------------------------------------------------------- 31 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- A111 I want a shorter mortgage and I want guarantees MAR 617/13538 Valid until further notice 20.5.2003 - --------------------------------------------------------------------------------------------------------------------------- A112 Intermediaries - Mortgage Product Update No. 10 MAR 035/14201 Valid 9 Sep 2003 - --------------------------------------------------------------------------------------------------------------------------- A113 Mortgage Deals to Suit Everyone - Update 9th MAR 236 Valid until further notice September 2003 9 Sep 2003 - --------------------------------------------------------------------------------------------------------------------------- A114 Intermediaries - Mortgage Product Update No. 11 MAR 035/14374 Valid 14 Oct 2003 - --------------------------------------------------------------------------------------------------------------------------- A115 Mortgage Deals to Suit Everyone - Update 14th MAR 236 Valid until further notice October 2003 14 Oct 2003 - --------------------------------------------------------------------------------------------------------------------------- A116 Mortgage Costs in Black and White MAR 244/14379 Valid until further notice 14 Oct 2003 - --------------------------------------------------------------------------------------------------------------------------- A117 Mortgage costs in black and white Northern MAR 690/14451 Valid until further notice Rock plc 14 Oct 2003 - --------------------------------------------------------------------------------------------------------------------------- A118 Mortgage Deals to Suit Everyone - Update 14th MAR 236 Valid until further notice October 2003 14 Oct 2003 - --------------------------------------------------------------------------------------------------------------------------- A119 Home Equity Release - All you need to know about MAR 329/14399 Valid until further notice Home Equity Release Mortgages 14 Oct 2003 - --------------------------------------------------------------------------------------------------------------------------- A120 Home Equity Release - All you need to know about MAR 329/14560 Valid until further notice Home Equity Release Mortgages 17 Nov 2003 - --------------------------------------------------------------------------------------------------------------------------- A121 A Guide to your Mortgage Statement Northern MAR 702/14552 Valid until further notice Rock plc 17 Nov 2003 - --------------------------------------------------------------------------------------------------------------------------- A122 Mortgage costs in black and white Northern Rock plc MAR 244/14565 Valid until further notice 17 Nov 2003 - --------------------------------------------------------------------------------------------------------------------------- A123 Keep the benefits once your mortgage is paid off MAR 9/14105 Valid until further notice Northern Rock plc 17 Nov 2003 - --------------------------------------------------------------------------------------------------------------------------- A124 Mortgage Deals to Suit Everyone - Update 17th MAR 236 Valid until further notice November 2003 17 Nov 2003 - --------------------------------------------------------------------------------------------------------------------------- A125 All you need to know about Mortgages Northern Rock MAR 235/14462 Valid until further notice plc 1 Dec 2003 - --------------------------------------------------------------------------------------------------------------------------- A126 Mortgage costs in black and white Northern Rock plc MAR 244/14638 Valid until further notice 9 Dec 2003 - --------------------------------------------------------------------------------------------------------------------------- A127 Mortgage costs in black and white Northern Rock plc MAR 244/14709 Valid until further notice 17 Dec 2003 - --------------------------------------------------------------------------------------------------------------------------- A128 Mortgage Deals to Suit Everyone - Update 17th MAR 236 Valid until further notice December 2003 17 Dec 2003 - --------------------------------------------------------------------------------------------------------------------------- A129 Home Equity Release - A Cash Lump Sum or Monthly MAR 328/14598 Valid until further notice Cash Release Dec 2003 - --------------------------------------------------------------------------------------------------------------------------- A130 Fees and Charges - Mortgages Northern Rock plc MAR 713/14719 Valid from 1 Jan 2004 - --------------------------------------------------------------------------------------------------------------------------- A131 Home Equity Release - All you need to know about MAR 329/14827 Valid until further notice 20 Jan 2004 Home Equity Release Mortgages - --------------------------------------------------------------------------------------------------------------------------- A132 Home Equity Release - You've looked after your home. MAR 503/14700 Feb 2004 Now let it look after you. - --------------------------------------------------------------------------------------------------------------------------- A133 Home Equity Release - Product Detail Summary MAR 545 Feb 2004 - --------------------------------------------------------------------------------------------------------------------------- A134 Home Equity Release - All you need to know about MAR 329/14973 Valid until further notice 16 Feb 2004 Home Equity Release Mortgages - --------------------------------------------------------------------------------------------------------------------------- 32 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- A135 Mortgage Deals to Suit Everyone - Update 16th MAR 236 Valid until further notice 16 Feb 2004 February 2004 - --------------------------------------------------------------------------------------------------------------------------- A136 All you need to know about Mortgages Northern Rock MAR 235/1484 Valid until further notice 26 Feb 2004 plc - --------------------------------------------------------------------------------------------------------------------------- A137 Mortgage Deals to Suit Everyone - Update 9th March MAR 693 Valid until further notice 9 Mar 2004 2004 - --------------------------------------------------------------------------------------------------------------------------- A138 Mortgage Deals to Suit Everyone - Update 25th March MAR 236 Valid until further notice 25 Mar 2004 2004 - --------------------------------------------------------------------------------------------------------------------------- A139 Home Equity Release - A Cash Lump Sum or Monthly MAR 726/15148 Valid until further notice Apr 2004 Cash Release - --------------------------------------------------------------------------------------------------------------------------- A140 Mortgage Deals to Suit Everyone - Update 16th April MAR 693 Valid until further notice 16 Apr 2004 2004 - --------------------------------------------------------------------------------------------------------------------------- A141 Mortgage Deals to Suit Everyone - Update 21 April MAR 693 Valid until further notice 21 Apr 2004 2004 - --------------------------------------------------------------------------------------------------------------------------- A142 I want more from you Northern Rock plc MAR 621/15340 Valid until further notice May 2004 - --------------------------------------------------------------------------------------------------------------------------- A143 All you need to know about Mortgages Northern Rock MAR 235/13729 Valid until further notice 1 May 2004 plc - --------------------------------------------------------------------------------------------------------------------------- A144 You've looked after your home. Now let it look MAR 494/11889 No date after you. Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- A145 Mortgage deals to suit everyone MAR 693 7 May 2004 - --------------------------------------------------------------------------------------------------------------------------- A146 Secured loans costs in black and white MAR 4/15459 Valid until further notice 12 May 2004 - --------------------------------------------------------------------------------------------------------------------------- A147 I just want to be sure MAE 8/14450 Valid until further notice May 2004 - --------------------------------------------------------------------------------------------------------------------------- A148 Mortgage costs in black and white MAR 690/15807 Valid until further notice 12 May 2004 - --------------------------------------------------------------------------------------------------------------------------- A149 Mortgage deals to suit everyone MAR 693 12 May 2004 - --------------------------------------------------------------------------------------------------------------------------- A150 Mortgage deals to suit everyone MAR 236 2 Jun 2004 - --------------------------------------------------------------------------------------------------------------------------- A151 Mortgage deals to suit everyone MAR 694 2 Jun 2004 - --------------------------------------------------------------------------------------------------------------------------- A152 I just want to be sure MAE 741/15511 Valid until further notice Jun 2004 - --------------------------------------------------------------------------------------------------------------------------- A153 Secured loans costs in black and white MAR 4/15459 Valid until further notice 9 Jun 2004 - --------------------------------------------------------------------------------------------------------------------------- A154 Mortgage costs in black and white MAR 244/15685 Valid until further notice 22 Jun 2004 - --------------------------------------------------------------------------------------------------------------------------- A155 Secured loans with a fixed rate MAR 125/15573 Valid until further notice Jun 2004 - --------------------------------------------------------------------------------------------------------------------------- A156 It'll never happen to me MAR 742/1511 Jun 2004 - --------------------------------------------------------------------------------------------------------------------------- A157 Mortgage deals to suit everyone MAR 236 22 Jun 2004 - --------------------------------------------------------------------------------------------------------------------------- A158 Mortgage costs in black and white MAR 690/15877 Valid until further notice 22 Jun 2004 - --------------------------------------------------------------------------------------------------------------------------- A159 Mortgage deals to suit everyone MAR 693 22 Jun 2004 - --------------------------------------------------------------------------------------------------------------------------- A160 Secured loan costs in black and white MAR 4/15704 Valid until further notice 1 Jul 2004 - --------------------------------------------------------------------------------------------------------------------------- A161 Mortgage costs in black and white MAR 690/15988 Valid until further notice 9 Jul 2004 - --------------------------------------------------------------------------------------------------------------------------- A162 Mortgage deals to suit everyone MAR 693 Valid until further notice 9 Jul 2004 - --------------------------------------------------------------------------------------------------------------------------- A163 Mortgage deals to suit everyone - Update 16th MAR 236 Valid until further notice 9 Jul 2004 August 2004 - --------------------------------------------------------------------------------------------------------------------------- 33 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- A164 Mortgage deals to suit everyone MAR 236 Valid until further notice 9 Jul 2004 - --------------------------------------------------------------------------------------------------------------------------- A165 Mortgage deals to suit everyone - Update 16th MAR 236 Valid until further notice 16 Aug 2004 August 2004 - --------------------------------------------------------------------------------------------------------------------------- A166 Home Equity Release Mortgage MAR 726/15972 Valid until further notice Aug 2004 - --------------------------------------------------------------------------------------------------------------------------- A167 Secured loans with a fixed rate MAR 125/15985 Valid until further notice Aug 2004 - --------------------------------------------------------------------------------------------------------------------------- A168 Secured loans costs in black and white MAR 4/15985 Valid until further notice 1 Sep 2004 - --------------------------------------------------------------------------------------------------------------------------- A169 Mortgage costs in black and white MAR 244/16009 Valid until further notice 1 Sep 2004 - --------------------------------------------------------------------------------------------------------------------------- A170 Thinking of moving? MAR 740/14677 No date - --------------------------------------------------------------------------------------------------------------------------- A171 Mortgage Costs in Black and White MAR 690/16385 Valid until further notice - 16.08.04 (Countrywide Version). - --------------------------------------------------------------------------------------------------------------------------- A172 Mortgage Costs in Black and White. MAR 244/16009 Valid until further notice - 01.09.04 - --------------------------------------------------------------------------------------------------------------------------- A173 Mortgage Costs in Black and White. MAR 244/16132 Valid until further notice - 13.09.04 - --------------------------------------------------------------------------------------------------------------------------- A174 All you need to know about mortgages. MAR 235/16113 Valid until further notice - 13.09.04 - --------------------------------------------------------------------------------------------------------------------------- A175 Home Equity Release Mortgage: A cash sum or monthly MAR 726/16250 Valid until further notice - 11.10.04 cash release. - --------------------------------------------------------------------------------------------------------------------------- A176 All you need to know about mortgages MAR 748/15496 Valid until further notice - 31.10.04 - --------------------------------------------------------------------------------------------------------------------------- A177 All you need to know about insurance. MAR 754/15496 Valid until further notice - 31.10.04 - --------------------------------------------------------------------------------------------------------------------------- A178 All you need to know about our mortgage review MAR 728/15082 Valid until further notice - 15.12.04 service. - --------------------------------------------------------------------------------------------------------------------------- A179 All you need to know about our mortgage review MAR 728/16595 Valid until further notice - 15.12.04 service. - --------------------------------------------------------------------------------------------------------------------------- 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 Sep 2000 - --------------------------------------------------------------------------------------------------------------------------- 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 - --------------------------------------------------------------------------------------------------------------------------- 34 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- 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 Jun 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 Sep 2001 - --------------------------------------------------------------------------------------------------------------------------- B13 Update 19th September 2001 MAR 236 19.9.2001 From 19 Sep 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 - --------------------------------------------------------------------------------------------------------------------------- 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 9th September 2003 MAR 466/14234 Valid until further notice 9 Sep 2003 - --------------------------------------------------------------------------------------------------------------------------- 35 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- B31 Mortgages for Landlords - Update 14th October 2003 MAR 466/14380 Valid until further notice 14 Oct 2003 - --------------------------------------------------------------------------------------------------------------------------- B32 Mortgages for Landlords - Update 14th October 2003 MAR 466/14380 Valid until further notice 14 Oct 2003 - --------------------------------------------------------------------------------------------------------------------------- B33 Mortgages for Landlords - Update 17th November 2003 MAR 466/14558 Valid until further notice 17 Nov 2003 - --------------------------------------------------------------------------------------------------------------------------- B34 Mortgages for Landlords - Update 17th December 2003 MAR 466/14705 Valid until further notice 17 Dec 2003 - --------------------------------------------------------------------------------------------------------------------------- B35 Mortgages for Landlords - Update 20th January MAR 466/14788 Valid until further notice 20 Jan 2004 2004 - --------------------------------------------------------------------------------------------------------------------------- B36 Mortgages for Landlords - Update 22nd June 2004 MAR 466/15684 Valid until further notice 22 Jun 2004 - --------------------------------------------------------------------------------------------------------------------------- B37 Mortgages for Landlords - Update 9th July 2004 MAR 466/15788 Valid until further notice 9 Jul 2004 - --------------------------------------------------------------------------------------------------------------------------- B38 Mortgages for Landlords - Update 16th August 2004 MAE 466/15974 Valid until further notice 16 Aug 2004 - --------------------------------------------------------------------------------------------------------------------------- B39 Update 16.08.04- Mortgage Deals to Suit Everyone MAR 693 Valid until further notice 16.08.04. (Countrywide Version) - --------------------------------------------------------------------------------------------------------------------------- B40 Mortgages for Landlords - Update 13 September 2004 MAR 466/15974 Valid until further notice 13.09.04 - --------------------------------------------------------------------------------------------------------------------------- B41 Update 13.09.04- Mortgage Deals to Suit Everyone MAR 236 Valid until further notice 13.09.04. - --------------------------------------------------------------------------------------------------------------------------- B42 Update 23.09.04- Mortgage Deals to Suit Everyone MAR 236 Valid until further notice 23.09.04. - --------------------------------------------------------------------------------------------------------------------------- B43 Update 2010.04- Mortgage Deals to Suit Everyone MAR 236 Valid until further notice 11.10.04. - --------------------------------------------------------------------------------------------------------------------------- B44 Mortgages for Landlords - Update 20 October 2004 MAR 466/16295 Valid until further notice 20.10.04 - --------------------------------------------------------------------------------------------------------------------------- B45 Update 2010.04- Mortgage Deals to Suit Everyone MAR 236 Valid until further notice 20.12.04. - --------------------------------------------------------------------------------------------------------------------------- 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 - --------------------------------------------------------------------------------------------------------------------------- 36 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- 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 - --------------------------------------------------------------------------------------------------------------------------- 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 - --------------------------------------------------------------------------------------------------------------------------- 37 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- 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 - --------------------------------------------------------------------------------------------------------------------------- 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 conjunction MAR035 From 16 Jan 2002 with Issue No 49 - --------------------------------------------------------------------------------------------------------------------------- C76 Mortgage Update - Insert to be used in conjunction MAR035 From 16 Jan 2002 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 - --------------------------------------------------------------------------------------------------------------------------- C90 Intermediaries - Mortgage Product Update - MAR035 Valid 24.2.2003 Issue No. 3 - --------------------------------------------------------------------------------------------------------------------------- C91 Intermediaries - Mortgage Product Update - Issue MAR035 Valid 1.4.2003 No. 4 - --------------------------------------------------------------------------------------------------------------------------- C92 Intermediaries - Mortgage Product Update - Issue MAR035 May 2003 No. 5 - --------------------------------------------------------------------------------------------------------------------------- C93 Intermediaries - Mortgage Product Update - Issue MAR035 Valid 18.6.2003 No. 6 - --------------------------------------------------------------------------------------------------------------------------- 38 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- C94 Intermediaries - Mortgage Product Update - Issue No. MAR035/14374 Valid 14 Oct 2003 11 - --------------------------------------------------------------------------------------------------------------------------- C95 Intermediaries - Mortgage Product Update - Issue No. MAR709/14401 Valid 17 Nov 2003 12 - --------------------------------------------------------------------------------------------------------------------------- C96 Intermediaries - Mortgage Product Update - Issue No. MAR035/14686 Valid 17 Dec 2003 13 - --------------------------------------------------------------------------------------------------------------------------- C97 Intermediaries - Mortgage Product Update - Issue No. MAR035/14787 Valid 20 Jan 2004 14 - --------------------------------------------------------------------------------------------------------------------------- C98 Intermediaries - Mortgage Product Update - Issue No. MAR035/14918 Valid 16 Feb 2004 15 - --------------------------------------------------------------------------------------------------------------------------- C99 Intermediaries - Mortgage Product Update - Issue No. MAR035/15107 Valid 9 Mar 2004 16 - --------------------------------------------------------------------------------------------------------------------------- C100 Intermediaries - Mortgage Product Update - Issue No. MAR035/15162 Valid 25 Mar 2004 17 - --------------------------------------------------------------------------------------------------------------------------- C101 Intermediaries - Mortgage Product Update - Issue No. MAR035/15336 Valid 28 Apr 2004 18 - --------------------------------------------------------------------------------------------------------------------------- C102 Intermediaries - Mortgage Product Update - Issue No. MAR 035/15526 Valid 2 Jun 2004 20 - --------------------------------------------------------------------------------------------------------------------------- C103 Intermediaries - Mortgage Product Update - Issue No. MAR 035/15654 Valid 18 Jun 2004 21 - --------------------------------------------------------------------------------------------------------------------------- C104 Intermediaries - Mortgage Product Update - Issue No. MAR 035/15771 Valid 9 Jul 2004 22 - --------------------------------------------------------------------------------------------------------------------------- C105 Intermediaries - Home Release Mortgage Product MAR 746/15742 Valid 15 Jul 2004 Update - Issue No. 1 - --------------------------------------------------------------------------------------------------------------------------- C106 Intermediaries - Mortgage Product Update - Issue No. MAR 035/15939 Valid 16 Aug 2004 23 - --------------------------------------------------------------------------------------------------------------------------- C107 Intermediaries - Mortgage Product Update - Issue No. MAR 035/16064 Valid 13.09.2004 24 - --------------------------------------------------------------------------------------------------------------------------- C108 Intermediaries - Mortgage Product Update - Issue No. MAR 035/16238 Valid 11.10.2004 25 - --------------------------------------------------------------------------------------------------------------------------- C109 Intermediaries - Mortgage Product Update - Issue No. MAR 035/16268 Valid 19.10.2004 26 - --------------------------------------------------------------------------------------------------------------------------- C110 Intermediaries - Mortgage Product Update - Issue No. MAR 035/16287 Valid 15.11.2004 27 - --------------------------------------------------------------------------------------------------------------------------- C111 Intermediaries - Mortgage Product Update - Issue No. MAR 035/16542 Valid 15.12.2004 28 - --------------------------------------------------------------------------------------------------------------------------- C112 Intermediaries Exclusive No Ref. 06.10.04 - --------------------------------------------------------------------------------------------------------------------------- C113 Intermediaries - Home Equity Release Mortgage MAR746/15940 Valid 16.08.04 Product Update - Issue No. 2 - --------------------------------------------------------------------------------------------------------------------------- C114 Intermediaries - Home Equity Release Mortgage MAR746/16066 Valid 13.09.04 Product Update - Issue No. 3 - --------------------------------------------------------------------------------------------------------------------------- C115 Intermediaries - Home Equity Release Mortgage MAR746/16244 Valid 11.10.04 Product Update - Issue No. 4 - --------------------------------------------------------------------------------------------------------------------------- C116 Intermediaries - Home Equity Release Mortgage MAR746/16288 Valid 15.11.04 Product Update - Issue No. 5 - --------------------------------------------------------------------------------------------------------------------------- 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 - --------------------------------------------------------------------------------------------------------------------------- 39 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- 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 green Northern Rock plc copies. - --------------------------------------------------------------------------------------------------------------------------- E3 Revised Offer of Loan [Northern Rock copy] From Jul 2001 - used in conjunction Northern Rock plc 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 - --------------------------------------------------------------------------------------------------------------------------- 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 - --------------------------------------------------------------------------------------------------------------------------- 40 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- 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 Jul 2001 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- F19 Product Transfer - General Conditions (Flexible) SB/T&C/FLEX/05/02 From May 2002 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 - --------------------------------------------------------------------------------------------------------------------------- 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 ADV282/0701 Jul 2001 [English and Scottish] - --------------------------------------------------------------------------------------------------------------------------- G6 Mortgage Offer General Conditions ADV282/0701 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 - --------------------------------------------------------------------------------------------------------------------------- 41 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- H4 Agreement and Undertaking JAGO3/0500 From May 2000 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- H5 Agreement and Undertaking UNDERTAKE June 2000 From Jun 2000 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- 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 - --------------------------------------------------------------------------------------------------------------------------- I7 Mortgage of Life Policy SEC 16 /10.97 From Oct 1997 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- I8 Guarantors Confirmation (Existing Borrowers) ADV 266.10/97 From Oct 1997 Northern Rock Building Society - --------------------------------------------------------------------------------------------------------------------------- I9 Application for Transfer of Ownership of a Mortgaged MA 31/10.97 From Oct 1997 Property Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- I10 Notice of Assignment of Life Policy ADV 29 /11.99 From Nov 1999 - --------------------------------------------------------------------------------------------------------------------------- I11 Individual Savers Account (ISA) Policy Arrangements JAGO2/0500 From May 2000 form - --------------------------------------------------------------------------------------------------------------------------- I12 Application for Transfer of Ownership of a Mortgaged MA 31/Feb.01 From Feb 2001 Property Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- I13 Deed of Guarantee SOL013 / July 2001 From Jul 2001 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- I14 Guarantors Confirmation NRDGC 05/02 From May 2002 - This document is only Northern Rock plc used by Northern Rock Direct - --------------------------------------------------------------------------------------------------------------------------- I15 Guarantors Confirmation ADV 265.10/97 From Oct 1997 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- I16 Guarantors Confirmation ADV 265.06/00 From Jun 2000 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- I17 Confirmation of Identity GASelfCert - Aug From Aug 2003 Northern Rock plc 2003 - --------------------------------------------------------------------------------------------------------------------------- I18 Release and Re-assignment of Life Policy [English SEC 51/10.97 1 Oct 1997 - --------------------------------------------------------------------------------------------------------------------------- I19 Valuations and Surveys Northern Rock plc MAR 6/14054 Valid until further notice 8 Mar - --------------------------------------------------------------------------------------------------------------------------- I20 Staff Mortgage Enquiry Form, Northern Rock plc ADV 50 10/97 Undated - --------------------------------------------------------------------------------------------------------------------------- I21 Confirmation of Identity and Affordability Oct 2004 - --------------------------------------------------------------------------------------------------------------------------- 42 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- J Mortgage Origination and Completion - Solicitors/Other Third Party Documentation - --------------------------------------------------------------------------------------------------------------------------- J1 Valuations and Surveys - Helping you ensure your DEV 125 From 1 Oct 1992 home is a solid investment 01.10.1992 Northern Rock Building Society - --------------------------------------------------------------------------------------------------------------------------- J2 Report on Title and Funds Request (including MA55 01/94 From Jan 1994 Instructions to Solicitors/Licensed Conveyancers) Northern Rock Building Society - --------------------------------------------------------------------------------------------------------------------------- J3 Report on Title and Funds Request (including MA55 /04.96 From Apr 1996 Instructions to Solicitors/Licensed Conveyancers) Northern Rock Building Society - --------------------------------------------------------------------------------------------------------------------------- J4 Changes of Ownership in Mortgaged Property - Note to ADV 54 /05.96 From May 1996 Solicitors Northern Rock Building Society - --------------------------------------------------------------------------------------------------------------------------- J5 Report on Title and Funds Request (including MA55 /01.97 From Jan 1997 Instructions to Solicitors/Licensed Conveyancers) Northern Rock Building Society - --------------------------------------------------------------------------------------------------------------------------- J6 Changes of Ownership in Mortgaged Property - Note to ADV 54 02.97 From Feb 1997 Solicitors Northern Rock Building Society - --------------------------------------------------------------------------------------------------------------------------- J7 Changes of Ownership in Mortgaged Property - Note to ADV 54 07.97 From Jul 1997 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 - Note to ADV 54 10.97 From Oct 1997 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 Purposes on ADV 155 10.97 From Oct 1997 behalf of Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- J12 Report and Valuation for Mortgages Purposes on ADV 179 10.97 From Oct 1997 behalf of Northern Rock plc - Sheet 2 - --------------------------------------------------------------------------------------------------------------------------- J13 Report and Valuation for Mortgages Purposes on ADV 267 10.97 From Oct 1997 behalf of Northern Rock plc - Sheet 2 in respect of loans exceeding (GBP)150,000 - --------------------------------------------------------------------------------------------------------------------------- J14 Report and Valuation for Mortgages Purposes on ADV 7a 10.97 From Oct 1997 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 on ADV 155 12.98 From Dec 1998 behalf of Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- 43 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- J18 Part 2 Instructions (in relation to the CML Offers of Advance issued from 01 Jun Lenders' Handbook for England & Wales) 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 late Summer Lenders' Handbook for England & Wales) 2000[?] - --------------------------------------------------------------------------------------------------------------------------- J22 Deeds Dematerialisation [Notice to solicitors] [From Apr 2000?] 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 Property - Note to ADV 54 11/00 From Nov 2000 Solicitors Northern Rock Building Society - --------------------------------------------------------------------------------------------------------------------------- J25 Certificate of Title (including Drawdown Loan COT/0502 From May 2002 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 on AL/SAS/267/ From Sep 2002 behalf of Northern Rock plc - Sheet 2 in respect of (500+) 09.02 loans exceeding (GBP)1,000,000 - --------------------------------------------------------------------------------------------------------------------------- J28 Certificates of Title COT/1102 From Nov 2002 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- J29 Report and Valuation for Mortgage Purposes on ADV 155/07.03 From Jul 2003 behalf of Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- J30 Certificate of Title (Rapid Remortgages Only) 18 Jun 2003 - --------------------------------------------------------------------------------------------------------------------------- J31 Form giving Certificate of Title (Rapid 18 Jun 2003 Remortgages-Multicases only) - --------------------------------------------------------------------------------------------------------------------------- J32 Funds Release (Certificate of Title) for Rapid N/A 18 Jun 2001 - --------------------------------------------------------------------------------------------------------------------------- J33 Part 2 - Name of Mortgage Lender (CML Mortgage N/A 1 Oct 2002 - --------------------------------------------------------------------------------------------------------------------------- J34 Part 2 - Name of Mortgage Lender (CML Mortgage N/A 1 Nov 2002 - --------------------------------------------------------------------------------------------------------------------------- J35 Part 2 - Name of Mortgage Lender (CML Mortgage N/A 13 Oct 2003 - --------------------------------------------------------------------------------------------------------------------------- J36 Agreement between Northern Rock and The Motley Fool N/A 5 Nov 2003 - --------------------------------------------------------------------------------------------------------------------------- J37 Memo from D. Maughan to C Jobe re. Unsecured N/A 13 Nov 2003 - --------------------------------------------------------------------------------------------------------------------------- J38 Letter from Mortgage Next to Northern Rock re. 28 Aug 2003 - --------------------------------------------------------------------------------------------------------------------------- 44 - --------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - --------------------------------------------------------------------------------------------------------------------------- J39 Procuration Fee Approval Form in relation to 26 Nov 2003 Moneyextra - --------------------------------------------------------------------------------------------------------------------------- J40 Procuration Fee Approval Form in relation to 27 Nov 2003 Traditional Intermediaries - --------------------------------------------------------------------------------------------------------------------------- J41 Northern Rock Intermediary Registration Form N/A N/A - --------------------------------------------------------------------------------------------------------------------------- J42 Northern Rock Standard Form Intermediary Agreement N/A N/A - --------------------------------------------------------------------------------------------------------------------------- J43 Certificate of Title LEG023 24.03.05 24 Mar 2005 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- J44 Certificate of Title Ppub11 5.5.05 5 May 2005 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- J45 Certificate of Title (Scotland) Ppub16 5.5.05 5 May 2005 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- J46 Part 2 Instructions (in relation to the CML Lenders' N/A 6 May 2005 Handbook for England & Wales) - --------------------------------------------------------------------------------------------------------------------------- J47 Part 2 Instructions (in relation to the CML Lenders' N/A 6 May 2005 Handbook for Northern Ireland) - --------------------------------------------------------------------------------------------------------------------------- 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 JAGO1/0500 From May 2000 Northern Rock plc JAGO1B/0500 - --------------------------------------------------------------------------------------------------------------------------- K5 Deeds Schedule SODT/0201 From Feb 2001 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- K6 Completion Advice A146F - Completions advices are in a flexible Northern Rock plc representative format - content is variable sample depending upon circumstances of loan and product applied for. Permutations are vast and it is impractical to maintain an archive of each scenario. - --------------------------------------------------------------------------------------------------------------------------- K7 Additional Advance Cheque Request ADV 133 01/94 From Jan 1994 Northern Rock Building Society - --------------------------------------------------------------------------------------------------------------------------- K8 Re-Advance/Further Advance Receipt SEC 37 /10.97 From Oct 1997 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- K9 Additional Advance Funds Request ADV 271 /10.97 From Oct 1997 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- K10 Additional Advance Funds Request ADV 271 1/98 From Jan 1998 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- K11 Additional Advance Funds Request AAFR/0802 From Aug 2002 Northern Rock plc - --------------------------------------------------------------------------------------------------------------------------- K12 Additional Advance Funds Request - --------------------------------------------------------------------------------------------------------------------------- K13 Certificate of Title COT/0804 - --------------------------------------------------------------------------------------------------------------------------- 45 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 - -------------------------------------------------------------------------------------------------------------------------- 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 Sep 2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- L14 Mortgage Application Form ADV4. 09/01 From Sep 2001 to Oct 2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- L15 Mortgage Application Form ADV4. 10/01 From Oct 2001 to Aug 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- L16 NB From this point onwards the Mortgage Application Forms appear to also be used for the Together/Together Connections products. - -------------------------------------------------------------------------------------------------------------------------- L17 Mortgage Application Form ADV4. 08.02 From Aug 2002 to Oct 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- L18 Mortgage Application Form ADV4. 10.02 From Oct 2002 to Feb 2003 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- L19 Your Personal Quotation and Transfer Declaration 19 Sep 2002 (Sample re Mr and Mrs Kapke) for a Flexible Fixed Rate Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- L20 Your Personal Quotation and Transfer Declaration 19 Sep 2002 (Sample re Mr Mcparland and Miss for a Together Mortgage Davis) Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- 46 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- L21 Mortgage Application Form ADV4.02.03 From Feb 2003 to Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- L22 Mortgage Application Form [English and Scottish] ADV4. 04.03 Apr 2003 - -------------------------------------------------------------------------------------------------------------------------- L23 Mortgage Application Form Northern Rock plc ADV4.3.04 From Mar 2004 - -------------------------------------------------------------------------------------------------------------------------- L23 Change of Parties Application Form MAR 757 31.10.04 - -------------------------------------------------------------------------------------------------------------------------- L24 Mortgage Application Form LEG 15 31.10.04 - -------------------------------------------------------------------------------------------------------------------------- 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 From May 1998 to ? Northern Rock Direct/Northern Rock plc May 1998 - -------------------------------------------------------------------------------------------------------------------------- M5 Home Equity Release Mortgage Application Form MAR 327/560 Jul 2004 - -------------------------------------------------------------------------------------------------------------------------- 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 (22.10.2001)From Oct 2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- N4 Secured Personal Loan Application Form ADV031 (01.8.2002) From Aug 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- 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 - -------------------------------------------------------------------------------------------------------------------------- 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 - -------------------------------------------------------------------------------------------------------------------------- 47 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- 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 Fixed Rate from 9 Jan 2003 Mortgage - -------------------------------------------------------------------------------------------------------------------------- O26 Guaranteed Repayment Mortgage 15 year Fixed Rate from 9 Jan 2003 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 insurance 9B From 03 Jan 1996 - -------------------------------------------------------------------------------------------------------------------------- P3 Variable Rate Mortgage - Cashback without insurance C5 From 11 Aug 1997 [Query date - should be 1996?] - -------------------------------------------------------------------------------------------------------------------------- P4 Variable Rate Mortgage - Cashback without insurance C7 From 02 Sep 1996 - -------------------------------------------------------------------------------------------------------------------------- P5 Variable Rate Mortgage - Cashback without insurance C9 From 02 Sep 1996 - -------------------------------------------------------------------------------------------------------------------------- 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 - -------------------------------------------------------------------------------------------------------------------------- 48 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- 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 - -------------------------------------------------------------------------------------------------------------------------- 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 - -------------------------------------------------------------------------------------------------------------------------- 49 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- Q18 4 year Capped Variable Rate Mortgage EQ - -------------------------------------------------------------------------------------------------------------------------- Q19 4 year Capped Variable Rate Mortgage EQ - -------------------------------------------------------------------------------------------------------------------------- Q20 Equity Release Capped Variable Rate Mortgage YB - -------------------------------------------------------------------------------------------------------------------------- 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 Repayment from 9 Jan 2003 Charge) - -------------------------------------------------------------------------------------------------------------------------- Q43 2 year Flexible Fixed (extending Early Repayment from 9 Jan 2003 Charge - no Help with Costs option) - -------------------------------------------------------------------------------------------------------------------------- Q44 2 year Flexible Fixed from 9 Jan 2003 - -------------------------------------------------------------------------------------------------------------------------- Q45 2 year Flexible Fixed (no Help with Costs option) from 9 Jan 2003 - -------------------------------------------------------------------------------------------------------------------------- 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 Credit ACR1A/1097 on From Oct 1997 Act 1974 - Flexible Plan "Original" ("Original" and "Copy" versions each with Conditions ACR1B/1097 on on the reverse) "Copy" Northern Rock plc ACR1Z/1097 on [Used for Flexible Plan Loans up to (GBP)25,000] "Conditions" - -------------------------------------------------------------------------------------------------------------------------- 50 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- R2 Copy of Proposed Agreement Containing Your Right to ACR1Z/1097 on From Oct 1997 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 (GBP)25,000] ACR2Z/1097 on "Conditions" - -------------------------------------------------------------------------------------------------------------------------- R4 Credit Agreement Regulated by the Consumer Credit ADV135 10/97 on From Oct 1997 Act 1974 - Personal Secured Loan "Original" and ("Original" and "Copy" versions each with Conditions "Copy" 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 Notice ADV135 10/97 on From Oct 1998 of Your Right to Withdraw - Personal Secured Loan "Advance Copy" ("Advance Copy" version including Conditions on the no ref on reverse) "Conditions") Northern Rock plc [Used for Personal Secured Loans up to (GBP)25,000 - Variable Rate] - -------------------------------------------------------------------------------------------------------------------------- R6 Credit Agreement Regulated by the Consumer Credit ADV135 10/97 on From Feb 1998 Act 1974 - Personal Secured Loan "Original" and ("Original" and "Copy" versions each with Conditions "Copy" 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 Credit MAR 126 6/98 on From Jun 1998 Act 1974 "Original" and ("Original" and "Copy" versions including "Copy" no ref on Conditions on the reverse) Northern "Conditions" Rock plc [Used for Personal Secured Loans up to (GBP)25,000 - Fixed Rate] - -------------------------------------------------------------------------------------------------------------------------- R8 Copy of Proposed Credit Agreement Containing Notice MAR 126 6/98 on From Jun 1998 of Your Right to Withdraw "Advance Copy" no ("Advance Copy" version including Conditions on the ref on "Conditions" reverse) Northern Rock plc [Used for Personal Secured Loans up to (GBP)25,000 - Fixed Rate] - -------------------------------------------------------------------------------------------------------------------------- R9 Copy of Proposed Agreement Containing Your Right to ACR2A/1097 on From Mar 2000 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] - -------------------------------------------------------------------------------------------------------------------------- 51 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- R10 Credit Agreement Regulated by the Consumer Credit MAR 126 4/00 on From Apr 2000 Act 1974 "Original" no ref ("Original" version including Conditions on the on "Conditions" reverse) Northern Rock plc [Used for Personal Secured Loans up to (GBP)25,000 - Fixed Rate] - -------------------------------------------------------------------------------------------------------------------------- R11 Credit Agreement Regulated by the Consumer Credit CA135A/0900 on From Sep 2000 Act 1974 "Original" ("Original" and "Copy" versions each with Conditions CA135B/0900 on on the reverse) "Copy" Northern Rock plc CA135Z/0900 on [Used for Personal Secured Loans up to (GBP)25,000 "Conditions" - Variable Rate] - -------------------------------------------------------------------------------------------------------------------------- R12 Copy of Proposed Agreement Containing Notice of Your CA135C/0900 on From Sep 2000 Right to Withdraw "Advance Copy" ("Advance Copy" version with Conditions on the CA135Z/0900 on reverse) "Conditions" Northern Rock plc [Used for Personal Secured Loans up to (GBP)25,000 - Variable Rate] - -------------------------------------------------------------------------------------------------------------------------- R13 Credit Agreement Regulated by the Consumer Credit CA126A/0900 on From Sep 2000 Act 1974 "Original" ("Original" and "Copy" versions each with Conditions CA126B/0900 on on the reverse) "Copy" Northern Rock plc CA126Z/0900 on [Used for Personal Secured Loans - Variable Rate] "Conditions" - -------------------------------------------------------------------------------------------------------------------------- R14 Copy of Proposed Agreement Containing Notice of Your CA126C/0900 on From Sep 2000 Right to Withdraw "Advance Copy" ("Advance Copy" version with Conditions on the CA126Z/0900 on reverse) "Conditions" Northern Rock plc [Used for Personal Secured Loans - Variable Rate] - -------------------------------------------------------------------------------------------------------------------------- R15 Credit Agreement Regulated by the Consumer Credit ACR1A/1000 on From Oct 2000 Act 1974 - Flexible Plan "Original" ("Original" and "Copy" versions each with Conditions ACR1B/1097 on on the reverse) "Copy" Northern Rock plc ACR1Z/1097 on [Used for Flexible Plan Loans up to (GBP)25,000] "Conditions" - -------------------------------------------------------------------------------------------------------------------------- R16 Loan Agreement - Flexible Plan ACR2B/1000 on From Oct 2000 ("Original" version with Conditions on the reverse) "Original" Northern Rock plc ACR2Z/1000 on [Used for Flexible Plan Loans over (GBP)25,000] "Conditions" - -------------------------------------------------------------------------------------------------------------------------- R17 Loan Agreement - Flexible Plan ACR2C/1000 on From Oct 2000 ("Original" version with Conditions on the reverse) "Original" Northern Rock plc ACR2Z/1000 on [Used for Flexible Plan Loans over (GBP)25,000] "Conditions" - -------------------------------------------------------------------------------------------------------------------------- R18 Credit Agreement - Regulated by the Consumer Credit CA13Z Jan 2003 Act 1974 attaching Conditions (English Fixed Sum Plan Variable Rate Secured Personal Loan) - -------------------------------------------------------------------------------------------------------------------------- 52 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- R19 Credit Agreement Regulated by the Consumer Credit CA1Z6Z Jan 2003 Act 1974 attaching Conditions - -------------------------------------------------------------------------------------------------------------------------- R20 Credit Agreement Regulated by the Consumer Credit ACR1Z Jan 2003 Act 1974 attaching Conditions - -------------------------------------------------------------------------------------------------------------------------- R21 Loan Agreement attaching Conditions ACR2Z Jan 2003 - -------------------------------------------------------------------------------------------------------------------------- R22 Credit Agreement Regulated by the CCA 1974 ADV13506/95 Jun 1995 (Personal Secured Loans) (with Terms and Conditions attached) - -------------------------------------------------------------------------------------------------------------------------- R23 Loan Agreement (Flexible Plan) (with Terms and ADVCR2 Jul 1995 Conditions attached) - -------------------------------------------------------------------------------------------------------------------------- R24 Credit Agreement Regulated by the CCA 1974 ACR1 07/96 Jul 1996 (Flexible Plan) with Terms and Conditions Attached - -------------------------------------------------------------------------------------------------------------------------- R25 Fixed-sum loan agreement regulated by the Consumer ###-###-#### 7 Jun 2005 Credit Act 1974 secured on 2 Creswell Terrace, 05550D-22226 Uddingston, Glasgow ("Original" version with Conditions attached) Northern Rock plc [Used for Personal Secured Loans - Annual Rest] - -------------------------------------------------------------------------------------------------------------------------- R26 Fixed-sum loan agreement regulated by the Consumer 7 Jun 2005 Credit Act 1974 secured on 28 Wynfarthing Court, Ship Lane, Ely, Cambridgeshire, CB7 4EZ ("Original" version with Conditions attached) Northern Rock plc [Used for Personal Secured Loans - Annual Rest - Flexible Plan] - -------------------------------------------------------------------------------------------------------------------------- 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 Jul 2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- S8 Mortgage Deed - Standard (HMLR filing ref MD691D) SOL 11 07/01 From Jul 2001 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] - -------------------------------------------------------------------------------------------------------------------------- 53 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- 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] - -------------------------------------------------------------------------------------------------------------------------- T4 Mortgage Deed (relating to a Regulated Agreement SEC 52. 10/97 From Oct 1997 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 for SEC 40. 10/97 From Oct 1997 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 Agreement SEC 52. 03/00 From Mar 2000 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 cover From Sep 2000 Northern Rock plc and MD2B/0900 on [Used for Flexible Plan - Non-CCA Loans] reverse - -------------------------------------------------------------------------------------------------------------------------- T11 Mortgage Deed (relating to a Regulated Agreement MD1/0900 on cover From Sep 2000 under the Consumer Credit Act 1974) and MD1B/0900 on (HMLR filing ref MD 542 M) reverse Northern Rock plc [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 for SOL005 09/00 From Sep 2000. Not used by further Further Advance (HMLR filing ref MD 542 X) advance dept. Used by product Northern Rock plc 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. - -------------------------------------------------------------------------------------------------------------------------- 54 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- T14 Deed of Variation of Mortgage and Receipt for SOL008 09/00 From Sep 2000. Not used by further Further Advance (HMLR filing ref MD 542 Y) advance dept. Used by product Northern Rock plc 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. - -------------------------------------------------------------------------------------------------------------------------- T15 Deed of Variation of Mortgage and Receipt for SEC071 July 2001 From Jul 2001 Further Loan (HMLR filing ref MD 691 B) Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- T16 Deed of Variation of Mortgage and Receipt for SOL012/ July 2001 From Jul 2001 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] [Together] MAR 172 2.99 From Feb 1999 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U2 [Picture of Two Forks on cover - 1] [Together] MAR 189 3.99 From Mar 1999 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U3 [Picture of Two Forks on cover - 2] [Together] MAR 237 14.6.99 From Jun 1999 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U4 together flexible - one loan one rate one call MAR 272/9255 From Sep 1999 [Together Flexible] 15.9.99 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U5 together flexible - one loan one rate one call -all MAR 273/9255 From Sep 1999 you need to know [Together Flexible] 15.9.99 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U6 take control of your money and get more out of life MAR 305/9511 From Dec 1999 - together [Together] 20.12.99 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U7 all you need to know - together [Together] MAR 303/9511 From Dec 1999 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] [Picture of MAR 173 2.99 From Feb 1999 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] [Picture of MAR 192 3.99 From Mar 1999 intertwined flowers on cover] [Together] Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- 55 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- 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] [Picture of MAR 239 16.6.99 From Jun 1999 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 - -------------------------------------------------------------------------------------------------------------------------- U15 together flexible - a guide to costs [Together MAR 275/9255 From Sep 1999 Flexible] 15.9.99 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U16 together - variable at only 6.6.9%pa 7.6%APR MAR 306/9657 From Jan 2000 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? 6th April 2001 MAR 302 6.4.2001 From Apr 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 Connections] MAR 418/10935 From May 2001 Northern Rock plc 1.5.2001 - -------------------------------------------------------------------------------------------------------------------------- 56 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- U35 OK Shrink My Mortgage [Together Connections] MAR 419/10935 From May 2001 Northern Rock plc 1.5.2001 - -------------------------------------------------------------------------------------------------------------------------- U36 Together what is it going to cost? 10th May 2001 MAR 302 10.5.2001 From May 2001 [Together] Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U37 What's it going to cost? [Together Connections] MAR 418/11282 From May 2001 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 [Together MAR 437/11251 From Jun 2001 Connections] 01.6.2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U41 Together what is it going to cost? 22nd June 2001 MAR 302 22.6.2001 From Jun 2001 [Together] Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U42 What's it going to cost? [Together Connections] MAR 418/11457 From Jun 2001 Northern Rock plc 22.6.2001 - -------------------------------------------------------------------------------------------------------------------------- U43 Together what is it going to cost? 2nd August 2001 MAR 302 2.8.2001 From Aug 2001 [Together] Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U44 What's it going to cost? [Together Connections] MAR 418/11593 From Aug 2001 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 Connections] MAR 419/11578 From Aug 2001 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? 3rd September MAR 302 3.9.2001 From Sep 2001 2001 [Together] Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U49 What's it going to cost? [Together Connections] MAR 418/11706 From Sep 2001 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 Connections] MAR 419/11758 From Sep 2001 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 September MAR 302 19.9.2001 From Sep 2001 2001 [Together] Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U54 What's it going to cost? [Together Connections] MAR 418/11706 From Sep 2001 Northern Rock plc 19.9.2001 - -------------------------------------------------------------------------------------------------------------------------- 57 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- U55 Together what is it going to cost? 4th October 2001 MAR 302 From Oct 2001 [Together] 4.10.2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U56 What's it going to cost? [Together Connections] MAR 418/11706 From Oct 2001 Northern Rock plc 4.10.2001 - -------------------------------------------------------------------------------------------------------------------------- U57 Together what is it going to cost? 8th November 2001 MAR 302 8.11.2001 From Nov 2001 [Together] Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U58 What's it going to cost? [Together Connections] MAR 418/11706 From Nov 2001 Northern Rock plc 8.11.2001 - -------------------------------------------------------------------------------------------------------------------------- U59 Together what is it going to cost? 5th December 2001 MAR 302 5.12.2001 From Dec 2001 [Together] Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U60 What's it going to cost? [Together Connections] MAR 418/11706 From Dec 2001 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 Mortgage MAR 472/12369 From Mar 2002 [Together Connections] 15.3.2002 - -------------------------------------------------------------------------------------------------------------------------- U64 Together - what's it going to cost [Together] MAR 302 20.3.2002 From Mar 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U65 Together - what's it going to cost [Together] MAR 302 10.5.2002 From May 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U66 Together - what's it going to cost [Together] MAR 302 26.7.2002 From Jul 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U67 Together - what's it going to cost [Together] MAR 302 06.8.2002 From Aug 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U68 i want to shrink my mortgage [Together Connections] MAR 419/12891 From Aug 2002 Northern Rock plc 30.8.2002 - -------------------------------------------------------------------------------------------------------------------------- U69 What's it going to cost? [Together Connections] MAR 418/11706 From Aug 2002 Northern Rock plc 30.8.2002 - -------------------------------------------------------------------------------------------------------------------------- U70 Together - what's it going to cost [Together] MAR 302 30.8.2002 From Aug 2002 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 Connections] MAR 418/11706 From Oct 2002 Northern Rock plc 21.10.2002 - -------------------------------------------------------------------------------------------------------------------------- U73 Together - what's it going to cost [Together] MAR 302 21.10.2002From Oct 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U74 What's it going to cost? [Together Connections] MAR 418/11706 From Nov 2002 Northern Rock plc 08.11.2002 - -------------------------------------------------------------------------------------------------------------------------- U75 Together - what's it going to cost [Together] MAR 302 08.11.2002From Nov 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- U76 I want to shrink my mortgage MAR 625/13245 From 27 Nov 2002 [Connections] - -------------------------------------------------------------------------------------------------------------------------- 58 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- 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 [Together] MAR 302 From 10 Jan 2003 Northern Rock plc 10.01.2003 - -------------------------------------------------------------------------------------------------------------------------- U80 Together - what's it going to cost [Together] MAR 302 From 8 Feb 2003 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 302 Valid until further notice 14 Sep 2003 - -------------------------------------------------------------------------------------------------------------------------- U86 What's it going to cost? MAR 691 Valid until further notice 14 Oct 2003 - -------------------------------------------------------------------------------------------------------------------------- U87 What's it going to cost? MAR 302 Valid until further notice 14 Oct 2003 - -------------------------------------------------------------------------------------------------------------------------- U88 I need cash with my mortgage MAR 522/14518 Valid until further notice 1 Nov 2003 - -------------------------------------------------------------------------------------------------------------------------- U89 What's it going to cost? MAR 302 Valid until further notice 17 Nov 2003 - -------------------------------------------------------------------------------------------------------------------------- U90 What's it going to cost? MAR 302 Valid until further notice 9 Dec 2003 - -------------------------------------------------------------------------------------------------------------------------- U91 What's it going to cost? MAR 302 Valid until further notice 17 Dec 2003 - -------------------------------------------------------------------------------------------------------------------------- U92 What's it going to cost? MAR 302 Valid until further notice 20 Jan 2004 - -------------------------------------------------------------------------------------------------------------------------- U93 I need cash with my mortgage MAR 522A/14812 Valid until further notice 20 Jan 2004 - -------------------------------------------------------------------------------------------------------------------------- U94 What's it going to cost? MAR 302 Valid until further notice 16 Feb 2004 - -------------------------------------------------------------------------------------------------------------------------- U95 What's it going to cost? MAR 691 Valid until further notice 9 Mar 2004 - -------------------------------------------------------------------------------------------------------------------------- U96 What's it going to cost? MAR 302 Valid until further notice 25 Mar 2004 - -------------------------------------------------------------------------------------------------------------------------- U97 What's it going to cost? MAR 693 Valid until further notice 25 Mar 2004 - -------------------------------------------------------------------------------------------------------------------------- U98 I need cash with my mortgage MAR 522/15006 Valid until further notice 16 Apr 2004 - -------------------------------------------------------------------------------------------------------------------------- U99 What's it going to cost? MAR 691 Valid until further notice 12 May 2004 - -------------------------------------------------------------------------------------------------------------------------- U100 What's it going to cost? MAR 691 Valid until further notice 2 Jun 2004 - -------------------------------------------------------------------------------------------------------------------------- U101 What's it going to cost? MAR 302 Valid until further notice 2 Jun 2004 - -------------------------------------------------------------------------------------------------------------------------- U102 What's it going to cost? MAR 691 Valid until further notice 22 Jun 2004 - -------------------------------------------------------------------------------------------------------------------------- 59 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- U103 What's it going to cost? MAR 691 Valid until further notice 9 Jul 2004 - -------------------------------------------------------------------------------------------------------------------------- U104 What's it going to cost? MAR 302 Valid until further notice 9 Jul 2004 - -------------------------------------------------------------------------------------------------------------------------- U105 What's it going to cost? MAR 302 Valid until further notice 22 Jul 2004 - -------------------------------------------------------------------------------------------------------------------------- U106 What's it going to cost? MAR 302 Valid until further notice 16 Aug 2004 - -------------------------------------------------------------------------------------------------------------------------- U107 What's it going to cost? [Together] MAR691 Valid until further notice 16.08.04 (Countrywide Version) - -------------------------------------------------------------------------------------------------------------------------- U108 What's it going to cost? [Together] MAR302 Valid until further notice 11.10.04 - -------------------------------------------------------------------------------------------------------------------------- U109 What's it going to cost? [Together] MAR302 Valid until further notice 20.10.04 - -------------------------------------------------------------------------------------------------------------------------- V Mortgage Application Forms - -------------------------------------------------------------------------------------------------------------------------- V1 Get It Together Application Form - Together MAR176 2/99 From Feb 1999 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- V2 Get It Together Application Form - Together MAR198 3/99 From Mar 1999 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- V3 Get It Together Application Form - Together MAR242 6/99 From Jun 1999 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- V4 Get It Together Application Form - Together Flexible MAR271/9255 and From Sep 1999 Northern Rock plc 9/99 - -------------------------------------------------------------------------------------------------------------------------- V5 Get It Together Application Form - Together MAR304/9511 and From Dec 1999 Northern Rock plc 12/99 - -------------------------------------------------------------------------------------------------------------------------- V6 Get It Together Application Form MAR304. 6/00 From Jun 2000 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- NB From Aug 2002 the Mortgage Application Forms from L17 appear to also be used for the Together/Together Connections products. - -------------------------------------------------------------------------------------------------------------------------- W Together Credit/Loan Agreements - -------------------------------------------------------------------------------------------------------------------------- W1 Credit Agreement Regulated by the Consumer Credit DDL1/0299 on From Feb 1999 Act 1974 - Drawdown Loan -Original, First and Second Original Copies (each with Terms and Conditions) DDL2/0299 on Northern Rock plc First Copy [Used for Together Flexible Loans up to DDL3/0299 on (GBP)25,000] Second Copy DDLB/0299 on Conditions - -------------------------------------------------------------------------------------------------------------------------- W2 Credit Agreement Regulated by the Consumer Credit TFCA1/1099 on From Oct 1999 Act 1974 - Drawdown Loan - Original, First Copy and Original [In conjunction with Together Second Copy (each with Terms and Conditions) TFCA2/1099 on Flexible Mortgages. Northern Rock plc First Copy [Used for Together Flexible Loans up to TFCA3/1099 on (GBP)25,000] Second Copy TFCAB/1099 on Conditions - -------------------------------------------------------------------------------------------------------------------------- 60 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- W3 Credit Agreement Regulated by the Consumer Credit TFIX1/0200 on From Feb 2000 Act 1974 - Together Fixed - Original, First Copy and Original [In conjunction with Together Fixed Second Copy (each with Terms and Conditions on TFIX2/0200 on Mortgages.] reverse) First Copy Northern Rock plc TFIX3/0200 on [Used for Together Fixed Loans up to Second Copy (GBP)25,000] TFIXB/0200 on Conditions - -------------------------------------------------------------------------------------------------------------------------- W4 Credit Agreement Regulated by the Consumer Credit TVCA1/0200 on From Feb 2000 Act 1974 - Together Variable - Original, First Copy Original [In conjunction with Together and Second Copy (each with Terms and Conditions on TVCA2/0200 on Variable Mortgages.] reverse) First Copy Northern Rock plc [TVCA3/0200?] on [Used for Together Variable Loans up to Second Copy (GBP)25,000] TVCAB/0200 on Conditions - -------------------------------------------------------------------------------------------------------------------------- W5 Credit Agreement Regulated by the Consumer Credit TVCA1/0200 on From Jan 2001 Act 1974 - Together Variable - Original, First Copy Original [In conjunction with Together and Second Copy (each with Terms and Conditions on TVCA2/0200 on Variable Mortgages.] reverse) First Copy Northern Rock plc [TVCA3/0200?] on [Used for Together Variable Loans up to Second Copy (GBP)25,000] TVCAB/0101 on Conditions - -------------------------------------------------------------------------------------------------------------------------- W6 Credit Agreement Regulated by the Consumer Credit TVCA1/0200 on From May 2001 Act 1974 - Together Variable - Original, First Copy Original [In conjunction with Together and Second Copy (each with Terms and Conditions on TVCA2/0200 on Variable Mortgages.] reverse) First Copy Northern Rock plc [TVCA3/0200?] on [Used for Together Variable Loans up to Second Copy (GBP)25,000] TVCAB/0501 on Conditions - -------------------------------------------------------------------------------------------------------------------------- W7 Credit Agreement Regulated by the Consumer Credit TVCA1/0200 on From Aug 2001 Act 1974 - Together Variable - Original, First Copy Original [In conjunction with Together and Second Copy (each with Terms and Conditions on TVCA2/0200 on Variable Mortgages.] reverse) First Copy Northern Rock plc [TVCA3/0200?] on [Used for Together Variable Loans up to Second Copy (GBP)25,000] TVCAB/0801 on Conditions - -------------------------------------------------------------------------------------------------------------------------- W8 Credit Agreement Regulated by the Consumer Credit TVCA1/0200 on From Aug 2001 Act 1974 - Together Variable - Original, First Copy Original [In conjunction with Together and Second Copy (each with Terms and Conditions on TVCA2/0200 on Variable Mortgages.] reverse) First Copy Northern Rock plc [TVCA3/0200?] on [Used for Together Variable Loans up to Second Copy (GBP)25,000] TVCAB/1001 on Conditions - -------------------------------------------------------------------------------------------------------------------------- W9 Credit Agreement Regulated by the Consumer Credit CATC/0502 on From May 2002 Act 1974 - Drawdown Loan -Original, First and Second Original, First Copies (each with Terms and Conditions) Copy, Second Copy Northern Rock plc and on Conditions [Used for Together Flexible Loans up to (GBP)25,000] - -------------------------------------------------------------------------------------------------------------------------- 61 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- W10 Credit Agreement Regulated by the Consumer Credit ABTC/0802 on From Aug 2002 Act 1974 - Together Fixed - Original, First Copy and Original, First [In conjunction with Together Fixed Second Copy (each with Terms and Conditions on Copy, Second Copy Mortgages.] reverse) and on Conditions Northern Rock plc [Used for Together Fixed Loans up to (GBP)25,000] - -------------------------------------------------------------------------------------------------------------------------- W11 Credit Agreement Regulated by the Consumer Credit TVCAB/0902 on From Sep 2002 Act 1974 - Together Variable - Original, First Original, First [In conjunction with Together Copy, and Second Copy (each with Terms and Copy, Second Copy Variable Mortgages.] Conditions on reverse) and on Conditions Northern Rock plc [Used for Together Variable Loans up to (GBP)25,000] - -------------------------------------------------------------------------------------------------------------------------- W12 Credit Agreement Regulated by the Consumer Credit 03/02 on From Mar 2002 Act 1974 - Original, First Copy and Second Copy Original, First "MPU" Drawdown Loan Agreement Copy and Second Northern Rock plc Copy CATC/0502 on Conditions - -------------------------------------------------------------------------------------------------------------------------- W13 Credit Agreement Regulated by the Consumer Credit From Aug 2002 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 the Consumer Credit TFWT/0703 From Jul 2003 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] - -------------------------------------------------------------------------------------------------------------------------- W15 Credit Agreement Regulated by the Consumer Credit DTCAB/0903 on In conjunction with Together Act 1974 - Together Discount Tracker - Original, Conditions Connections Conditions. First Copy and Second Copy (each with Terms and Conditions on reverse) Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- 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] - -------------------------------------------------------------------------------------------------------------------------- 62 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- X3 Northern Rock Credit Card Application Form MAR 151/M9C From Mar 1999 (with Terms and Conditions) 22.3.99 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- X4 Together Connection Conditions MAR422 1.5.01 From Jan 2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- 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 and MAR 435/11676 From May 2001 Conditions 1.5.2001 - -------------------------------------------------------------------------------------------------------------------------- X7 together connections Current Account Terms and MAR 436/11333 From May 2001 Conditions 1.5.2001 - -------------------------------------------------------------------------------------------------------------------------- X8 Northern Rock Credit Card Application Form MAR 341 9.7.2001 From Jul 2001 (with Terms and Conditions on reverse) Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- X9 Options for Your together connection Mortgage MAR 472/12369 From Mar 2002 [leaflet] 15.3.2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- X10 Together Connection Conditions MAR 422 7.8.02 From Aug 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- X11 Sample Special Conditions for Together Connections From 30 Aug 2002 Mortgage (incorporating Doc X4 by reference) (including New Mortgage Product Northern Rock plc Statement of Requirements memo) - -------------------------------------------------------------------------------------------------------------------------- X12 Sample Special Conditions for Together Mortgage (5 From 30 Aug 2002 Year Flexible Tracker Rate) (including New Mortgage Product Northern Rock plc Statement of Requirements memo) - -------------------------------------------------------------------------------------------------------------------------- X13 Covering Letter to Borrower enclosing Together Connections Options Docs X9 and X23 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- X14 Sample Covering Letter to Borrower regarding 31 Oct 2002 Mr P Livingstone and Miss C M Bell Completion of a Together Connections Loan (App No 10374507) Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- X15 Sample Special Conditions for Together Variable from 9 Jan 2003 loans Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- X16 Sample Special Conditions for Together Connections from 9 Jan 2003 mortgage loans - 5 year discounted tracker Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- X17 Sample Special Conditions for Together Fixed from 9 Jan 2003 mortgage loans - 2, 3, 5 and 7 year fixed Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- X18 Sample Special Conditions for Together Exclusives from 9 Jan 2003 Fixed mortgage loans - 2, 3, 5 and 7 year fixed Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- X19 Sample Special Conditions for Together Exclusives from 9 Jan 2003 mortgage loans Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- 63 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- X20 Together Connection Conditions MAR 631 From Nov 2002 Northern Rock plc 27.11.02 - -------------------------------------------------------------------------------------------------------------------------- X21 Together Connection Savings Options Form MAR 635/1.03 From Jan 2003 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- X22 Connections Terms and Conditions Save Direct MAR 633/14478 Valid until further notice 1 Jan 2004 - -------------------------------------------------------------------------------------------------------------------------- X23 Connections Terms and Conditions Current Account MAR 634/14478 Valid until further notice 1 Jan 2004 - -------------------------------------------------------------------------------------------------------------------------- X24 Pro-forma Letter to Borrower regarding Completion of a Together Connections Loan 31 Oct 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- Y Mortgage Deeds - -------------------------------------------------------------------------------------------------------------------------- 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 purchase UE1/0700 From Jul 2000 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 Agreement - TFDA/0700 From Jul 2000 Addendum to Instructions to Solicitors/Licensed Conveyancers (with Certificate of Solicitor/Licensed Conveyancer on reverse) - -------------------------------------------------------------------------------------------------------------------------- Z5 "Together" Loan Drawdown Loan Agreement - Addendum TFDA/0501 From May 2001 to Instructions to Solicitors/Licensed Conveyancers (with Certificate of Solicitor/Licensed Conveyancer on reverse) - -------------------------------------------------------------------------------------------------------------------------- Z6 Loan Drawdown Loan Agreement - Addendum to A2S/0502 From May 2002 Instructions to Solicitors/Licensed Conveyancers (refers to Together Connections Mortgages) - -------------------------------------------------------------------------------------------------------------------------- 64 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- Z7 Drawdown Loan Agreement - Addendum to Instructions A2S/0702 From Jul 2002 to Solicitors/Licensed Conveyancers (refers to Together Connections Mortgages) - -------------------------------------------------------------------------------------------------------------------------- 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 Introduction DEV 456 From 1 Jul 1997 Northern Rock Building Society 01.7.1997 - -------------------------------------------------------------------------------------------------------------------------- AA3 NOT USED - -------------------------------------------------------------------------------------------------------------------------- AA4 Secured Personal Loans - An Introduction MAR 3 From 1 Oct 1997 Northern Rock plc 01.10.1997 - -------------------------------------------------------------------------------------------------------------------------- AA5 Secured Personal Loans - An Introduction MAR 3 From 15 Dec 1997 Northern Rock plc 15.12.1997 - -------------------------------------------------------------------------------------------------------------------------- AA6 Secured Personal Loans - An Introduction MAR 3 From 12 Feb 1998 Northern Rock plc 12.2.1998 - -------------------------------------------------------------------------------------------------------------------------- AA7 Secured Personal Loans - An Introduction MAR 3/8208 From 1 Jun 1998 Northern Rock plc 01.06.1998 - -------------------------------------------------------------------------------------------------------------------------- AA8 Secured Personal Loans - An Introduction MAR 3/9195 From 20 Aug 1999 Northern Rock plc 20.8.1999 - -------------------------------------------------------------------------------------------------------------------------- AA9 Give me the Facts - Secured Loans Explained MAR 3/9668 From 4 Mar 2000 Northern Rock plc 04.3.2000 - -------------------------------------------------------------------------------------------------------------------------- AA10 Give me the Facts - Secured Loans Explained MAR 3/11279 From 10 May 2001 Northern Rock plc 10.5.2001 - -------------------------------------------------------------------------------------------------------------------------- AA11 Secured Loans Explained MAR 3/12506 From 4 May 2002 Northern Rock plc 04.5.2002 - -------------------------------------------------------------------------------------------------------------------------- AA12 We can fix it - A Secured Personal Loan MAR 124/8813 From 1 Jun 1998 Northern Rock plc 01.6.1998 - -------------------------------------------------------------------------------------------------------------------------- AA13 We can fix it - A Secured Personal Loan MAR 125/8664 From 22 Jan 1999 Northern Rock plc 22.1.1999 - -------------------------------------------------------------------------------------------------------------------------- AA14 We can fix it - A Secured Personal Loan MAR 125/9459 From 1 Nov 1999 Northern Rock plc 01.11.1999 - -------------------------------------------------------------------------------------------------------------------------- AA15 We can fix it - A Secured Personal Loan MAR 125/9714 From 17 Jan 2000 Northern Rock plc 17.1.2000 - -------------------------------------------------------------------------------------------------------------------------- AA16 Let Me Plan Ahead - Secured Loans with a Fixed Rate MAR 125/11038 From 21 Feb 2001 Northern Rock plc 21.2.2001 - -------------------------------------------------------------------------------------------------------------------------- AA17 Let Me Plan Ahead - Secured Loans with a Fixed Rate MAR 125/11216 From 6 Apr 2001 Northern Rock plc 06.4.2001 - -------------------------------------------------------------------------------------------------------------------------- AA18 Let Me Plan Ahead - Secured Loans with a Fixed Rate MAR 125/11815 From 19 Sep 2001 Northern Rock plc 19.9.2001 - -------------------------------------------------------------------------------------------------------------------------- 65 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- AA19 I Want to Plan Ahead - Secured Loans with a Fixed MAR 125/12507 From May 2002 Rate May 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- AA20 Secured Personal Loans - A guide to costs DEV 220 From 14 Jul 1995 Northern Rock Building Society 14.7.1995 - -------------------------------------------------------------------------------------------------------------------------- AA21 Secured Personal Loans - A guide to costs DEV 220 From 16 Oct 1995 Northern Rock Building Society 16.10.1995 - -------------------------------------------------------------------------------------------------------------------------- AA22 Secured Personal Loans - A guide to costs DEV 220 From 28 Nov 1995 Northern Rock Building Society 28.11.1995 - -------------------------------------------------------------------------------------------------------------------------- AA23 Secured Personal Loans - A guide to costs DEV 220 From 15 Feb 1996 Northern Rock Building Society 15.2.1996 - -------------------------------------------------------------------------------------------------------------------------- AA24 Secured Personal Loans - A guide to costs DEV 376 From 1 Apr 1996 Northern Rock Building Society 01.4.1996 - -------------------------------------------------------------------------------------------------------------------------- AA25 Secured Personal Loans - A guide to costs DEV 377 From 22 Apr 1996 Northern Rock Building Society 22.4.1996 - -------------------------------------------------------------------------------------------------------------------------- AA26 Secured Personal Loans - A guide to costs DEV 377 From 25 Aug 1996 Northern Rock Building Society 25.8.1996 - -------------------------------------------------------------------------------------------------------------------------- AA27 Secured Personal Loans - A guide to costs DEV 377 From 23 Oct 1996 Northern Rock Building Society 23.10.1996 - -------------------------------------------------------------------------------------------------------------------------- AA28 Secured Personal Loans - A guide to costs DEV 377 From 3 Jan 1997 Northern Rock Building Society 03.1.1997 - -------------------------------------------------------------------------------------------------------------------------- AA29 Secured Personal Loans - A guide to costs DEV 377 From 1 Mar 1997 Northern Rock Building Society 01.3.1997 - -------------------------------------------------------------------------------------------------------------------------- AA30 Secured Personal Loans - A guide to costs DEV 377 From 7 Apr 1997 Northern Rock Building Society 07.4.1997 - -------------------------------------------------------------------------------------------------------------------------- AA31 Secured Personal Loans - A guide to costs DEV 377 From 1 May 1997 Northern Rock Building Society 01.5.1997 - -------------------------------------------------------------------------------------------------------------------------- AA32 Secured Personal Loans - A guide to costs DEV 457 From 23 Jul 1997 Northern Rock Building Society 23.7.1997 - -------------------------------------------------------------------------------------------------------------------------- AA33 Secured Personal Loans - A guide to costs DEV 457 From 18 Aug 1997 Northern Rock plc 18.8.1997 - -------------------------------------------------------------------------------------------------------------------------- AA34 Secured Personal Loans - A guide to costs MAR 4 From 1 Oct 1997 Northern Rock plc 01.10.1997 - -------------------------------------------------------------------------------------------------------------------------- AA35 Secured Personal Loans - A guide to costs MAR 4 From 1 Dec 1997 Northern Rock plc 01.12.1997 - -------------------------------------------------------------------------------------------------------------------------- AA36 Secured Personal Loans - A guide to costs MAR 4/8208 From 1 Jun 1998 Northern Rock plc 01.6.1998 - -------------------------------------------------------------------------------------------------------------------------- AA37 Secured Personal Loans - A guide to costs MAR 4/8267 From 3 Jul 1998 Northern Rock plc 03.7.1998 - -------------------------------------------------------------------------------------------------------------------------- AA38 Secured Personal Loans - A guide to costs MAR 4/8748 From 1 Jan 1999 Northern Rock plc 01.2.1999 - -------------------------------------------------------------------------------------------------------------------------- AA39 Secured Personal Loans - A guide to costs MAR 4/9155 From 24 Jul 1999 Northern Rock plc 24.7.1999 - -------------------------------------------------------------------------------------------------------------------------- AA40 Secured Personal Loans - A guide to costs MAR 4/9358 From 1 Oct 1999 Northern Rock plc 01.10.1999 - -------------------------------------------------------------------------------------------------------------------------- AA41 Secured Personal Loans - A guide to costs MAR 4/9680 From 5 Feb 2000 Northern Rock plc 05.2.2000 - -------------------------------------------------------------------------------------------------------------------------- 66 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- AA42 Give me the figures - Secured Loan Costs in Black MAR 4/9668 From 4 Mar 2000 and White 04.3.2000 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- AA43 Give me the figures - Secured Loan Costs in Black MAR 4/11007 From 3 Mar 2001 and White 03.3.2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- AA44 Give me the figures - Secured Loan Costs in Black MAR 4/11138 From 1 May 2001 and White 01.5.2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- AA45 Give me the figures - Secured Loan Costs in Black MAR 4/11313 From 10 May 2001 and White 10.5.2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- AA46 Give me the figures - Secured Loan Costs in Black MAR 4/11619 From 1 Sep 2001 and White 01.9.2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- AA47 Give me the figures - Secured Loan Costs in Black MAR 4/11814 From 6 Oct 2001 and White 06.10.2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- AA48 Give me the figures - Secured Loan Costs in Black MAR 4/12015 From 8 Nov 2001 and White 08.11.2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- AA49 Give me the figures - Secured Loan Costs in Black MAR 4/12449 From 1 Dec 2001 and White 01.12.2001 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- AA50 Secured Loans - Costs in Black and White MAR4/13517 Valid until further notice Northern Rock plc 8.2.03 8.2.03 - -------------------------------------------------------------------------------------------------------------------------- AA51 Secured Personal Loans - A guide to costs Dev. 220 Valid until further notice 1 Jan 95 - -------------------------------------------------------------------------------------------------------------------------- AA52 Flexible borrowing on your mortgage - Secured Dev. 182 Valid until further notice Personal Loans. The Flexible Plan 1 Jan 95 - -------------------------------------------------------------------------------------------------------------------------- AA53 Borrowing a fixed amount on your mortgage - Secured Dev. 181 Valid until further notice Personal Loans. The Fixed Sum Plan 1 Jan 95 - -------------------------------------------------------------------------------------------------------------------------- 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 - Hard Dev. 181 Valid until further notice to Beat 12 Jun 95 - -------------------------------------------------------------------------------------------------------------------------- AA57 Secured Personal Loans - The Fixed Sum Plan - Hard Dev. 181 Valid until further notice to Beat 28 Nov 95 - -------------------------------------------------------------------------------------------------------------------------- AA58 Deed of Variation of Mortgage and Receipt for SEC40/10.97 Oct 1997 Further Advance - -------------------------------------------------------------------------------------------------------------------------- AA59 Deed of Variation of Security and Receipt for ADV152./10.97 Oct 1997 Further Advance - -------------------------------------------------------------------------------------------------------------------------- AA60 Receipt for Further Advance ADV60./10.97 Oct 1997 - -------------------------------------------------------------------------------------------------------------------------- AA61 Report on Title (Scotland) ADV268./10.97 Oct 1997 - -------------------------------------------------------------------------------------------------------------------------- AA62 Standard Security SEC53/10.97 Oct 1997 - -------------------------------------------------------------------------------------------------------------------------- 67 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- AA63 Secured Personal Loans - A guide to costs - Hard to MAR 4/8748 Valid until further notice Beat 1 Feb 99 - -------------------------------------------------------------------------------------------------------------------------- AA64 Mortgage Deed (Flexible Plan) - 3 Copies MD1/0900 Sep 2000 - -------------------------------------------------------------------------------------------------------------------------- AA65 Mortgage Deed (Flexible Plan) - 3 Copies MD3/0900 Sep 2000 - -------------------------------------------------------------------------------------------------------------------------- AA66 Changes in Ownership of Mortgaged Property ADV54.11/00 Nov 2000 - -------------------------------------------------------------------------------------------------------------------------- AA67 Pay Safe - Payment Protection MAR8/11165 Valid until further notice 1 May 2001 - -------------------------------------------------------------------------------------------------------------------------- AA68 Re-Advance/Further Advance Receipt SEC37/07.01 Jul 2001 - -------------------------------------------------------------------------------------------------------------------------- AA69 The Mortgage Code - You and your mortgage 03/02 Mar 2002 - -------------------------------------------------------------------------------------------------------------------------- AA70 I want to plan ahead - Secured Loans with a Fixed MAR125/12507 Valid until further notice Rate 4 May 2002 - -------------------------------------------------------------------------------------------------------------------------- AA71 Tell a Friend about our Mortgages and (GBP)50 could MAR507/12836 Valid until further notice be yours Jul 2002 - -------------------------------------------------------------------------------------------------------------------------- AA72 Insurance - I need you to be there sometimes MAR389/12950 Valid until further notice Sep 2002 - -------------------------------------------------------------------------------------------------------------------------- AA73 Loan Agreement (Flexible Plan) - 3 Copies ACR2Z/0103 Jan 2003 (ACR2A/1000, ACR2B/1000, ACR2C/1000) - -------------------------------------------------------------------------------------------------------------------------- AA74 Credit Agreement Regulated by the Consumer Credit ACR1Z/0103 Jan 2003 Act 1974 (Flexible Plan) - 3 Copies (ACR1A/1000, ACR1B/1000, ACR1C/1000) - -------------------------------------------------------------------------------------------------------------------------- AA75 Credit Agreement Regulated by Consumer Credit Act ACR3Z/0103 Jan 2003 1974 - 3 Copies - -------------------------------------------------------------------------------------------------------------------------- AA76 Secured Loans Explained MAR3/13518 Valid until further notice 7 Feb 2003 - -------------------------------------------------------------------------------------------------------------------------- AA77 Credit Agreement Regulated by the Consumer Credit MD1/0900 19 Feb 2003 Act 1974 (Omiga Flexible Plan) + Mortgage Deed - -------------------------------------------------------------------------------------------------------------------------- AA78 Credit Agreement Regulated by the Consumer Credit SEC54/04.98 19 Feb 2003 Act 1974 (Omiga PSL Base) + Mortgage Deed - -------------------------------------------------------------------------------------------------------------------------- AA79 Credit Agreement Regulated by the Consumer Credit SEC54/04.98 19 Feb 2003 Act 1974 (Omiga PSL Fixed) + Mortgage Deed - -------------------------------------------------------------------------------------------------------------------------- AA80 Secured Loans - Costs in Black and White MAR 4/14011 Valid until further notice 14 Jul 03 - -------------------------------------------------------------------------------------------------------------------------- 68 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- AA81 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS01/AG/* Personal Secured Loan - -------------------------------------------------------------------------------------------------------------------------- AA82 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS02/AG/* Loan Documents for Signature - -------------------------------------------------------------------------------------------------------------------------- AA83 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS03/AG/* Personal Secured Loan - -------------------------------------------------------------------------------------------------------------------------- AA84 Pro-forma Letter from A Gadomski re. Further Advance(PLN)/PERS04/AG/* - -------------------------------------------------------------------------------------------------------------------------- AA85 Form attached to (PLN)/PERS04/AG/* (PLN)/PERS05/AG/* - -------------------------------------------------------------------------------------------------------------------------- AA86 Pro-forma Letter from A Gadomski re. Personal (PLN)/PERS06/AG/* Secured Loan - -------------------------------------------------------------------------------------------------------------------------- AA87 Pro-forma Letter from A Gadomski re. Personal (PLN)/PERS06RA/AG/* Secured Loan - -------------------------------------------------------------------------------------------------------------------------- AA88 Pro-forma Letter from A Gadomski re. Personal (PLN)/PERS07/AG/* Secured Loan - -------------------------------------------------------------------------------------------------------------------------- AA89 Pro-forma Letter from A Gadomski re. Postponement (PLN)/PERS08/AG/* of Second Charge - -------------------------------------------------------------------------------------------------------------------------- AA90 Pro-forma Deed of Postponement (PLN)/PERS09 - -------------------------------------------------------------------------------------------------------------------------- AA91 Pro-forma Deed of Postponement (PLN)/PERS10 - -------------------------------------------------------------------------------------------------------------------------- AA92 Pro-forma Deed of Postponement (PLN)/ PERS10A - -------------------------------------------------------------------------------------------------------------------------- AA93 Pro-forma Letter from A Gadomski re. Repayment of (PLN)/PERS11/AG/* Loan - -------------------------------------------------------------------------------------------------------------------------- AA94 Pro-forma Letter from A Gadomski re. Repayment of (PLN)/PERS11A/AG/* Loan - -------------------------------------------------------------------------------------------------------------------------- AA95 Pro-forma Letter from A Gadomski re. Application for (PLN)/PERS12/AG/* Personal Secured Loan - -------------------------------------------------------------------------------------------------------------------------- AA96 Mortgage Deed (Relating to a Regulated Agreement MD2/0900 and under the Consumer Credit Act 1974) - Original + 2 MD2B/0900 Copies - -------------------------------------------------------------------------------------------------------------------------- AA97 Credit Agreement regulated by the Consumer Credit CA127Z/0900 Act 1974 - Original + 2 Copies - -------------------------------------------------------------------------------------------------------------------------- AA98 Credit Agreement Regulated by the Consumer Credit CA126Z/0103 Act 1974 - Original + 2 Copies - -------------------------------------------------------------------------------------------------------------------------- AA99 Credit Agreement Regulated by the Consumer Credit CA138Z/0900 Act 1974 - Original + 2 Copies - -------------------------------------------------------------------------------------------------------------------------- 69 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- AA100 Credit Agreement Regulated by the Consumer Credit CA125Z/0102 Act 1974 - Original + 2 Copies - -------------------------------------------------------------------------------------------------------------------------- AA101 Re-Advance/Further Advance Receipt (Omiga Further Advance) - -------------------------------------------------------------------------------------------------------------------------- AA102 Deed of Variation of Mortgage and Receipt for Further Advance (Omiga Further Advance) - -------------------------------------------------------------------------------------------------------------------------- AA103 English Flexible Plan Paragraphs - -------------------------------------------------------------------------------------------------------------------------- AA104 English PSL Paragraphs - -------------------------------------------------------------------------------------------------------------------------- AA105 Further Advance Paragraphs - -------------------------------------------------------------------------------------------------------------------------- AA106 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS13/AG/* Offer of Further Advance - -------------------------------------------------------------------------------------------------------------------------- AA107 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS14/AG/* Further Advance Application - -------------------------------------------------------------------------------------------------------------------------- AA108 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS15/AG/* Further Advance Application - -------------------------------------------------------------------------------------------------------------------------- AA109 Pro-forma Letter from A Gadomski re. Further (PLN)/PERS16/AG/* Advance - -------------------------------------------------------------------------------------------------------------------------- AA110 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS17/AG/* Offer of Further Advance - -------------------------------------------------------------------------------------------------------------------------- AA111 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS18/AG/* Further Advance Application - -------------------------------------------------------------------------------------------------------------------------- AA112 Pro-forma Letter from A Gadomski re. Postponement of (PLN)/PERS19/AG/* Second Charge - -------------------------------------------------------------------------------------------------------------------------- AA113 Deed of Postponement (PLN)/PERS20 - -------------------------------------------------------------------------------------------------------------------------- AA114 Deed of Postponement (PLN)/PERS21 - -------------------------------------------------------------------------------------------------------------------------- AA115 Deed of Postponement (PLN)/PERS21A - -------------------------------------------------------------------------------------------------------------------------- AA116 Deed of Postponement (PLN)/PERS21A - -------------------------------------------------------------------------------------------------------------------------- AA117 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS22/AG/* Further Advance - -------------------------------------------------------------------------------------------------------------------------- AA118 Pro-forma Letter from A Gadomski re. Additional (PLN)/PERS22A/AG/* Advance - -------------------------------------------------------------------------------------------------------------------------- AA119 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS24AG/* Personal Secured Loan, Further Advance - -------------------------------------------------------------------------------------------------------------------------- AA120 Pro-forma Letter from A Gadomski re. Repayment of (PLN)/PERS25AG/* Loan - -------------------------------------------------------------------------------------------------------------------------- 70 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- AA121 Pro-forma Letter from A Gadomski re. Personal (PLN)/PERS26AG/* Secured Loan - -------------------------------------------------------------------------------------------------------------------------- AA122 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS28AG/* Additional Advance Application - -------------------------------------------------------------------------------------------------------------------------- AA123 Pro-forma Letter from A Gadomski re. Postponement of (PLN)/PERS30AG/* Second Charge - -------------------------------------------------------------------------------------------------------------------------- AA124 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS31AG/* Redemption Figure Request - -------------------------------------------------------------------------------------------------------------------------- AA125 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS37AG/* Application for Personal Secured Loan - -------------------------------------------------------------------------------------------------------------------------- AA126 Pro-forma Letter from A Gadomski re. Personal (PLN)/PERS39AG/* Secured Loan - -------------------------------------------------------------------------------------------------------------------------- AA127 Form acknowledging receipt of advance (PLN)/PERS40 - -------------------------------------------------------------------------------------------------------------------------- AA128 Form re. Certificate of Consent (PLN)/PERS41 - -------------------------------------------------------------------------------------------------------------------------- AA129 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS50/AG/* Release and Discharge - -------------------------------------------------------------------------------------------------------------------------- AA130 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS51/AG/* Release and Discharge - -------------------------------------------------------------------------------------------------------------------------- AA131 Application for a Further Advance Loan (PLN)/PERS38/AG/* - -------------------------------------------------------------------------------------------------------------------------- AA132 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS52/AG/* Personal Secured Loan - -------------------------------------------------------------------------------------------------------------------------- AA133 Pro-forma Letter from A Gadomski to Customer re. (PLN)/PERS53/AG/* Personal Secured Loan - -------------------------------------------------------------------------------------------------------------------------- AA134 Deed of Postponement (PLN)/PERS21B - -------------------------------------------------------------------------------------------------------------------------- AA135 Deed of Postponement (PLN)/PERS10B - -------------------------------------------------------------------------------------------------------------------------- AA136 Pro-forma Letter from A Gadomski to Customer re. (PLN)/FLEX01/AG/* Flexible Plan Loan - -------------------------------------------------------------------------------------------------------------------------- AA137 Pro-forma Letter from A Gadomski to Customer re. (PLN)/FLEX02/AG/* Flexible Plan Loan - -------------------------------------------------------------------------------------------------------------------------- AA138 Pro-forma Letter from A Gadomski to Customer re. (PLN)/FLEX03/AG/* Flexible Plan Loan - -------------------------------------------------------------------------------------------------------------------------- AA139 Application for Flexible Plan Loan (PLN)/FLEX04/SO/* - -------------------------------------------------------------------------------------------------------------------------- AA140 Pro-forma Letter from A Gadomski re. Postponement of (PLN)/FLEX05/AG/* Second Charge - -------------------------------------------------------------------------------------------------------------------------- 71 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- AA141 Deed of Postponement (PLN)/FLEX06 - -------------------------------------------------------------------------------------------------------------------------- AA142 Deed of Postponement (PLN)/FLEX07 - -------------------------------------------------------------------------------------------------------------------------- AA143 Deed of Postponement (PLN)/FLEX07A - -------------------------------------------------------------------------------------------------------------------------- AA144 Pro-forma Letter from A Gadomski re. Repayment of (PLN)/FLEX08/AG/* Loan - -------------------------------------------------------------------------------------------------------------------------- AA145 Pro-forma Letter from A Gadomski re. Repayment of (PLN)/FLEX08A/AG/* Loan - -------------------------------------------------------------------------------------------------------------------------- AA146 Pro-forma Letter from A Gadomski re. Application (PLN)/FLEX09/AG/* from Borrower - -------------------------------------------------------------------------------------------------------------------------- AA147 Pro-forma Letter from A Gadomski re. Flexible Plan (PLN)/FLEX10/AG/* Loan - -------------------------------------------------------------------------------------------------------------------------- AA148 Pro-forma Letter from A Gadomski re. Personal (PLN)/FLEX11/AG/* Secured Loan - -------------------------------------------------------------------------------------------------------------------------- AA149 Extract from Title Deeds (PLN)/FLEX12/SO/* - -------------------------------------------------------------------------------------------------------------------------- AA150 Pro-forma Letter from A Gadomski to Customer re. (PLN)/FLEX13/AG/* Flexible Plan Loan - -------------------------------------------------------------------------------------------------------------------------- AA151 Pro-forma Letter from A Gadomski re. Flexible Plan (PLN)/FLEX14/AG/* Loan - -------------------------------------------------------------------------------------------------------------------------- AA152 Pro-forma Letter from A Gadomski re. Flexible Plan (PLN)/FLEX14RA/AG/* Loan - -------------------------------------------------------------------------------------------------------------------------- AA153 Pro-forma Letter from A Gadomski re. Flexible Plan (PLN)/FLEX15/AG/* Loan - -------------------------------------------------------------------------------------------------------------------------- AA154 Pro-forma Letter from A Gadomski re. Flexible Plan (PLN)/FLEX15RA/AG/* Loan - -------------------------------------------------------------------------------------------------------------------------- AA155 Pro-forma Letter from A Gadomski re. Flexible Plan (PLN)/FLEX16/AG/* Loan - -------------------------------------------------------------------------------------------------------------------------- AA156 Pro-forma Letter from A Gadomski to Customer re. (PLN)/FLEX24/AG/* Flexible Plan Loan - -------------------------------------------------------------------------------------------------------------------------- AA157 Pro-forma Letter from A Gadomski re. Title Deeds (PLN)/FLEX25/AG/* - -------------------------------------------------------------------------------------------------------------------------- AA158 Pro-forma Letter from A Gadomski re. Title Deeds (PLN)/FLEX25A/AG/* - -------------------------------------------------------------------------------------------------------------------------- AA159 Pro-forma Letter from A Gadomski to Customer re. (PLN)/FLEX26/AG/* Proposed Further Advance - -------------------------------------------------------------------------------------------------------------------------- 72 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- AA160 Pro-forma Letter from A Gadomski to Customer re. (PLN)/FLEX27/AG/* Flexible Plan Loan - -------------------------------------------------------------------------------------------------------------------------- AA161 Pro-forma Letter from A Gadomski re. Further (PLN)/FLEX26B/AG/* Advance Loan - -------------------------------------------------------------------------------------------------------------------------- AA162 Pro-forma Letter from A Gadomski re. Further (PLN)/FLEX26A/AG/* Advance Loan - -------------------------------------------------------------------------------------------------------------------------- AA163 Pro-forma Letter from A Gadomski re. Further (PLN)/FLEX25B/AG/* Advance Loan - -------------------------------------------------------------------------------------------------------------------------- AA164 Pro-forma Letter from A Gadomski re. Property (PLN)/FLEX25C/AG/* - -------------------------------------------------------------------------------------------------------------------------- AA165 Pro-forma Letter from A Gadomski to Customer re. (PLN)/FLEX28/AG/* Flexible Plan Loan - -------------------------------------------------------------------------------------------------------------------------- AA166 Pro-forma Letter from A Gadomski to Customer re. (PLN)/FLEX29/AG/* Flexible Plan Loan - -------------------------------------------------------------------------------------------------------------------------- AA167 Deed of Postponement (PLN)/FLEX07B - -------------------------------------------------------------------------------------------------------------------------- AA168 Pro-forma Letter from A Gadomski to Customer re. (PLN)/FLEX26/AG/* Proposed Further Advance - -------------------------------------------------------------------------------------------------------------------------- AA169 Certificate of Consent - -------------------------------------------------------------------------------------------------------------------------- AA170 Loan Agreement (Flexible Plan - Scotland) ACR4Z/0103 - 3 Copies - -------------------------------------------------------------------------------------------------------------------------- AA171 Omiga/BMA Branch Pack - For Your Reference - -------------------------------------------------------------------------------------------------------------------------- AA172 Secured Personal Loan Application Form ADV031 Jun 2004 - -------------------------------------------------------------------------------------------------------------------------- AA173 Secured Personal Loan Application Form ADV031 Sept2004 - -------------------------------------------------------------------------------------------------------------------------- AA174 Secured Personal Loans Explained MAR 749/15496 31 Oct 2004 - -------------------------------------------------------------------------------------------------------------------------- AA175 Secured Personal Loan Application Form LEG16 Nov 2004 - -------------------------------------------------------------------------------------------------------------------------- AA176 Pro-forma Deed of Postponement - -------------------------------------------------------------------------------------------------------------------------- AA177 Pro-forma Deed of Postponement (Flexible Mortgage) - -------------------------------------------------------------------------------------------------------------------------- AA178 Secured Personal Loan Application Form LEG16 1 Jun 2005 - -------------------------------------------------------------------------------------------------------------------------- 73 Part 5 Non-material documents - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- BB - -------------------------------------------------------------------------------------------------------------------------- BB1 Instructions to Solicitors - Fixed Sum Plan ADV 269 5.98 From May 1998 (Scotland) Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- BB2 Instructions to Solicitors - Fixed Sum Plan ADV 269a 5.98 From May 1998 (Scotland) Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- BB3 Deed of Variation of Security and Receipt for SOL009 09/00 From Sep 2000. Not used by further Further Advance (Scotland) advance dept. Used by product Northern Rock plc 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. - -------------------------------------------------------------------------------------------------------------------------- BB4 Help Me Buy to Let - Mortgages for Landlords MAR 466/11665 From 3 Sep 2001 Northern Rock plc 03.9.2001 - -------------------------------------------------------------------------------------------------------------------------- BB5 Help Me Buy to Let - Mortgages for Landlords MAR 466/11794 From 19 Sep 2001 Northern Rock plc 19.9.2001 - -------------------------------------------------------------------------------------------------------------------------- BB6 Help Me Buy to Let - Mortgages for Landlords MAR 466/11856 From 4 Oct 2001 Northern Rock plc 04.10.2001 - -------------------------------------------------------------------------------------------------------------------------- BB7 Help Me Buy to Let - Mortgages for Landlords MAR 466/11974 From 8 Nov 2001 Northern Rock plc 08.11.2001 - -------------------------------------------------------------------------------------------------------------------------- BB8 Help Me Buy to Let - Mortgages for Landlords MAR 466/12222 From 7 Jan 2002 Northern Rock plc 07.1.2002 - -------------------------------------------------------------------------------------------------------------------------- BB9 I want to buy to let - Mortgages for Landlords MAR 466/12470 From 20 Mar 2002 Northern Rock plc 20.3.2002 - -------------------------------------------------------------------------------------------------------------------------- BB10 I want to buy to let - Mortgages for Landlords MAR 466/12645 From 10 May 2002 Northern Rock plc 10.5.2002 - -------------------------------------------------------------------------------------------------------------------------- BB11 I want to buy to let - Mortgages for Landlords MAR 466/12861 From 26 Jul 2002 Northern Rock plc 26.7.2002 - -------------------------------------------------------------------------------------------------------------------------- BB12 I want to buy to let - Mortgages for Landlords MAR 466/12861 From 6 Aug 2002 Northern Rock plc 06.8.2002 - -------------------------------------------------------------------------------------------------------------------------- BB13 I want to buy to let - Mortgages for Landlords MAR 466/13148 From 21 Oct 2002 Northern Rock plc 21.10.2002 - -------------------------------------------------------------------------------------------------------------------------- BB14 I want to buy to let - Mortgages for Landlords MAR 466/13232 From 8 Nov 2002 Northern Rock plc 08.11.2002 - -------------------------------------------------------------------------------------------------------------------------- BB15 Sample Special Conditions for Bradford & Bingley From 9 Jan 2003 Together Exclusives (Variable) Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- BB16 Sample Special Conditions for Bradford & Bingley From 9 Jan 2003 Together Exclusives Fixed mortgage loans - 2, 3, 5 and 7 year fixed Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- BB17 Sample Special Conditions for Buy to Let 2 year From 9 Jan 2003 Fixed Rate Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- 74 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- BB18 Sample Special Conditions for Buy to Let 1.5% 5 year From 9 Jan 2003 Tracker Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- BB19 Sample Wording - Buy to Let - Help With Costs Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- BB20 Sample Special Conditions for HERM Cashplus Fixed From 9 Jan 2003 and Capped/ Exclusive HERM Cashplus Fixed and Capped/ SIFA HERM Cashplus Fixed and Capped Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- BB21 Sample Special Conditions for HERM Standard Fixed From 9 Jan 2003 and Capped/ HERM Standard Fixed and Capped Exclusives/ SIFA HERM Standard Fixed and Capped Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- BB22 Sample Special Conditions for Legal & General From 9 Jan 2003 Together Exclusives (Variable) Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- BB23 Sample Special Conditions for Legal & General From 9 Jan 2003 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 Sep 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 [insurance] MAR 389/12958 From Sep 2002 Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- BB29 Buy to Let Mortgages MAR 750/15840 31.10.04 - -------------------------------------------------------------------------------------------------------------------------- BB30 Buy to Let Mortgages MAR 750 12.04 - -------------------------------------------------------------------------------------------------------------------------- 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 and Conditions - MAR 634/13347 Valid until further notice - Small but important 27.11.2002 27.11.2002 - -------------------------------------------------------------------------------------------------------------------------- CC2 Connections - Save Direct Terms and Conditions - MAR 633/13347 Valid until further notice - Small but important 27.11.2002 27.11.2002 - -------------------------------------------------------------------------------------------------------------------------- CC3 Mortgages - Options for your Connections Mortgage MAR 632/13363 Valid until further notice - 27.11.2002 27.11.2002 - -------------------------------------------------------------------------------------------------------------------------- CC4 Mortgages - I Want to Shrink my Mortgage MAR 625/13245 Valid until further notice - 27.11.2002 27.11.2002 - -------------------------------------------------------------------------------------------------------------------------- 75 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- 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 630/13499 Valid until further notice - 08.2.2003 - -------------------------------------------------------------------------------------------------------------------------- CC9 Connections - What's it going to Cost? MAR 630/13685 Valid until further notice - 01.4.2003 - -------------------------------------------------------------------------------------------------------------------------- CC10 Connections - What's it going to Cost? MAR 630/13833 Valid until further notice - 20.5.2003 - -------------------------------------------------------------------------------------------------------------------------- CC11 Connections - What's it going to cost? MAR 630/13833 Valid until further notice 9 Sep 2003 - -------------------------------------------------------------------------------------------------------------------------- CC12 Connections - What's it going to cost? MAR 630/13833 Valid until further notice 14 Oct 2003 - -------------------------------------------------------------------------------------------------------------------------- CC13 Connections - What's it going to cost? MAR 630/13833 Valid until further notice 17 Nov 2003 - -------------------------------------------------------------------------------------------------------------------------- CC14 Mortgages - I Want to Shrink my Mortgage MAR 625/14519 Valid until further notice 1 Dec 2003 - -------------------------------------------------------------------------------------------------------------------------- CC15 Connections - What's it going to cost? MAR 630/13833 Valid until further notice 17 Dec 2003 - -------------------------------------------------------------------------------------------------------------------------- CC16 Mortgages - I Want to Shrink my Mortgage MAR 625A/14813 Valid until further notice 20 Jan 2004 - -------------------------------------------------------------------------------------------------------------------------- CC17 Connections - What's it going to cost? MAR 630/13833 Valid until further notice 20 Jan 2004 - -------------------------------------------------------------------------------------------------------------------------- CC18 Connections - What's it going to cost? MAR 630/13833 Valid until further notice 16 Feb 2004 - -------------------------------------------------------------------------------------------------------------------------- CC19 Mortgages - I Want to Shrink my Mortgage MAR 625/15007 Valid until further notice 9 Mar 2004 - -------------------------------------------------------------------------------------------------------------------------- CC20 Connections - What's it going to cost? MAR 630/13833 Valid until further notice 25 Mar 2004 - -------------------------------------------------------------------------------------------------------------------------- CC21 Connections - What's it going to cost? MAR 630/13833 Valid until further notice 22 Jun 2004 - -------------------------------------------------------------------------------------------------------------------------- CC22 Connections - What's it going to cost? MAR 630/13833 Valid until further notice 9 Jul 2004 - -------------------------------------------------------------------------------------------------------------------------- CC23 Connections - What's it going to cost? MAR 630 Valid until further notice 16 Aug 2004 - -------------------------------------------------------------------------------------------------------------------------- CC24 Connections - What's it going to cost? MAR 630 Valid until further notice 16 Aug 2004 - -------------------------------------------------------------------------------------------------------------------------- CC25 Connections - What's it going to cost? MAR 630 Valid until further notice 20.10.2004 - -------------------------------------------------------------------------------------------------------------------------- CC26 Options for your Connections Mortgage MAR 632/14878 Valid until further notice 23 Feb 2004 - -------------------------------------------------------------------------------------------------------------------------- DD Mortgage Application Forms - -------------------------------------------------------------------------------------------------------------------------- DD1 Mortgage Application Form ADV4.02.03 Feb 2003 - -------------------------------------------------------------------------------------------------------------------------- EE Connections Credit/Loan Agreements - -------------------------------------------------------------------------------------------------------------------------- EE1 - -------------------------------------------------------------------------------------------------------------------------- 76 - -------------------------------------------------------------------------------------------------------------------------- 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 - -------------------------------------------------------------------------------------------------------------------------- GG Mortgage Deeds - -------------------------------------------------------------------------------------------------------------------------- GG1 - -------------------------------------------------------------------------------------------------------------------------- HH Supplementary Instructions to Solicitors - -------------------------------------------------------------------------------------------------------------------------- HH1 - -------------------------------------------------------------------------------------------------------------------------- II Miscellaneous Mortgage Documents - -------------------------------------------------------------------------------------------------------------------------- II1 Connections Savings Options Form MAR 635/1.03 Jan 2003 - -------------------------------------------------------------------------------------------------------------------------- II2 Memo re New Mortgage Product Statement of 11 Aug 2003 Requirements - Connections 7 Year Flexible Discount Tracker - -------------------------------------------------------------------------------------------------------------------------- II3 Pro forma Covering Letter to customer enclosing Ref: CUSTADMIN/JW 2 Sep 2003 Connections Pack - -------------------------------------------------------------------------------------------------------------------------- (i) 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/Occupancy Rights) ADV 77/1/87 SECa37/11/93urther Advance Receipt - -------------------------------------------------------------------------------------------------------------------------- JJ3 Additional Advance Cheque Request ADV 133. 01/94 - -------------------------------------------------------------------------------------------------------------------------- JJ4 Standard Security ADV 58. 01/94 - -------------------------------------------------------------------------------------------------------------------------- JJ5 Report on Title (Scotland) - Regulated Loan ADV 136. 01/94 Jan 1994 - -------------------------------------------------------------------------------------------------------------------------- JJ6 Deed of Variation of Security and Receipt for ADV152. 01/94 Jan 1994 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 Purposes on Behalf ADV 7/11.94 Nov 1994 of Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- JJ12 Deed of Postponement (relating to a Flexible Plan FLEX06- 1995? 1995? Loan regulated by the Consumer Credit Act 1974) - -------------------------------------------------------------------------------------------------------------------------- JJ13 Deed of Postponement (relating to a Flexible Plan FLEX07- 1995? 1995? Loan regulated by the Consumer Credit Act 1974)FLEX07- 1995? - -------------------------------------------------------------------------------------------------------------------------- JJ14 Deed of Postponement (relating to a Personal Secured PERS09- 1995? 1995? Loan regulated by the Consumer Credit Act 1974) - -------------------------------------------------------------------------------------------------------------------------- 77 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- JJ15 Deed of Postponement (relating to a Personal Secured PERS10- 1995? 1995? 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 Consumer Credit Flexible Plan Jul 1995 Act 1974 (Scotland) - ADVCR3 07/95 - -------------------------------------------------------------------------------------------------------------------------- JJ20 Loan Agreement - Flexible Plan (Scotland) ADVCR4 07/95 Jul 1995 - -------------------------------------------------------------------------------------------------------------------------- JJ21 Credit Agreement Regulated by the Consumer Credit ADV 138 09/95 Sep 1995 Act 1974 (Personal Secured Loan) - -------------------------------------------------------------------------------------------------------------------------- JJ22 Assignation of Life Assurance Policy ADV 59. 09/95 Sep 1995 - -------------------------------------------------------------------------------------------------------------------------- JJ23 Credit Agreement Regulated by the Consumer Credit ADV 138 09/95 Sep 1995 Act 1974 (Personal Secured Loan) - -------------------------------------------------------------------------------------------------------------------------- JJ24 Receipt for Further Advance ADV 60. 09.95 Sep 1995 - -------------------------------------------------------------------------------------------------------------------------- JJ25 Deed of Variation of Security and Receipt for ADV152. 09/95 Sep 1995 Further Advance - -------------------------------------------------------------------------------------------------------------------------- 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 a Flexible Plan (PLN)/FLEX07 - Oct 1995 Loan regulated by the Consumer Credit Act 1974) 01/10/1995 - -------------------------------------------------------------------------------------------------------------------------- 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 Consumer Credit ADR3A-C/0796 Jul 1996 Act 1974 - Flexible Plan (Scotland) - -------------------------------------------------------------------------------------------------------------------------- JJ33 Report on Title (Scotland) ADV62/0197 Jan 1997 - -------------------------------------------------------------------------------------------------------------------------- JJ34 Guarantors Confirmation (Existing Borrowers) ADV266.7/97 - -------------------------------------------------------------------------------------------------------------------------- JJ35 Fixed Sum Plan Application Form ADV31/07.97 Jul 1997 - -------------------------------------------------------------------------------------------------------------------------- JJ36 Flexible Plan Application Form ADV 156.07/97 Jul 1997 - -------------------------------------------------------------------------------------------------------------------------- JJ37 Deed of Postponement (relating to a Personal (PLN)/PERS09-01/10/1997 Oct 1997 Secured Loan regulated by the Consumer Credit Act 1974) - -------------------------------------------------------------------------------------------------------------------------- JJ38 Deed of Postponement (relating to a Personal Secured (PLN)/PERS10-01/10/97 Oct 1997 Loan regulated by the Consumer Credit Act 1974) - -------------------------------------------------------------------------------------------------------------------------- JJ39 Deed of Postponement (PLN)/PERS21-01/10/1997 Oct 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 (Existing Borrowers) ADV266.10/97 Oct 1997 - -------------------------------------------------------------------------------------------------------------------------- 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 - -------------------------------------------------------------------------------------------------------------------------- 78 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- 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) - Regulated Loan ADV136.10/97 Oct 1997 - -------------------------------------------------------------------------------------------------------------------------- JJ49 Credit Agreement Regulated by the Consumer Credit ADV138.10.97 Oct 1997 Act 1974 (Personal Secured Loan) - -------------------------------------------------------------------------------------------------------------------------- JJ50 Postponed Standard Security SEC53.10/97 Oct 1997 - -------------------------------------------------------------------------------------------------------------------------- JJ51 Schedule of Documents of Title (Scotland) SEC7.10/97 Oct 1997 - -------------------------------------------------------------------------------------------------------------------------- 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/Occupancy Rights) ADV77/10.97 Oct 1997 - -------------------------------------------------------------------------------------------------------------------------- JJ55 Report and Valuation for Mortgage Purposes on Behalf ADV 7/10.97 Oct 1997 of Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- JJ56 Additional Advance Funds Request (Scotland) ADV 133./10.97 Oct 1997 - -------------------------------------------------------------------------------------------------------------------------- JJ57 Instructions to Solicitors - For Flexible Plan Loans ADV 270. Oct 1997 Over (GBP)15,000 (Flexible Plan over (GBP)15K - Scotland) 10/97 - -------------------------------------------------------------------------------------------------------------------------- JJ58 Instructions to Solicitors (Attaching Report on ADV 136./10.97 Oct 1997 Title (Scotland) - Regulated Loan) - - -------------------------------------------------------------------------------------------------------------------------- JJ59 Deed of Variation of Security and Receipt for ADV152. 10/97 Oct 1997 Further Advance - -------------------------------------------------------------------------------------------------------------------------- JJ60 Instructions to Solicitors - (Flexi - Under ADV 137 10/97 Oct 1997 (GBP)15K - Scotland) - -------------------------------------------------------------------------------------------------------------------------- JJ61 Credit Agreement Regulated by the Consumer Credit ADR3A-C/1097 Oct 1997 Act 1974 - Flexible Plan (Scotland) - -------------------------------------------------------------------------------------------------------------------------- JJ62 Loan Agreement - Flexible Plan (Scotland) ACR4A-C/1097 Oct 1997 - -------------------------------------------------------------------------------------------------------------------------- JJ63 Additional Advance Funds Request (Scotland) ADV 133./11.97 Nov 1997 - -------------------------------------------------------------------------------------------------------------------------- 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 (Scotland) ADV 133./1.98 Jan 1998 - -------------------------------------------------------------------------------------------------------------------------- JJ67 Report on Title (Scotland) ADV 62./02.98 Feb 1998 - -------------------------------------------------------------------------------------------------------------------------- JJ78 Loan Agreement - Flexible Plan (Scotland) ACR4A-C/0298 Feb 1998 - -------------------------------------------------------------------------------------------------------------------------- JJ69 Instructions to Solicitors - For Flexible Plan Loans ADV 270.04.98 Apr 1998 Over (GBP)25,000 - (Flexible Plan over (GBP)25K - Scotland) - -------------------------------------------------------------------------------------------------------------------------- JJ70 Report on Title (Scotland) - Regulated Loan ADV 136. /05.98 May 1998 - -------------------------------------------------------------------------------------------------------------------------- JJ71 Instructions to Solicitors - (Fixed Sum Plan - ADV 269.5/98 May 1998 Scotland) - -------------------------------------------------------------------------------------------------------------------------- JJ72 Secured Personal Loan Application Form ADV 31. 5/98 May 1998 - -------------------------------------------------------------------------------------------------------------------------- JJ73 Instructions to Panel Solicitors - (Fixed Sum Plan ADV 269a.05/98 May 1998 - Scotland) - -------------------------------------------------------------------------------------------------------------------------- JJ74 Credit Agreement Regulated by the Consumer Credit MAR 127 01/06/98 Jun 1998 Act 1974 (Personal Secured Loan) - -------------------------------------------------------------------------------------------------------------------------- 79 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- JJ75 Credit Agreement Regulated by the Consumer Credit ACR3A-C/0798 Jul 1998 Act 1974 - Flexible Plan (Scotland) - -------------------------------------------------------------------------------------------------------------------------- JJ76 Instructions to Solicitors - ADV (Flexi - Under 25K 137/ 01.07.98 Jul 1998 - Scotland) - -------------------------------------------------------------------------------------------------------------------------- JJ77 Report and Valuation for Mortgage Purposes on Behalf ADV 7/12.98 Dec 1998 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 - -------------------------------------------------------------------------------------------------------------------------- JJ81 Deed of Postponement (relating to a Personal Secured (PLN)/PERS10A - 2000? Loan regulated by the Consumer Credit Act 1974) 2000? - -------------------------------------------------------------------------------------------------------------------------- JJ82 Deed of Postponement (PLN)/PERS21A - 2000? 2000? - -------------------------------------------------------------------------------------------------------------------------- JJ83 Deed of Postponement (relating to a Flexible Plan (PLN)/FLEX07A - 2000? Loan regulated by the Consumer Credit Act 1974) 2000? - -------------------------------------------------------------------------------------------------------------------------- JJ84 Secured Personal Loan Application Form ADV 031 (8.5.2000) May 2000 - -------------------------------------------------------------------------------------------------------------------------- JJ85 Consent by Non-Entitled Spouse ADV 64. /06.00 Jun 2000 - -------------------------------------------------------------------------------------------------------------------------- JJ86 Affidavit (re: Matrimonial Home/Occupancy Rights) ADV77 /07.00 Jul 2000 - -------------------------------------------------------------------------------------------------------------------------- JJ87 Report on Title (Scotland) ROT/0800 Aug 2000 - -------------------------------------------------------------------------------------------------------------------------- JJ88 Credit Agreement Regulated by the Consumer Credit CA138B/0900 Sep 2000 Act 1974 - -------------------------------------------------------------------------------------------------------------------------- JJ89 Credit Agreement Regulated by the Consumer Credit CA127 09/00 Sep 2000 Act 1974 - -------------------------------------------------------------------------------------------------------------------------- JJ90 Credit Agreement Regulated by the Consumer Credit ACR3A-C/1000 Oct 2000 Act 1974 - Flexible Plan (Scotland) - -------------------------------------------------------------------------------------------------------------------------- JJ91 Loan Agreement - Flexible Plan (Scotland) ACR4A-C/1000 Oct 2000 - -------------------------------------------------------------------------------------------------------------------------- JJ92 Scottish Mortgage Conditions 1997 SEC33/11.00 Nov 2000 - -------------------------------------------------------------------------------------------------------------------------- JJ93 Schedule of Documents of Title (Scotland) SOGO1/0201 Feb 2001 - -------------------------------------------------------------------------------------------------------------------------- JJ94 Deed of Variation of Security and Receipt for ADV281/05.01 May 2001 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 Receipt for ADV279 06/01 Jun 2001 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 - -------------------------------------------------------------------------------------------------------------------------- 80 - -------------------------------------------------------------------------------------------------------------------------- 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 (Part 2 - Name of Jan 2003 Mortgage Lender) - Date Last Amended (1-Jan-2003) - -------------------------------------------------------------------------------------------------------------------------- JJ106 Credit Agreement Regulated by the Consumer Credit CA127 01/03 Jan 2003 Act 1974 - -------------------------------------------------------------------------------------------------------------------------- JJ107 Credit Agreement Regulated by the Consumer Credit 01/03 Jan 2003 Act 1974 - -------------------------------------------------------------------------------------------------------------------------- JJ108 Report and Valuation for Mortgage Purposes on Behalf ADV 7/07.03 Jul 2003 of Northern Rock plc - -------------------------------------------------------------------------------------------------------------------------- JJ109 Secured Personal Loan Application Form ADV 031 (08.2003) Aug 2003 - -------------------------------------------------------------------------------------------------------------------------- JJ110 Offer of Loan Oct 2003 - -------------------------------------------------------------------------------------------------------------------------- JJ111 Together - Standard Security SOL002 - -------------------------------------------------------------------------------------------------------------------------- JJ112 Schedule of Documents of Title (Scotland) (Pre SEC 7 01/10/97) - -------------------------------------------------------------------------------------------------------------------------- JJ113 Consent by Non-Entitled Spouse (Pre 09/95) ADV 64 - -------------------------------------------------------------------------------------------------------------------------- JJ114 Standard Security (Scottish Mortgage Conditions 2001 apply) - -------------------------------------------------------------------------------------------------------------------------- JJ115 Report on Title (Scotland) ROT/0804 - -------------------------------------------------------------------------------------------------------------------------- JJ116 Scottish Lifetime Mortgage Conditions LEG2 Oct 2004 - -------------------------------------------------------------------------------------------------------------------------- JJ117 CML Lenders' Handbook for Scotland (Part 2 - 6 May 2005 Name of MortgageLender) - Date Last Amended (6-May-2005) - -------------------------------------------------------------------------------------------------------------------------- Part 8 Documents Used Only in the Origination of Lifetime Mortgages - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- KK - -------------------------------------------------------------------------------------------------------------------------- KK1 Lifetime Mortgage Deed LEG7 01.10.04 - -------------------------------------------------------------------------------------------------------------------------- KK2 Additional Advance Application Form MAR 727/15178 From 31.10.2004 - -------------------------------------------------------------------------------------------------------------------------- 81 - -------------------------------------------------------------------------------------------------------------------------- SABW Document Reference Usage period and notes - -------------------------------------------------------------------------------------------------------------------------- KK3 Lifetime Mortgage Application Form MAR 747/15835 From 31.10.04. - -------------------------------------------------------------------------------------------------------------------------- KK4 Lifetime Mortgages: A cash lump sum or a monthly MAR 755/15979 From 31.10.04 cash release - -------------------------------------------------------------------------------------------------------------------------- KK5 Lifetime Mortgages Conditions 1999 LEG1 11.04 - --------------------------------------------------------------------------------------------------------------------------
SIGNATORIES SIDLEY AUSTIN BROWN & WOOD By: ALLEN & OVERY LLP By: 82