affidavit - platformaffidavit / renunciation / consent new home warranty certificates (if...

I

DOHEREBYDECLAREasfollows:-_____________________________________________________________________________________

1. IntermsofaMortgageOfferdated (includinganyamendmentthereto)TheCo-operativeBankp.l.c. (tradingasPlatform),whoseoffice isatNewtonHouse,CheadleRoad,Leek,StaffordshireST135RGhasagreedtoadvancetomealoanof£ tobesecured(togetherwithanyfurtheradvanceswhichmaybemade)byaStandardSecurityoverthepropertyknownasandforming

_____________________________________________________________________________________

2. Asatthedateofthisdeclarationthesaidpropertyisnotamatrimonialhomeinrelationtowhichaspouseofminehasoccupancy rights, the expressions “matrimonial home” and “occupancy rights” having the meanings respectivelyascribedtothembytheMatrimonialHomes(FamilyProtection)(Scotland)Act1981asamended,orafamilyhomeinrelationtowhichacivilpartnerofminehasoccupancyrights,theexpressions“familyhome”and“occupancyrights”havingthemeaningsrespectivelyascribedtothembytheCivilPartnershipAct2004asamended.

_____________________________________________________________________________________

SUBSCRIBEDbytheabovenamed

at

on

Signature

beforethiswitness

Signatureofwitness

Nameofwitness

Addressofwitness

AFFIDAVIT

PlatformP.O.Box3462,CheadleRoad,LeekST139BGDX16351(Leek)Telephone:03450701999

TheCo-operativeBankp.l.c.isauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthorityandthePrudentialRegulationAuthority(No.121885).TheCo-operativeBank,Platform,smileandBritanniaaretradingnamesofTheCo-operativeBankp.l.c.,P.O.Box101,1BalloonStreet,ManchesterM604EP.RegisteredinEnglandandWalesNo.990937.CreditfacilitiesareprovidedbyTheCo-operativeBankp.l.c.andaresubjecttostatusandourlendingpolicy.TheBankreservestherighttodeclineanyapplicationforanaccountorcreditfacility.TheCo-operativeBankp.l.c.isamemberoftheCouncilofMortgageLendersandsubscribestotheLendingCodewhichismonitoredbytheLendingStandardsBoard.Callsto0800and0808numbersarefreefromlandlinesandmobiles.Callsto03numberscostthesameascallstonumbersstartingwith01and02.Callsto0845and0870numberscost3pperminute,plusyourphonecompany’saccesscharge.Callsto0844and0843numberscost7pperminute,plusyourphonecompany’saccesscharge.Callsmaybemonitoredorrecordedforsecurityandtrainingpurposes.

P02301/16

TO: Platform DX 16351 (Leek)

CustomerAccountNumber: AnticipatedCompletionDate:

Please allow FIVE working days for us to transfer the funds.Normallyyouraccountwillbecreditedoneworkingday

priortothecompletiondateshown.Shouldyoubeunabletogivefiveworkingdays’noticepleasetelephonetomake

specialarrangements.Pleasecompletefulldetailsasanyerrorsoromissionmayresultinadelayincompletion.

BORROWER(S) Fullname(s):

PROPERTY PropertyasshownonStandardSecurity:

Postcode

Absoluteownershipq Leaseholdq Ifleasehold,unexpiredtermoflease: years.

REGISTRATION - Please tick appropriate box

LandRegister q TitleNumber Sasineq FirstRegistrationq

BUILDINGS INSURANCE

PleaseconfirmifthecustomerishavingL&Ginsurance(Thiswillallowfora£30adminrefund):q

Pleaseconfirmpropertyisadequatelyinsured:q

RenewalDate:

TRANSACTION

Remortgageq Purchaseq IfPurchase,confirmedpurchaseprice: £

LoanAmount(includingfees): £

We,thefirmofsolicitorsspecifiedundertheheading“FundsTransfer”hereof,confirmthattheCompanymaywarrantto

anypersonsadvancingmoneytotheCompanyonthesecurityoftheStandardSecurityorpurchasingtheSecuritythatit

isenforceableandalllegalformalitieshavebeencompliedwithtoprotecttheCompany’sinterestintheSecurity.

Referencestothe“Company”,includeTheCo-operativeBankp.l.c.(tradingasPlatform)anditssuccessorsandassignees

whomsoever.

CERTIFICATE OF TITLE AND FUNDS TRANSFER REQUEST

PlatformP.O.Box3462,CheadleRoad,LeekST139BGDX16351(Leek)Telephone:03450701999

SCOTLAND

Twocopiesareprovided-oneforyourfile

CERTIFICATE OF TITLE AND CERTIFICATIONSWecertifytotheCompanythat:

1. WehaveinvestigatedtitletothePropertyandmadeallnecessaryenquiriesandsearchesandconfirmthattheBorrowerhasorwillacquiregoodandmarketabletitletothePropertywhichdoesorwillconstituteagoodSecurity.

2. AllconditionscontainedintheCompany’smortgageoffertotheBorrower(s)(the“MortgageOffer”)orthecreditagreementbetweentheCompanyandtheBorrower(s)(the“CreditAgreement”)havebeencompliedwithandtheStandardSecurity(the“Security”)intheCompany’sstandardformhasbeenorwill,beforecompletion,beexecutedbytheBorrower(s)andtheSecuritywill,atcompletion,constituteafirstSecurityoverthePropertyinfavouroftheCompany.

3. AllrequirementsoftheCompany’sinstructionsaresatisfied.4. ThedescriptionofthePropertygivenintheMortgageOfferortheCreditAgreementandintheCompany’s

valuationofthePropertyiscorrect.TheassumptionsexpresslyreferredtointheCompany’svaluationonmattersofthetitle,termsofanylease,area,boundaries,rights,encumbrancesandrestrictionsarecorrect.

5. WeconfirmthatalltherequirementsoftheMatrimonialHomes(FamilyProtection)(Scotland)Act1981asamendedhavebeencompliedwith.

6. Thesecertifications,theCertificateofTitleandtheundertakingsbelowareaddressedtoandwillbereliedonbytheCompanyanditssuccessorsintitleandanyonederivingtitlefromthemincluding,withoutprejudicetotherightsoftheCompanyanditssuccessors,anytrusteeonbehalfofanygroupofpersonsorcompaniesinterestedintheSecurity.

7. WehaveadutyofcaretotheCompany’ssuccessorsandthosederivingtitlefromthem.

REPORTWereportasfollows:Unlessspecifiedbelow,therearenomattersofconcernaffectingthePropertyorthesecuritycreatedbytheSecurity.(Please use an additional sheet if necessary)

It should be noted that any potential issues should have been disclosed to the Company and dealt with before the certifications are given and the funds transfer requested (see paragraph 1 above).

UNDERTAKINGSWeundertake:1. NottopartwithanysumreceivedfromtheCompanyuntiltheSecurityandallothernecessarydocumentshave

beendulyexecutedandcompletedandtoapplysuchsumasisnecessaryintheacquisitionofgoodandmarketabletitletothePropertyand/orindischarginganyexistingSecurityoverthePropertyand/orindischarginganyotherindebtednessspecifiedbytheCompany(asthecasemayrequire).

2. ImmediatelyuponcompletionoftheSecuritytoserveonbehalfoftheCompanyallnoticesrequiredtobeservedpursuanttotheCompany’sinstructionstous.

3. ToholdthetitledeedstothePropertytotheCompany’sorderandtoforwardthesetotheCompanyassoonasallpost-completionmatterssetoutintheCompany’sinstructionshavebeencarriedout.

FUNDS TRANSFERWerequestthatfundsbetransferredtoourClientAccountasfollows:

Bank: Branch:

Accountno.: Sortcode:

Signed(asolicitor/conveyancerholdingacurrentpractisingcertificate):

ForandonbehalfofMessrs:

Nameofauthorisedsignatory(pleaseprint):

Dated: Reference(pleaseprint):


P02001/2016

DEEDS SCHEDULE

Please do not forward any title documents until a copy of the register can be provided showing The Co-operative Bank

p.l.c. (trading as Platform) hold a first charge.

It is important that ALL documents are enclosed and the following checklist should be completed by ticking the

appropriate boxes.

Please complete the Schedule in full, return the original and retain one copy for your file.

Please send to Platform, PO Box 237 Plymouth PL1 1WG or DX 133791 Plymouth 13.

Charge Certificate / Standard Security

Land Certificate / Disposition

Search

Buildings Insurance policy (copy - if appropriate)

(The Lender’s interest endorsed)

Matrimonial Homes

Affidavit / Renunciation / Consent

New Home Warranty Certificates (if appropriate)

Other Documents (specify)

Mortgage Account Number: Date of Mortgage: Title Number:

Property Address (as in the Mortgage):

Postcode

Borrower:(Full Name(s))

PlatformP.O. Box 3462, Cheadle Road, Leek ST13 9BGDX 16351 (Leek)Telephone: 0345 070 1999

THE SCHEDULE OF DEEDS AND DOCUMENTS

Date The Document The Parties

This Schedule was completed in duplicate by (Name of Practice)

of (Address of Practice)

on (Date Schedule Completed)

P019 01/16

The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. is a member of the Council of Mortgage Lenders and subscribes to the Lending Code which is monitored by the Lending Standards Board.Calls to 0800 and 0808 numbers are free from landlines and mobiles. Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company’s access charge. Calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge. Calls may be monitored or recorded for security and training purposes.

LIST 1: PROOF OF IDENTITY

• Currentvalidpassport(mustcontainEnglishtranslation)

• CurrentUKoldstyledrivinglicence(fulllicenceonly– oldstyleprovisionallicenceisnotacceptable)

• CurrentUKphotocarddrivinglicence(fullorprovisional)– counterpartnotrequired

• BenefitbookormostrecentletterfromtheBenefitsAgencyconfirmingtherighttobenefits(issuedwithinthelast6monthsorvalidforthecurrentyear)

• Firearmscertificate/shotgunlicence

LIST 2: PROOF OF ADDRESS

• Recentutilitybill(issuedwithinthelast6months)Mobilephonebillsarenotacceptable

• Mostrecentbank,buildingsocietyorcreditunionstatement,letterorpassbookcontainingcurrentaddress(issuedwithinthelast6months)Internetstatementsnotacceptable

• Mostrecentmortgagestatementfromarecognisedlender(issuedwithinthelast6monthsorvalidforthecurrentyear)

• BenefitsbookormostrecentnotificationfromtheBenefitsAgencyconfirmingtherighttobenefits(issuedwithinthelast6monthsorvalidforthecurrentyear)

• CurrentUKoldstyledrivinglicence(fulllicenceonly– oldstyleprovisionallicenceisnotacceptable)

• MostrecentHMRevenue&Customstaxnotification(issuedwithinthelast6monthsorvalidforthecurrentyear–SA302,P60,P45notacceptable)

• NorthernIrelandElectoralIDcard(nomorethan10yearsold)

• EU/EEAmemberstateIDphotocard.(UKIDcardsarenotacceptable)Not acceptable for products with Free Standard Legals

• NationalIDcard(fornon-EEAforeignnationals)Not acceptable for products with Free Standard Legals

• CurrentUKphotocarddrivinglicence(fullorprovisional)– counterpartnotrequired

• Localauthoritytaxbill(issuedwithinthelast6monthsorvalidforthecurrentyear)

• LocalcounciltenancyagreementNot acceptable for products with Free Standard Legals

• MostrecentHMRevenue&Customstaxnotification(issuedwithinthelast6monthsorvalidforthecurrentyear–SA302,P60,P45notacceptable)

• ConfirmationfromanelectoralregistersearchthatapersonofthatnamelivesatthataddressNot acceptable for products with Free Standard Legals and if acceptable to use on specific application as proof

IDENTITY REQUIREMENTS

CERTIFYING DOCUMENTATION

PlatformP.O.Box3462,CheadleRoadLeekST139BGTelephone:03450701999DX16351(Leek)

• Ifyouhaveseentheapplicant(s)facetofaceyoumustprovideonedocumentfromList1andonedocumentfromList2foreachapplicant.

(AnyitemwhichisduplicatedinList1andList2,willonlybeacceptedasoneformofidentification)

• Ifyouhavenotseentheapplicant(s)facetofaceyoumustprovidetwodocumentsfromList1andonedocumentfromList2foreachapplicant.

(AnyitemwhichisduplicatedinList1andList2,willonlybeacceptedasoneformofidentification)

• Eachdocumentmustbeaphotocopyoftheoriginaldocument,andmustcontainthesignatureofthepersoncertifying.

• Thepersonwhohasseentheoriginaldocumentmustcertifyeachdocumentusingthefollowingwording:‘Icertifythatthisisatruecopyoftheoriginal’.Theymustthenstatetheirname,companyname,andeachcertificationmustbesignedanddated.

• Ifyouhaveseentheapplicantfacetoface,andthedocumentincludesphotographicidentification,youmuststate‘Icertifythatthisisatruelikenessoftheapplicant’.

• MortgageIntroducerswhoarecertifyingdocumentationmustbeFCAauthorised.

• Aprofessionalperson(lawyers)coveredbymoneylaunderingregulationsmayalsocertifycopiesofidentificationdocuments.

We accept identification documents via document upload, email, fax or post. We will only accept correctly certified identification documents.


P03401/16

mortgage conditions(Scottish edition) 2016

the co-operative bank p.l.c.(trading as platform)

413292_BNA_MKT12215.indd 1 19/02/2016 10:31

These Conditions are legally binding on you and include restrictions and requirements concerning the use of the property to be mortgaged.

You should read and understand the Conditions and refer any queries to your independent legal advisors.

413292_BNA_MKT12215.indd 2 19/02/2016 10:31

Contents

Clause Page

Definitions 1

Interpretation 3

1. AgreementToPay 3

2. TheInterestRate 4

3. MonthlyPayments 5

4. EarlyRepayment 6

5. YourObligations 6

6. Insurance 7

7. FeesAndExpenses 8

8. OurRightsAndRemedies–OurRightToSellTheProperty 9

9. OurRightsAndRemedies–OurAdditionalPowers 9

10. OurRightsAndRemedies–PowersOfLeasing 10

11. RightsAndRemedies–YourGoods 10

12. OurRightsAndRemedies–Possession 10

13. TransferOrAssignationOfTheMortgage 10

14. ProtectionOfThirdParties 10

15. RelatedRights 11

16. AgreementToReimburseUs 11

17. FurtherAssurancesAndPowerOfAttorney 11

18. Miscellaneous 11

19. GeneralVariationofConditions 12

20. NoticesAndCommunications 12

21. ManagementCompany 12

22. RepaymentByUs 12

23. PartialInvalidity 12

24. StandardConditions 12

25. Law 13

26. IndependentLegalAdvice 13

27. FlexibleMortgages 13

AppendixA 14

413292_BNA_MKT12215.indd 3 19/02/2016 10:31

Page One

DEFINITIONS

“Act” meanstheConveyancingandFeudalReform(Scotland)Act1970.

“Bank of England Base Rate”meansthereporatedecidedbytheMonetaryPolicyCommitteeoftheBankofEnglandfromtimetotime.IfforanyreasonitisnotpossibletodeterminesuchratetheBankofEnglandBaseRatewillbesuchratewereasonablydecideisacomparablerateatthattime.

“Business Day”meansaday(otherthanaSaturday)onwhichbanksinLondongenerallyareopenfortransactingbusinessofthenaturerequiredforthepurposesoftheMortgage.

“Conditions”meanstheConditionsinthisdeedandtheStandardConditionsasvariedbytheMortgageandreferencetoaspecificConditionistotherelevantConditioninthisdeed.

“Costs”meansallcosts,fees,chargesandexpenseswhichmaybeincurredinconnectionwiththeMortgageasdescribedinCondition7.

“Interest Payment Day”meansthedayofthemonthspecifiedinyouracceptanceoftheMortgageOfferasthedayyouwishtomakeyourMonthlyPayments,whichcanbenolaterthanthe28thofeachmonth,orasotherwiseadvisedbyusfromtimetotimeinaccordancewithCondition3.8.Youcanvarythisdayfromtimetotimebygivingusatleast30daysadvancewrittennotice.IfyouchangetheInterestPaymentDaytheninterestwillbedueandpayablewhichwillnotautomaticallybecollectedintheMonthlyPaymentfollowingthechange.

“Interest Rate”meanstherateofinterestapplicabletosumsoutstandingundertheMortgageandcalculatedinaccordancewithCondition2A,2Bor2C(asspecifiedintheMortgageOffer).

“Issue Date”meansthedateonwhichwesendtheLoanAmount(lessanyamountretainedbyus)toyoursolicitorsortoanyotherpartyspecified(whetherbycheque,banker’sdraft,credittransferorinanyotherway).

“Libor”meansthethreemonthLondonInterbankOfferedRatefordepositsinsterlingquotedbyordesignatedfortheBritishBankersAssociationasat11.00amontherelevantRecalculationDate,roundedup(ifrelevant)tothenearest1/8th%.IfforanyreasonitisnotpossibletodeterminesuchrateLiborwillbesuchratewhichwereasonablydecideisacomparablerateatthattime.

“Loan Amount”meanstheamountoftheloanwhichweproposetomaketoyou,asspecifiedintheMortgageOffer,orasthecontextrequirestheamountofsuchloanoutstandingfromtimetotime.

“Monthly Payment”meanstheMonthlyPaymentspecifiedbyusintheMortgageOfferasvariedfromtimetotime.

“Mortgage”meansthestandardsecurityovertheProperty,grantedbyyouassecurityfortherepaymentoftheSecuredAmounts,andwhichincorporatesandincludestheConditionsandtheMortgageOffer.

413292_BNA_MKT12215.indd 4 19/02/2016 10:31

“Mortgage Offer”meansthewrittennoticeornoticesdescribedastheMortgageOfferprovidedtoyoubeforethedateoftheMortgagestatingthatwearepreparedinprincipletomakealoantoyouandtoprovideotherfacilitiesmentionedintheMortgageOffer(includinganywrittenvariationofthatnoticeornoticesandanysubsequentofferoffurtheradvancewheretherepaymentofsuchfurtheradvanceisorisintendedtobesecuredbytheMortgage)andincludes(fortheavoidanceofdoubt)allgeneralandspecialConditions(ifany)applicabletotheMortgageOffer.

“Property”shallincludeallpropertysecuredorintendedtobesecuredbyyoutousandalladditionsandotherthingson,andintendedtoformpartof,theProperty.

“Recalculation Date”meansthedatesonwhichtheInterestRatewillbere-setinaccordancewiththeMortgageOfferorsuchdatesasyouhaveotherwisebeenadvisedbyusfromtimetotimeinaccordancewithCondition3.8.

“Secured Amounts”means:(a) theLoanAmountandanyfurtheradvanceoradvancesmadebyustoyou,orthebalanceineachcaseowedbyyou

tousfromtimetotime;

(b) interestpayableontheamountsreferredtoinparagraph(a);

(c) anyotheramountswhichareorwhichmaybecome,orareexpressedtobe,payablebyyoutousundertheprovisionsoftheMortgageoranysecuritywhichisadditionaltotheMortgageorunderanyotherdocumentcreatinganySecurityInterestinfavourofusinrelationtoyourobligationstous;and

(d) allothermoneyforthetimebeingduebyyoutouswhetherofprincipal,interestorotherwiseandwhetherincurredbyyouasprincipalandincludingmoneyduetouspursuanttotheMortgageOffer.

TheSecuredAmountsdonotincludeanymoniesorliabilitiesregulatedbytheConsumerCreditAct1974(asamendedbytheConsumerCreditAct2006),unlessyouagreeotherwisewithus.

“Security Interest”meansanystandardsecurity,assignationinsecurity,rightofset-off,lienorothersecurityinterest(includinganyarisingorimposedasamatteroflaworunderlegislation).

“Standard Conditions”meansthestandardConditionssetoutinSchedule3totheAct.

“Standard Variable Rate”meansourstandardvariablerateofinterestwhichcanbechangedbyusatanytimeunderCondition2.

“Tariff of Charges”meansourscheduleoffeesandchargesasamended,substitutedorreplacedfromtimetotime.

“We” and “Us”meansthecompanydefinedasthe“Lender”intheMortgage,beingTheCo-operativeBankp.l.c.(tradingasPlatform),andincludesitssuccessors,assigneesandtransferees(whetherlegalorbeneficialorwhetherbyabsoluteassignmentorbywayofnovationorbywayofsecurityonly).

“You”meanstheperson(s)namedastheBorrowerintheMortgageandeachsuchperson’sexecutors,personalrepresentatives,successors,assigneesandtransferees.

Page Two

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INTERPRETATION

IntheMortgage:

(a) ReferencetoanyActofParliamentorotherlegislationisareferencetothatActorlegislationasfromtimetotimeamendedorre-enacted;

(b) Referencetoadocumentistothatdocumentasamended,substitutedorreplacedfromtimetotime;

(c) Thesingularincludesthepluralandviceversa;and

(d) Ifthereismorethanoneofyou,then:

(i) theConditionsapplytoallofyoutogetherandtoeachofyouonyourown.ThismeansthateachofyouisfullyresponsibleforcomplyingwithalloftheConditions;and

(ii) referencesto“you”intheConditionsaretoeitheroranyorallofyou,asthecontextrequires.

(e) WhereyoumustgetourapprovalandconsentundertheseConditionsbeforedoingsomething,wewillnotunreasonablywithholdordelaysuchapproval(itisreasonableforustorefusetoapprovesomethingwereasonablythinkmaymakeitlesslikelyyoucanrepayus,becauseitmaynegativelyaffectoursecurityorthevalueofthePropertyorhavesomeothernegativeimpactonusinrelationtotheLoanAmount).

(f) Ifwehavethepowertorequiresomethingthen,unlessotherwisespecified,wewillnotrequireitunlessitisreasonableforustodoso.Itwillbereasonableforustodosoif,forexample,inourreasonableopinionitwillormightassistinthepreservationofoursecurityorthevalueoftheProperty.

1. AGREEMENT TO PAY

1.1 Youagreeasfollows:

(a) YoushallpaytoustheMonthlyPaymentoneachInterestPaymentDayuntiltheSecuredAmountshavebeenrepaidinfull;

(b) EachMonthlyPaymentmustbemadebyyoutousbydirectdebitfromacurrentaccountmaintainedbyyouatabankorbuildingsociety.Wemayconsideracceptinganotherformofpaymentfromyou,althoughanadditionaladministrationfeemaybechargedinthosecircumstances.Ifanydirectdebitpaymentisrefusedorrecalledbyyourbankorbuildingsociety,thenweshallchargeyouanadministrationfeeforeachunsuccessfulapplicationforpayment.TheamountofsuchadministrationfeeshallbedeterminedinaccordancewiththethencurrentTariffofChargesandshallbepayablebyyouondemand;

(c) IfanyMonthlyPaymentoranyothersumdueundertheMortgageisnotpaidontheduedate,itshallbearinterestattheInterestRateinrespectoftheperiodcommencingonthedateitbecamedueandpayableandendingonthedateonwhichitisactuallypaid.Inaddition,anadministrationfeemaybepayableifaMonthlyPaymentisoverdueasspecifiedinthethencurrentTariffofCharges.IfyoudonotpayanyMonthlyPaymentwhenitisdue,thenextMonthlyPaymentreceivedbyuswillbeappliedtopaytheoldestunpaidMonthlyPaymentduetous.

1.2 Youalsoagree:

(a) TopaytoustheSecuredAmountsandinparticulartopaytous(togetherwhereapplicablewithinterestoneachandeverysuchsum)eachandeverysumtobepaidpursuanttotheConditionsandeachandeverysumtobepaidpursuanttotheMortgageOffer(inaccordancewiththetermsandatthetimesandinthemannerspecifiedintheMortgageOffer);

(b) ThatifonasaleorotherrealisationbyusofoursecurityovertheProperty,thenetproceedsareinsufficienttopaytheSecuredAmountsduetous,youwillpromptlypaytheamountofthatshortfallwithinterestattheInterestRate(bothafterandbeforeanycourtdecree)untilalloftheSecuredAmountsarepaidinfull;

(c) ThewholeoftheSecuredAmountsshallbeimmediatelydueandpayableinfull,withoutdemand,ifanyoftheeventsorcircumstancessetoutinCondition8occurs;

(d) Wemayatanytimeortimesinourabsolutediscretion(butshallnotbeobligedto):(i) acceptpaymentsotherthanthosepayableundertheConditionsortheMortgageOffer;(ii) returnanypaymentsorgivefurthertimeforthepaymentofanyoftheSecuredAmounts;and

Page Three

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(iii) generallymakeanyotherarrangementsastothemannerortimeforpaymentofanymoney(whetherprincipal,interestorotherwise),andnoneofthesethingsshallinanyway:

(iv) prejudiceoraffectourpowertosellthePropertyoranyofourotherpowers;or(v) makeusliablefortheexerciseofanysuchpowerinanycasewherewewouldnothavebeenliableifthe

paymentorarrangementhadnotbeenmade;or(vi) release,orinanywayaffect,orlessen,yourliability.

1.3 YoushallpayinteresttousontheLoanAmount(lessanyamountspecifiedbyusintheMortgageOfferasaretention)from and including the Issue DatetothedateofpaymentinfulloftheLoanAmount.InterestshallbepayableonanyamountoftheLoanAmountspecifiedintheMortgageOfferasaretentionfromthedateonwhichitissentbyustoyouoryoursolicitorsoranyotherpartyspecifiedbyyou.InterestshallaccrueattheInterestRateonadailybasisandshallbepaidonallSecuredAmountswhicharenotpaidontheduedate.

1.4 YoushallpaytousCostsintheamountsetoutintheTariffofChargeswhichmaybevariedinaccordancewiththecircumstancesasdescribedinCondition7.

1.5 YoushallmakeeachpaymentdueundertheMortgagepromptlyandinfull.IfyoufailtopayanamountthatyouareobligedtopayyoumayincurinterestonanysuchamountsassetoutinCondition1.1(c).Allpaymentqueriesshouldbereferredtoourmortgageadministrationdepartmentassoonaspracticable.

1.6 WereservetherightnottoacceptanypaymentsfromyouundertheMortgageifwereasonablybelievethattheremaybefraudulentactivityorotherfinancialcrimeaffectingtheMortgage.

2. THE INTEREST RATE

2.1 TheMortgageOfferspecifiestheInterestRateapplicabletotheMortgageatthedateoftheMortgageOffer.

2.2 AchangeintheInterestRatewillresultinachangeintheMonthlyPaymentbythesecondInterestPaymentDayfollowingthechangeintheInterestRate.WeshallnotifyyouinwritingofchangesintheInterestRateandintheMonthlyPayments.

2A ChangestotheStandardVariableRate

2A.1 IftheInterestRateisourStandardVariableRatewemayvaryitatanytime(includingbeforeanyLoanAmountisreleased),forthefollowingreasons:

(a) totakeaccount,inaproportionatemanner,ofachangewhichhasoccurred,orwhichwereasonablyexpecttooccur,intheBankofEnglandBaseRate;

(b) totakeaccount,inaproportionatemanner,ofchangeswhichhaveoccurred,orwereasonablyexpecttooccur,inthecosttousofraisingmoneywelendtoourmortgagecustomers;

(c) totakeaccount,inaproportionatemanner,ofachangewhichhasoccurred,orwhichwereasonablyexpecttooccur,intheinterestrateschargedbyothermortgagelenderswhichweregardasbeingcomparabletous;

(d) totakeaccount,inaproportionatemanner,ofanychangesinrelevantlaws,codesofpracticeorregulations;and

(e) totakeaccount,inaproportionatemanner,ofanydecision,requirement,orrecommendationbyacourt,ombudsman,regulatororsimilarbody.

2B ChangestotheLiborlinkedrate

2B.1 IftheInterestRateislinkedtoLibor,theInterestRatewillbethehigherof:

(a) theLiborrateandtheratespecifiedintheMortgageOfferasthemargin(theMargin);and

(b) anyratespecifiedintheMortgageOfferasthefloor(theFloor).

2B.2 YoushouldbeawarethatasaresultofthecalculationinCondition2B.1,theInterestRate,eventhoughexpressedtobelinkedtotheLiborrate,maybesubjecttoaFloor.IfandforsolongasthetotaloftheactualLiborrateandtheMarginislessthanorfallstolessthananyFloor,thentheInterestRatewillbeequaltotheFloor.

2B.3 TheInterestRatewillbere-calculatedoneachRecalculationDate.

2C Changestobaseratelinkedrate

2C.1 IftheInterestRateislinkedtotheBankofEnglandBaseRate,theInterestRatewillbethehigherof:

(a) theBankofEnglandBaseRateandtheratespecifiedintheMortgageOfferasthemargin(theMargin);and

(b) anyratespecifiedintheMortgageOfferasthefloor(theFloor).

Page Four

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2C.2 YoushouldbeawarethatasaresultofthecalculationinCondition2C.1,theInterestRate,eventhoughexpressedtobelinkedtotheBankofEnglandBaseRatemaybesubjecttoaFloor.IfandforsolongasthetotaloftheactualBankofEnglandBaseRateandtheMarginislessthanorfallstolessthananyFloor,thentheInterestRatewillbeequaltotheFloor.

2C.3 TheInterestRatewillbere-calculatedoneachRecalculationDate.

3. MONTHLY PAYMENTS

3.1 TheLoanAmount,interestandothersumspayabletousbyyouaretobepaidbyMonthlyPayments.AMonthlyPaymentshallbepaidoneachInterestPaymentDayandshallprovidefor:

(a) paymentofinterest;and

(b) paymentofothersumsduetous.

HowevertheamountofaccruedinterestwhichisdueandpayableinamonthmaybemoreorlessthantheamountofinterestthatisincludedintheMonthlyPaymentforthatmonth.

3.2 TheamountoftheMonthlyPaymentswillbeadjustedtotakeaccountofanychangestotheInterestRatebythesecondInterestPaymentDayfollowingthechangeintheInterestRate.InadditiontheamountoftheMonthlyPaymentmaybeincreasedorreducedatanytimeduringthetermoftheMortgagesoastotakeintoaccountanyadditionalamountwhichwemayrequiretobepaidtousinrespectofafurtheradvancemadetoyoubyussubjecttotheConditionsorsoastotakeintoaccountanyotheradjustmenttotheSecuredAmountsasisreasonablycontemplatedundertheseMortgageConditionsorifanychargesorfeesarepayable.

3.3 Ifwearesatisfiedatanytimethatyouareentitledtotaxreliefoninterestpayments,wemaynotifyyouinwritingofthenetamountpayable,takingintoaccountthetaxreliefdue.Thisamountmaychangefromtimetotimeif,amongotherthings,therateoftaxreliefchanges.

3.4 TheMonthlyPaymentmaybevariedbyusatanytimesoastobringittothenearestcompletesumof£1.00abovetheamountatwhichitstandsorwouldstandifcalculatedprecisely.

3.5 Fortheavoidanceofdoubtandwithoutprejudicetoanyofourotherrightsorremedieswemay,atouroptionbutwithpriorreasonablenoticetoyou,increasetheMonthlyPaymenttoprovideforincreasedrepaymentofcapitalthroughoutthetermoftheMortgageifwereasonablyconsiderthattheremaybenoorinsufficientfundsfortherepaymentoftheSecuredAmountsattheendofthetermoftheMortgage.

3.6 WewillgiveyouwrittennoticeofanychangeintheMonthlyPaymentorifanychargesorfeesarepayable.Ifyouarepayingbydirectdebit,noticeofachangeintheamountwhichwemaycollectunderthedirectdebitmandatewillbedeemedtobeawrittennoticeforthepurposeofthisCondition.

3.7 WhenyouredeemandrepayalloftheSecuredAmounts,yourlastMonthlyPaymentmadebeforeredemptionmaynotbeaclearedpaymentanditwillnotbeincludedinthecalculationoftheamountoftheSecuredAmountsoutstandingasatredemption.However,anamountequaltothatMonthlyRepaymentwillbereturnedtoyou10daysafteryourredemptionoftheMortgageifwearesatisfiedthatsuchMonthlyRepaymenthasbeenclearedandreceivedbyus.

3.8 Wehavetherighttochange:

(a) ourproceduresforcharginginterest,

(b) ourprocedureforcalculatingMonthlyPayments,

(c) theInterestPaymentDay,or

(d) theRecalculationDate

whereitisreasonabletodosoatanytimeforanyofthefollowingreasons:

a) totakeaccountofchangesintechnology;

b) totakeaccount,inaproportionatemanner,oftherequirementsof,orrecommendationsmadeby,theFinancialConductAuthorityoranyotherbodyresponsibleforregulatingourbusiness;or

c) ifitisnecessaryorprudentforustodosotooperateordevelopourbusiness.

Wewill,wherepracticable,giveyou3monthswrittennoticeofanyoftheabovechangesbeforetheycomeintoeffect.

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4. EARLY REPAYMENT

4.1 SecuredAmountsmayberepaidinwholeorinpartonanyBusinessDayeitherbyyou,atyour,discretion,orbyuswhenweexerciseourpowerofsaleunderCondition8.SuchSecuredAmountsmayberepaidprovidedthatyoupaytousanyapplicablechargeorfeesetoutineithertheMortgageOfferorourthenTariffofCharges.

4.2 SubjecttoCondition4.3,youmaymakeearlyrepaymentofpartoftheSecuredAmountsandifthepartrepaymentisof£1,000ormore,wewillrecalculateyourMonthlyPayment.

4.3 If:

(a) theamountyoupaytousonanyInterestPaymentDayexceedstheamountofyourMonthlyPaymentoflessthan£1,000or

(b) youmakeearlyrepaymentofonlypartoftheSecuredAmountsoflessthan£1,000.

WewillnotrecalculateyourMonthlyPaymentuntilyourMonthlyPaymentnextchangesasaresultofachangetotheInterestRate.

4.4 WeshallapplyallrepaymentsmadeunderthisCondition4,toreducetheLoanAmountontheBusinessDaythatwereceivethemonies,orifapaymentismadebychequeafterwehavereceivedconfirmationofclearedfunds.AdeductionwillbemadeforanyfeeorchargepayablebyyouassetoutintheMortgageOfferorourthenTariffofCharges.

5. YOUR OBLIGATIONS

5.1 Youagreethatyouwillnotdoanyofthefollowingwithout our prior written consent:

(a) CreateorallowtoexistanystandardsecurityoranyotherSecurityInterestupontheProperty;

(b) TransferorconveyalloranypartofthePropertytoanyperson(otherthanyou);

(c) AllowanyoneelsetoacquireanyrightsovertheProperty,grantanyleaseortenancyoftheProperty,giveanypersonanycontractualorotherlicenceorrighttooccupytheProperty,acceptthesurrenderofanyleaseorsharethePropertywithanyoneelse;

(d) DoorfailtodoonthePropertyanythingwhichwouldcontraveneanylegislationinforcerelatingtotownandcountryplanningorenvironmentallaws;

(e) UsethePropertyexceptasasingleprivatedwellinghouseandasyourprivateresidenceunlesswehavealreadygivenpermissionforanalternativeuseforthePropertyintheMortgageOffer;

(f) Applyfororobtainanimprovementgrantorothersimilargrant,makeanystructuralalterationsoradditionstothePropertyordemolishorremoveanythingwhichisintendedtoformpartoftheProperty,excepttoreplaceitwithsomethingsimilarofthesameorgreatervalue;

(g) Do,orfailtodo,orallowanythingtobedone,ornottobedone,whichmayresultinthePropertybecomingsubjecttoanystatutoryorotherlegalrightwhichmaybindus;

(h) Negotiate, waive or settleanyclaimforcompensation(whetherpayableunderanyenactmentorotherwise)inrespectofthecompulsory acquisition,lossof,damageto,orreductioninvalueoftheProperty;

(i) Close the current accountmaintainedbyyoufromwhichMonthlyPaymentsaremadeoralterthedirectdebitmandatetothebankorbuildingsocietyatwhichsuchaccountismaintainedormakeanyotheralterationstothemethodofpaymentagreedwithus;

(j) DoorfailtodoanythingwhichmightresultinthePropertybeingdamagedorreducedinvalueorallowanythingwhichmightdamagethePropertyorreduceitsvalue.

5.2 Youfurtheragreethatyouwilldoallofthefollowing:

(a) Promptly notify us in writingifandwhenevertheProperty shall be left vacantforaperiodexceeding28days;

(b) Promptly notify us in writingofanynoticeorinformationreceivedbyyouconcerninganyproposalforthecompulsory acquisitionofthePropertyoranypartofit,oranyothermatterwhichmightadverselyaffectthevalueofthePropertyincluding,withoutlimitation,anyplanningapplicationand(atyourcost)totakeanyactionregardingthesameaswemayreasonablyrequire;

(c) Keep the Property in good and substantial repair and conditionandgooddecorativeorderandkeepthegardens(ifany)ingoodorderandproperlycultivated;

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(d) Perform and observe all title conditions, stipulations, regulations and agreementsaffectingtheProperty,includinganyobligationsunderanylease,licenceorotherdocumentunderwhichthePropertyisheldorused;

(e) Comply with all statutory and other requirementsofallcompetentauthoritieswhichaffectorrelatetothePropertyandprovidewrittenevidenceofsuchcompliancetousonrequest;

(f) Punctuallypay all taxes, rates, rents and outgoings assessed or payable on the PropertyorbytheowneroroccupierofthePropertyandtodischargeallliabilitieswhichrankormaycometorankinprioritytothesecuritycontainedintheMortgage;

(g) Allow us(andanypersonsauthorisedbyus)tohaveaccess to the PropertyatallreasonabletimesandafterreasonablenoticetocarryoutanysurveyorinspectionwhichwemayreasonablydecidetobenecessaryandtodoanyworkwhichyouhavefailedtodoinaccordancewithyourobligationsundertheConditions;

(h) WherewehaveretainedanyoftheLoanAmountuntil you complete specified workstotheProperty,carryoutandcompletethoseworkswithinsixmonthsoftheIssueDatetothereasonablesatisfactionofoursurveyorandtopayhisreasonablere-inspectionfee(ifany);

(i) (IfthePropertyisheldunderalonglease)grantastandardsecuritytous(insuchformasweshallreasonablyrequire)overanysuperiorleaseorthelandlord’sinterestoranyextensionorrenewaloftheleaseterminthePropertywhichyoumayacquireafterthedateofthisMortgage;and

(j) Wherethereismorethanoneborrower,promptlynotifyusinwritingifanyoneofyoudies.

If you fail to observe or punctually to perform any of your obligations under the Mortgage, we shall have power on your behalf or otherwise to perform any or all of those obligations and to take any steps which we may reasonably think necessary to remedy the failure. However, the exercise of that power or the failure to exercise it shall in no circumstances prejudice our rights under the terms of the Mortgage and our waiver of any breach of the Conditions or of the Mortgage shall not prevent the subsequent enforcement of any of them and shall not be deemed a waiver of any subsequent breach.

6. INSURANCE

6.1 Youfurtheragree(butsubjecttoCondition6.5below)to keep the Property insured to its full rebuilding cost(whichshallbenotlessthantheamountdeterminedbyus)underapolicywhichshall:

(a) includeprovisionforadjustmentofthesuminsuredatleastannuallyandinaccordancewiththepublishedalterationsintheHouseRebuildingCostIndexpreparedbytheRoyalInstitutionofCharteredSurveyorsorsuchotherindexasweshallreasonablyapprove;

(b) includeprovisionforarchitects’andsurveyors’feesandcostsofdemolitionanddebrisremoval;

(c) provideinsurancewithinsurersapprovedbyus,ourapprovalnottobeunreasonablywithheld;

(d) providecoveragainst loss or damage by fire, storm or flood, burst pipes, lightning, explosion, riot, civil commotion, malicious damage, impact by aircraft other aerial devices or articles dropped from aircraft, or by any road vehicle, train, animal or falling tree, earthquake, subsidence, heave and landslip and such additional or other risks as we may from time to time reasonably specify;and

(e) ineverycasewithourinterestnotedontherelevantpolicy.

6.2 You shall promptly pay all premiums and other sums payableinrespectofallinsurancesrequiredundertheConditionsandshalldelivertousalloranyofthepolicies.Ondemand,youshallproducethereceiptsforthelastpremiumspayableorshallprovideotherevidencesatisfactorytousastothetermsofinsuranceandthepaymentofpremiums.

6.3 Youshallnotdo,permittobedoneorfailtodoanythingonthePropertywhichmayprejudiciallyaffecttheinsuranceofthePropertyorwhichmayincreasethepremiumpayableinrelationtosuchinsurance.

6.4 You shall hold any monies receivedbyyouinrespectofanyinsuranceoftheProperty(whethermaintainedundertheConditionsornot)ontrusttoapplythosemonies:

(i) inreplacingorrepairingthePropertyinrespectofwhichthemonieswerereceived;or

(ii) ifanyoftheSecuredAmountshavebecomedue,inortowardsdischargingthoseSecuredAmounts.

6.5 Totheextentthat,intermsofthetitleunderwhichthePropertyisheld,anotherpartyhasagreedwithyou:

(a) toinsurethePropertyagainstalloranyoftherisksmentionedinCondition6.1,forthefullrebuildingcostoftheProperty;and

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(b) toapplytheinsurancemoniesinortowardsmakinggoodthelossordamageinrespectofwhichsuchmoniesarereceived;

andprovidedthat:

(c) anoteoftheinterestsofyouandusasheritablecreditorhasbeenendorsedontherelevantpolicy;and

(d) youproducetouswhensorequestedthepolicyofsuchinsurance,oracertifiedcopy,orfullandsufficientdetailsofthepolicyandfromtimetotimeevidenceofthepaymentofthecurrentpremiumpayable,wewillacceptsuchpolicyassatisfying,or(asthecasemaybe)partiallysatisfying,yourobligationsastoinsurancecontainedinCondition6.1.

7. FEES AND EXPENSES

7.1 Youfurtheragreeon demand to pay all Costsby,orchargedto,usinconnectionwiththeMortgageincluding,butnotlimitedto,allreasonablecosts,fees,chargesandexpenses(includinglegalfees,administrationcosts,additionalfundingcostsandanytaxonthese)paidorincurredby,orchargedto,usinconnectionwiththeMortgageincluding(butnotlimitedto)theexamplesgiveninCondition7.2.

7.2

(a) WhereCostsarisebecauseyouaskustoprovideadocumentorserviceinconnectionwiththeMortgage,whethertoyouoranyoneelse,theamountoftheCostwechargeyouwillbeassetoutfromtimetotimeinourTariffofCharges.Examplesofactivitieswemaychargeforunderthisparagraphinclude(butarenotlimitedto):

• supplyingorcopyingdeedsordocumentstoyouoranyoneactingforyou;

• dischargingtheMortgage;

• releasingthePropertyortheRelatedRights(asdefinedinCondition15.1)fromoursecurity;

• releasinganytitledeeds;

• processingyourapplicationforanyfurtheradvanceandforanychangeinthetermsoftheMortgageOffer;

• givingyouanyassistanceorinformationinconnectionwiththeProperty,theMortgageOfferortheMortgage.

(b) WhereweincuraCosttosafeguardoursecurityorbecauseyoufailtofulfillanobligationyouhaveundertheMortgageOfferortheMortgageyoumustpayusallreasonableCostswhichwereasonablyincurtoprotectourpositionorasaresultofyourfailure.Whereweareabletomakeagenuinepre-estimateoftheexpenseswearelikelytoincur,theamountoftheCostwewillchargewillbesetoutfromtimetotimeinourTariffofChargesandwillbelimitedtothisamountbutotherwisewillbeunlimitedinamount.Examplesofactivitiesforwhichwemaymakeachargeunderthisparagraphinclude(butarenotlimitedto):

• anylegalproceedingsrelatingtotheMortgage(thisapplieswhetherornotyouareapartytotheproceedings);

• exercisinganyoftherightsorpowersgiventousbystatuteortheConditions;

• recoveringanyoftheSecuredAmounts;

• protectingorpreservingoursecurity;

• checkingthatanyinsuranceofthePropertythatyouhavearrangedisadequateforourpurposes;

• insuringthePropertywhereyouhaveaskedustodosoorfailedtodosoinbreachofyourobligationundertheMortgage.

7.3 TheamountspayableunderCondition7.2shallcarryinterestattheInterestRatefromthedateonwhichtheyarepaid,incurredorchargedbyortousuntilthedateofpaymentbyyou.

7.4 WecanatanytimevaryoraddtotheCostssetoutinourTariffofChargesifitistoyouradvantage(forexampleifwereduceorabolishanyCost)orforanyoneormoreofthefollowingreasons(whichmayrelatetocircumstancesexistingatthetimeorthosewhichwereasonablyexpecttoapplyinthenearfuture):

(a) totakeaccount,inaproportionatemanner,ofreasonablechangestoourcostsinprovidingtheserviceforwhichtheCostismade;

(b) totakeaccount,inaproportionatemanner,ofanychangesinrelevantlaws,codesofpracticeorregulationsortotakeaccountofanydecision,requirementorrecommendationbyacourt,ombudsmanorregulator;

(c) totakeaccountof,inaproportionatemanner,inflation;

(d) totakeaccountof,inaproportionatemanner,theadditionalcostofanychangestoorimprovementswemaketotheservicesorfacilitieswealreadyprovidetoourmortgagecustomers,includingtechnologicalchange;

(e) totakeaccountof,inaproportionatemanner,changeswemayreasonablymakeintheactivitieswecarryoutortocarryoutnewactivities;

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(f) wherewereasonablyconsiderachangetobefairertoourcustomersortocorrecterror;

(g) tomaintainthefinancialstrengthofourbusinessintheinterestsofallourcustomers;

(h) byagreementwithyou;

(i) intheeventofusbeingtakenoverby,ormergingwith,anothermortgageprovider,toenableustobringtheCostschargedbybothpartiesinlinewitheachotherinareasonablemanner.

7.5 WehavesentyouacopyofourTariffofChargeswiththeMortgageOffer.YoucanfindoutaboutourcurrentTariffofChargesatanytimebycontactingus,forexample,bytelephoneorlookingonourwebsite.

8. OUR RIGHTS AND REMEDIES - OUR RIGHT TO SELL THE PROPERTY

In addition to the circumstances specified in the Act, you shall be in default in terms of Standard Condition 9(1)(b) and our right to sell the Property and all other remedies under the Mortgage shall be exercisable immediately in any of the following cases:

(a) ifyoufailtopayanamountequaltotwoMonthlyPaymentsdueundertheMortgage;

(b) ifthereisamaterialorpersistentbreachofanyotherConditionoragreementonyourpartandyoushallhavefailedtoremedythatbreachwithinareasonabletimeofusrequiringsuchbreachtoberemedied;

(c) ifyouaresequestratedorabankruptcyorderismadeagainstyou(oranyofyou);

(d) ifyou(oranyofyou)makeavoluntaryarrangementwithorforthebenefitofyour(oranyofyour)creditors;

(e) ifanyonetriestoseizeyour(oranyofyour)assetsunderacourtorder;

(f) ifalandlordtriestoseizeassetsbecauseyou(oranyofyou)havenotpaidrentdueinrespectoftheProperty;

(g) ifthePropertyshallbecompulsorilypurchased;

(h) ifwebecomeawareofanymaterialmisrepresentationin,oranymaterialomissionfrom,anyinformationsuppliedtousinconnectionwiththeMortgage.

(i) ifthereisamaterialbreachonyourpartofanyotheragreement,enteredbetweenyouandus,andyoushallhavefailedtoremedythatbreachwithinareasonabletimeofusrequiringsuchbreachtoberemedied;

(j) uponthedeathoftheborrower(orwherethereismorethanoneborroweruponthedeathofthelastsurvivorofthem)

(k) ifyousurrenderpossessionofthePropertytous.

9. OUR RIGHTS AND REMEDIES - OUR ADDITIONAL POWERS

Our power to sell the Property and our other powers conferred by the Act are extended and varied so that we, at our absolute discretion, are authorised by you:

9.1

(a) tosellthePropertyunderanagreementwherethepurchaserwouldpayallorpartofthepurchasepriceatalaterdateordatesfollowingcompletion(anagreementfordeferredconsideration),whetherornottheagreementissecuredbyaSecurityInterestoraguarantee;

(b) tograntanyoptiontopurchasethePropertyandtoeffectexchangesinrelationtoit;

(c) torepair,replaceanddevelopthePropertywithaviewtosellingthePropertyorofferingitforsaleandtoapplyforanyappropriatepermission,licenceorapprovalinconnectionwithanysuchrepair,replacementordevelopment;

(d) toinsuretheProperty(includingmaintaining,renewingandincreasinginsurances)againstwhateverrisks(inadditiontolossordamagebyfire)andforwhateveramountsaswemayreasonablyconsiderprudentand;

(e) tomanagethePropertyincludingcollectingandreceivingallrents,arranginganynecessaryrepairandmaintenanceoftheProperty,ensuringcompliancewiththelocalauthorityrequirementsandservingnoticesundertherelevanthousinglegislation.

9.2 WeshallnotbeliabletoaccountasheritablecreditorinpossessionifweenterintopossessionoftheProperty.IfandwheneverweenterintopossessionoftheProperty,weshallbeentitledatanytimetogooutofpossession.

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10. OUR RIGHTS AND REMEDIES - POWERS OF LEASING

The powers of leasing and accepting surrenders of leases conferred by Section 20 of the Act (these provisions give us certain rights after we take possession of the Property) are extended and varied to authorise us at any time after our right to enforce the Mortgage has become exercisable:

(a) forsuchconsiderationaswemayreasonablyconsiderappropriateorinrelationtoCondition10(ii)withoutconsideration;

(b) onsuchtermsaswemayreasonablyconsiderappropriate;and

(c) whetherornotweareinpossessionoftheProperty;

to do all or any of the following:

(i) to grant (subject to the provisions of the Act) any lease of the Propertysubjecttoandwiththebenefitofsuchobligations,conditionsandprovisionsandgenerallyuponwhatevertermswemayreasonablythinkappropriate;and

(ii) to accept or agree to accept any surrender of a leaseoftheProperty.

11. RIGHTS AND REMEDIES - YOUR GOODS

11.1 IfwetakepossessionofthePropertyandyouhavenotremovedanyremainingfurnitureorgoodswithinfourteendays,thenweshallhavefullauthorityatyourexpenseandrisktoremove,store,selland/ordisposeofsuchfurnitureorgoodsinsuchmannerandonsuchtermsasweshallreasonablythinkfit.

11.2 NothingcontainedintheMortgageshallgiveusanysecurityorrightsinrespectofanyfurnitureorgoodsasmentionedinCondition11.1ortotheproceedsofsalefromthem.

11.3 WeshallhavenoliabilitywhateverforanylossordamagecausedbyorfollowingtheexerciseorpurportedexerciseoftheauthoritiesspecifiedinthisCondition11,providedthatwewereactingreasonablyandingoodfaithattherelevanttime.

11.4 TheobligationtoreimburseuscontainedinCondition16andgivenbyyoushall(withoutprejudicetothegeneralapplicationofthatCondition)extendtoanyliabilitiesincurredbyusingoodfaithregardingthesale,purportedsale,attemptedsaleordisposalingoodfaithbyusofanysuchfurnitureorgoodsinwhichanyotherpersonhasaninterestorownership.

12. OUR RIGHTS AND REMEDIES – POSSESSION

Youagreethat,ifyouareindefaultandtheSecuredAmountshavebecomedueandpayable,you shall vacate the Property and give us possession of itafterwehavegivenyousevendays’writtennoticerequiringyoutoleavetheProperty.YoufurtheragreethatwemayapplyforacourtorderorwarrantforpossessionofthePropertyinanySheriffCourtintheareainwhichthePropertyissituatedatanytimeaftertheperiodofsevendaysspecifiedinthenotice.

13. TRANSFER OR ASSIGNATION OF THE MORTGAGE

13.1 Wemaytransfer,assignorgrantsecurityoverthebenefitoftheMortgageand/ortheMortgageOfferand/oranySecurityInterestsupplementalorancillarytotheMortgageand/oranyotherrelevantdocumentstoanypersonatanytimeatourabsolutediscretion.

13.2 Inaddition,wemayatanytime,withoutyourconsentandwithoutnoticetoyou,assignalloranyofourrightsandbenefitsand/ortransferalloranyofourrightsandobligationsundertheMortgageorthebeneficialinteresttherein,togetherwithanySecurityInterestsupplementalorancillarytotheMortgage,toanyperson.YourownrightsandobligationsundertheMortgagewillremainunaffected

13.3 Wemay,withoutyourconsentandwithoutnoticetoyou,provideapotentialtransfereeorassigneeoranypersonontheirbehalfwithinformationinrelationtoyou,theMortgageandsuchothermattersasweconsiderappropriate.

13.4 Youagreethatyouwillbeboundtoanytransferee,assigneeorchargeeinthemannerandonthetermsthatyouareboundtousundertheMortgage.

14. PROTECTION OF THIRD PARTIES

Apurchaserfromusoranyotherpersondealingwithuscansafelyassumethatweareactingwithinourpowers.TherightsofapurchaserinrelationtothePropertyshallnotbecapableofchallengebyreferencetotheexerciseofsuchpowers.

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15. RELATED RIGHTS

15.1 InthisCondition15“RelatedRights”means:

15.1.1 anyoptiontopurchasetheheritabletitleorsuperiorleaseoranewlongleaseoftheProperty;

15.1.2 anyrighttoreceivemoneywhichbecomespayableinrespectofthePropertyorfollowinganydamagetoordepreciationofthePropertyincludingmoneypayableforminingsubsidenceorcompulsorypurchase;

15.1.3 anyshareormembershiprightsinaresidents’associationormanagementcompanyrelatingtotheProperty;

15.1.4 allsumspayableunderanydefectivetitleorrestrictivecovenantindemnityinsurancepolicyrelatingtotheProperty;

15.1.5 anyguarantees,warrantiesorinsurancesrelatingtothePropertyincludingguaranteesforworkdonetotheProperty;and

15.1.6 anyotherbenefitorrightofanykindrelatingtothePropertyoritsconstructionortitle.

15.2 AsfurthersecurityforthemoniesandliabilitiessecuredbytheMortgage,byyoursignatureoftheMortgageyouassigntheRelatedRightstousandagreethatwehavethefullpowertogetin,exerciseanddealwithalltheRelatedRightsasifwewereabsolutelyandbeneficiallyentitledtothem.

15.3 AnyproceedsoftheRelatedRights,afterdeductinganycosts,chargesandexpensesincurredbyus,willbeappliedinreducingtheSecuredAmounts,andanysurplusshallbepaidtoyou.

16. AGREEMENT TO REIMBURSE US

16.1 Youagreeasaseparateandindependentagreementondemandtoreimburseusagainstallreasonablecosts,claims,proceedingsandliabilitiesreasonablyincurredbyuswhich:

(a) wemayreasonablyincur,orwhichmaybemadeagainstus,whetherbeforeorafterourpowertosellthePropertyhasbecomeexercisableinconnectionwiththeMortgage;

(b) ariseasaconsequenceofanythingdoneorpurportedtobedoneundertheConditions;

(c) resultfromyoufailingtodoanythingundertheConditions;or

(d) resultfromanypaymentordischargeinrespectoftheSecuredAmounts(whethermadebyyouorathirdperson)beingchallengedordeclaredvoidforanyreasonwhatsoever.

16.2 TheamountspayableunderCondition16.1shallcarryinterestattheInterestRatefromtherespectivedatesonwhichtheywerepaidorincurredbyusuntilpaymentinfullbyyou.

17. FURTHER ASSURANCES AND POWER OF ATTORNEY

17.1 Youagreewithus,notwithstandingthatourpowertosellthePropertymaynothavebecomeexercisable,to promptly execute any documentordoanyactorthingwhichwemayreasonablyspecifyfor:(a) perfectingorimprovinganysecuritycreated,orintendedtobecreated,bytheMortgage;(b) facilitatingtheexerciseortheproposedexerciseofanyofourpowers,ortheprotection,managementorrealisation

oftheProperty;or(c) forthepurposementionedinCondition17.2.

17.2 ForthepurposeofsecuringourinterestintheProperty,youirrevocablyandbywayofsecurityappoint us to be your attorney:(a) withfullpowertoappointsubstitutesandtosub-delegateonyourbehalfandinyourname;and(b) toexecuteanydocumentordoanyactorthingwhichyouareobligedtoexecuteordo:

(i) undertheMortgage;(ii) underanySecurityInterestsupplementalorancillarytotheMortgage;or(iii) whichwe(oroursubstituteordelegate)mayreasonablyconsiderappropriateinconnectionwiththeexerciseof

anyofourpowers.

17.3 Anypersonappointedasoursubstituteordelegateshall,inexercisingthatpowerofattorney,beyouragentandyoushallbetheonlypersonresponsiblefortheactsanddefaultsofthatsubstitutedpersonordelegate.Weshallnotberesponsibleforanymisconduct,negligenceordefaultofthatsubstitutedpersonordelegate.

18. MISCELLANEOUS

18.1 ThesecurityconstitutedbytheMortgage:

(a) shallbeacontinuingsecuritytousnotwithstandinganyintermediatesettlementofaccountorothermatter;and

(b) isinadditiontoandshallnotaffectanyotherSecurityInterest,documentorrightwhichwemaynowormayatanytimeholdorhave(apartfromtheMortgage)asregardsyouoranyotherpersoninrespectoftheSecuredAmounts.

18.2 Weneednottrytoenforceanyothersecurity,guaranteeorrightbeforeseekingorobtainingpaymentundertheMortgage.

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18.3 Therights,remediesandpowersconferredonusundertheMortgagearecumulativeandwithoutprejudicetoourpowersunderthegenerallaw.Theymaybeexercisedasoftenaswethinkappropriate.Awaiverisvalidonlyifitisgivenbyusinwriting.

18.4 Evenifwedelayinexercising,ordonotexercise,anyofourrightsorremediesundertheConditions,wemaystillexerciseanyofourrightsorremedieslater.

18.5 IftheConditionsareinconsistentwiththeMortgageOfferinrespectofanymatter,thenthoseprovisionsoftheMortgageOfferwillapply.

19. GENERAL VARIATION OF CONDITIONS

19.1 SubjecttoConditions2(TheInterestRate),3.8(MonthlyPayments)and7.4(FeesAndExpenses)wemaychangethetermsandconditionswhichapplytoyourMortgageforoneofthefollowingreasonsinordertoreasonablyreflectthefactthatanyofthefollowinghaveoccurredorareabouttooccur,providedthatwedonotdosoforanyarbitraryorimproperpurpose.

(a) Tomakethemeasiertounderstandandfairertoyou;

(b) Totakeaccount,inaproportionatemanner,ofanychangesinrelevantlaws,codesofpracticeorregulationsortotakeaccountofanydecision,requirementorrecommendation,byacourt,ombudsman,regulatororsimilarperson;

(c) Toenableustomakereasonablechangestothewaywelookafteryouraccountsasaresultofchangesin(i)thebankingorfinancialsystem;(ii)technology;(iii)thesystemsweusetorunourmortgagelendingbusiness;or

(d) Foranotherreasonasagreedwithyou.

Wewillgiveyou30daysnoticeofanysuchchangeandtheamendmentshalltakeeffectfromthedatespecifiedinsuchnotice.

20. NOTICES AND COMMUNICATIONS

20.1 Anynoticeorcommunicationtoyoushallbetreatedashavingbeenproperlyserveduponyouifdelivered by hand or if sent by post to the Property(orotheraddressnotifiedtousbyyou).Wherethereismorethanoneofyou,itshallbesufficientifthenoticeisservedon,oraddressedto,anyoneofyou.

20.2 AnoticeordemandunderCondition20.1willbetreatedashavingbeeneffectivelyservedonyou:

(a) ifdeliveredbyhand,atthetimeofdeliveryoratthetimeofbeingleftattheaddressreferredtoinCondition20.1;or

(b) ifsentbyfirst-classpre-paidlettertoanaddressintheUnitedKingdom,attheearlierofthetimeofdeliveryand10.00amonthedayafterposting;or

(c) inanyothercase,72hoursfromthetimeofdespatch.

20.3 Ifyou(oroneofyou)diesanduntilwereceivenoticeinwritingofthegrantofconfirmationtoyourestateorprobateofyourwillorlettersofadministration,anynoticeordemandbyusgivenormadebyanyofthemethodsmentionedinthisConditionshallbetreatedashavingbeenproperlygivenormadebyustooronyouandtooronyourexecutorsorpersonalrepresentativesasifyouwerestillliving.

21. MANAGEMENT COMPANY

21.1 IfthePropertyisheldbyyouunderalongleasewhichrequiresthelesseetobeamemberofamanagementcompany,youshalldepositwithusyoursharecertificateorothercertificateofmembershipofthemanagementcompany.Youirrevocablyandbywayofsecurityappointusasyourattorneyandinyournametoexecuteatransferofsuchshareormembershiptoanypersontowhomwemayconvey,transferorassignthePropertyunderourpowersundertheConditions.

22. REPAYMENT BY US

If:

(a) wereceivepaymentofanyoftheSecuredAmountsfromyouoranyotherperson;and

(b) wearelaterorderedunderanyinsolvencylawtorestorethepositiontowhatitwouldhavebeenifwehadnotreceivedthatpayment,youwillbeliableasifwehadneverreceivedthatpayment.

23. PARTIAL INVALIDITY

EachoftheConditionsmaybeseparatedfromeachotherCondition.IfatanytimeanyConditionbecomesillegal,invalidorunenforceable,thiswillnotaffectanyoftheotherConditions.

24. STANDARD CONDITIONS

StandardConditions1to6(inclusive)and12shallnotapplytotheMortgage.

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25. LAW

TheapplicablelawofthisDeedisScotslaw.

26. INDEPENDENT LEGAL ADVICE

IfyouhaveanyqueriesaboutanyoftheseConditionsyoushouldseekindependentlegaladvice.

27. FLEXIBLE MORTGAGES

IfyourMortgageOfferspecifiesthatunderpayments,paymentholidaysandoverpaymentsareavailableandthatdetailedrulesontheuseofthosefeaturesaresetoutintheMortgageConditionsthenthePlatformFlexibleMortgageConditionscontainedinAppendixAtothisdeedshallapplytotheMortgage.

INWITNESSWHEREOFthesepresentsconsistingofthisandtheprecedingtwelvepagesaresubscribedforandonbehalfofusthesaidTheCo-operativeBankp.l.c.byDavidHennessey,AssistantCompanySecretary,anddulyauthorisedbyustoactinthatbehalf,atMillerStreetTower,MillerStreet,Manchesteron19JanuaryTwoThousandandSixteenbeforethiswitnessLisaHartshornofMillerStreetTower,MillerStreet,Manchester.

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APPENDIX A

PlatformFlexibleMortgageConditions

1 Flexible Options

1.1 IfyourMortgageOfferspecifiesthatallthefollowingareavailable:

(a) underpayments;

(b) paymentholidays;and

(c) overpayments

(allofwhichwerefertoasflexibleoptions)thenthesePlatformFlexibleMortgageConditionsshallapplytoyourMortgageandthoseflexibleoptions.The flexible options are not available unless your Mortgage Offer specifies that they are and if they are not available the remainder of these Platform Flexible Mortgage Conditions will not apply.

1.2 Theseflexibleoptionsshallnotapplytoanyfurtheradvance.

1.3 Beforeyoucanexerciseaflexibleoption(otherthananoverpayment)youmusthavemadesixconsecutivemonthsfullMonthlyPaymentssincethemortgagecommenced.

1.4 Toexerciseaflexibleoption(otherthananoverpayment)youmustsubmitacompletedFlexibleOptionsRequestFormatleast14daysbeforeyourequiretheunderpayments/paymentholidaytocommence.SubjecttoConditions1.3and5wewillcomplywithyourrequest.

1.5 WheretherearejointBorrowersyoumustallrequesttheexerciseoftheflexibleoptionandallandeachofyouwillbeliableinfullforallindebtednessarisingastheresultofthetakeupofanyoftheflexibleoptions.

2 Overpayment Fund

2.1 UnderthisFlexibleMortgageyouhaveanOverpaymentFund.Thisisthemaximumamountwearepreparedtoallowyoutounderpay(whetherthatunderpaymentisasaresultofapaymentholidayorunderpayment).

2.2 TheOverpaymentFundatanytimeisequaltothetotalofyouroverpayments(beingthetotalamountyouhavepaidoverandaboveyourcontractualMonthlyPaymentincludinganyearlyrepaymentchargeyouhavepaidlessthetotalamountyouhaveunderpaidandanyearlyrepaymentchargedebitedtoyouraccount).

2.3 WemayreduceorwithdrawyourOverpaymentFundatanytimeforthereasonssetoutinCondition5.

2.4 IfyoumovehouseandarrangeanewPlatformmortgageforthenewpropertyontheseproducttermsyouwillnotbeabletotakeanyexistingOverpaymentFundwithyoutothenewmortgageandatthestartofthenewmortgagetheOverpaymentFundwillbe£0.

3 Payment Holidays and Underpayments

3.1 SubjecttoCondition1.3youmayapplytodeferoneormoreMonthlyPayments,ortomakeoneormoreunderpaymentsof£50ormoreatanytime.Wewillwritetoconfirmwhetheryourapplicationhasbeensuccessfulandifitiswhenthepaymentholidays/underpaymentsmaycommencefrom.Ifyourapplicationisunsuccessfulwewillwritetotellyouthisandexplainwhy.

3.2 AmaximumofsixMonthlyPayments/underpaymentsmaybemissed/madeinanyperiodoftwelveconsecutivemonths.

3.3 WhenyourrequestforapaymentholidayorunderpaymentsisacceptedyourdirectdebitMonthlyPaymentwillbesuspendedoramendedfortheperiodofthepaymentholiday/underpaymentandreactivatedwhenthepaymentholidayorunderpaymentperiodends.

3.4 AlthoughtheobligationtomakeMonthlyPaymentsissuspendedorreducedduringtheperiodofthepaymentholiday/underpayments,interestcontinuestoaccrueontheSecuredAmounts.ThisaccruedinterestwillbeaddedmonthlytotheSecuredAmountsandtheMonthlyPaymentswhentheyrecommencearelikelytobegreaterthanbeforethepaymentholiday/underpaymentsweretaken.Wewilladviseyoubeforetheendofthepaymentholiday/underpaymentoftheexpectedMonthlyPayment,whichwillapplyattheendofthepaymentholidayorunderpaymentperiod.

4 Overpayments and Early Repayment Charges on them

4.1 Overpaymentsofanyamountmaybemade.Thereisnominimumamount.

4.2 Overpaymentsmaybepaidbycheque,debitcardorbankgirocreditatanytime,or,inthecaseofregularoverpaymentsyoucanarrangetopaybyDirectDebitwhichwillbecollectedaspartofyournormalMonthlyPaymentorbyStandingOrder.IfyouaremakingregularoverpaymentsbyDirectDebityoucanchoosetopayafixedsumeachmonthirrespectiveofyournormalMonthlyPayment,orafixedamountinadditiontoyournormalMonthlyPayment.

WheretheeffectofoverpaymentswouldotherwisebetorepaytheSecuredAmountswithinthetermofyourMortgageyoumayatanytimeaskustorecalculateandreducetheMonthlyPaymentsothattheSecuredAmountsarerepaidattheendofthetermoftheMortgage.WewillalsorecalculateyourMonthlyPaymenttotakeaccountofanyoverpaymentattheendoftheAccountYear(oneyearfromandincludingtheIssueDateandeachsuccessiveperiodofoneyear),wheneverwechangeaMonthlyPaymentfollowingachangetotheInterestRateoriftheamountofanoverpaymentisfor£1,000ormore.

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4.3 Overpaymentstoyourmortgageaccountcanbemadeusinganyofthefollowing:

(a) Sendachequemadepayabletousre(insertyourname).Pleaseensurethatyouquoteyourmortgagereferencenumberonthereverseofthecheque.

(b) ArrangewithusforyourDirectDebittobeincreasedforanagreedperiod.

(c) ArrangewithyourBankorBuildingSocietytomakearegularpaymentbyStandingOrder.

(d) ArrangeforextrafundstobetransferredtoyourmortgageaccountbyBACS/CHAPS.

(e) Arrangewithusforapaymenttobemadetoyourmortgageaccountbydebitcard.

4.4 YouwillhavetopayanearlyrepaymentchargeattheendofanAccountYeariftheperiodoftimeforwhichanearlyrepaymentchargeispayable(the“earlyrepaymentchargeperiod”)expiresonoraftertheendofthatAccountYearandyouhavemadeoverpayments,duringtheAccountYear,inexcessof£12,000or10%oftheLoanAmountatthestartoftheAccountYear(whicheveristhehigher).Theearlyrepaymentchargewillbecalculatedontheamountofoverpaymentsinexcessofthatamountattheratewehaveagreed.

4.5 Youwillhavetopayanearlyrepaymentchargeattheendoftheearlyrepaymentchargeperiodif,sincethestartoftheAccountYearinwhichtheoverpaymentsaremade,youhavemadeoverpaymentsinexcessof£12,000or10%oftheLoanAmountatthestartofthatAccountYear(whicheveristhehigher).Theearlyrepaymentchargewillbecalculatedontheamountofoverpaymentsinexcessofthatamountattheratewehaveagreed.IftheearlyrepaymentchargeperiodexpiresattheendofanAccountYear,anyearlyrepaymentchargewillbepayableunderCondition4.4only,notthisCondition4.5

4.6 YouwillhavetopayanearlyrepaymentchargewhenyourepaytheLoanAmountinfullifyourepayitduringtheearlyrepaymentchargeperiod.YouwillhavetopaytheearlyrepaymentchargeattheratewehaveagreedonthefullamountoftheLoanAmountyourepayonthatdayandonanyamountoverpaidbeforethatday,sincethestartoftheAccountYearduringwhichthatrepaymentismade,inexcessof£12,000or10%oftheLoanAmountatthestartofthatAccountYear(whicheveristhehigher).IfyourepaytheLoanAmountinfullduringtheearlyrepaymentchargeperiod,anyearlyrepaymentchargepayablesincethestartoftheAccountYearinwhichthatrepaymentismadewillbepayableunderthisCondition4.6only,notConditions4.4or4.5.

4.7 ForthepurposesofConditions4.4,4.5and4.6,overpaymentsarecalculatedinaccordancewithCondition2.2

5 Withdrawal of Flexible Options and Overpayment Fund

5.1 Wemayrefuseyourapplicationtoexerciseaflexibleoptionif:

(a) theOverpaymentFundislessthantheamountyouwishtounderpay;

(b) wereasonablyconsiderthatyoumaynotmakeormaynotbeabletomaketheMonthlyPaymentsattheendofthepaymentholidayortheperiodofunderpayments.

5.2 Wemayatanytimerefuseyourapplicationtoexerciseaflexibleoption,withdrawyourrighttoexerciseanyoralloftheflexibleoptions(otherthanoverpayments)and/orreduceorwithdrawyourOverpaymentFundif:-

(a) therearearrearsonanyofyourmortgageaccountswithusortherehavebeenarrearsonanyoftheseaccountsduringtheprevioussixmonths;

(b) youarereceivinganypaymentsintendedtocoveryourMortgagePayments(orpartofthem)whetherunderaninsurancepolicyinrespectofaccident,sicknessorunemployment,orfromtheDepartmentofWorkandPensionsorotherwise;

(c) abankruptcyorsequestrationorderismadeagainstyouoryoubecomeapparentlyinsolventormakeorproposeanycompositionorarrangementwithorforthebenefitofyourcreditorsgenerally;

(d) youareinbreachofamaterialMortgageCondition,FlexibleMortgageConditionorSpecialConditionwhichappliestotheSecuredAmounts;

(e) weconsideritnecessaryinordertomeettherequirementsof,orrecommendationsmadeby,theFinancialConductAuthorityoranyotherbodyresponsibleforregulatingourbusiness.

IfweexerciseourrightsunderthisCondition5.2wewillwritetoyouwithin7daysinformingyouthatwehavedonesoandofyournewOverpaymentFund(ifany).

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MKT1221501/2016

The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. is a member of the Council of Mortgage Lenders and subscribes to the Lending Code which is monitored by the Lending Standards Board.Calls to 0800 and 0808 numbers are free from landlines and mobiles. Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company’s access charge. Calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge. Calls may be monitored or recorded for security and training purposes.

413292_BNA_MKT12215.indd 19 19/02/2016 10:31

STANDARD SECURITY

BY

IN FAVOUR OF

THE CO-OPERATIVE BANK P.L.C.(TRADING AS PLATFORM)

SUBJECTS:

Solicitors:

Reference:

�

The�Co-operative�Bank�p.l.c.�is�authorised�by�the�Prudential�Regulation�Authority�and�regulated�by�the�Financial�Conduct�Authority�and�the�Prudential�Regulation�Authority��(No.�121885).�The�Co-operative�Bank,�Platform,�smile�and�Britannia�are�trading�names�of�The�Co-operative�Bank�p.l.c.,�P.O.�Box�101,�1�Balloon�Street,�Manchester�M60�4EP.�Registered�in�England�and�Wales�No.�990937.�Credit�facilities�are�provided�by�The�Co-operative�Bank�p.l.c.�and�are�subject�to�status�and�our�lending�policy.�The�Bank�reserves�the�right�to�decline�any�application�for�an�account�or�credit�facility.�The�Co-operative�Bank�p.l.c.�is�a�member�of�the�Council�of�Mortgage�Lenders�and�subscribes�to�the�Lending�Code�which�is�monitored�by�the�Lending�Standards�Board.Calls�to�0800�and�0808�numbers�are�free�from�landlines�and�mobiles.�Calls�to�03�numbers�cost�the�same�as�calls�to�numbers�starting�with�01�and�02.�Calls�to�0845�and�0870�numbers�cost�3p�per�minute,�plus�your�phone�company’s�access�charge.�Calls�to�0844�and�0843�numbers�cost�7p�per�minute,�plus�your�phone�company’s�access�charge.�Calls�may�be�monitored�or�recorded�for�security�and�training�purposes.

P40

2��0

2/20

16

In�this�Deed�the�expressions�set�out�below�shall�have�the�meanings�and�effects�set�opposite�them.

Mortgage Account Number:

� Lender:� �The Co-operative Bank p.l.c. (trading as Platform),�a�company�registered�under�the�Companies�Acts�in�England�(Number�990937)�and�having�its�Registered�Office�at�P.O.�Box�101,�1�Balloon�Street,�Manchester,�England,��M60�4EP,�including�its�successors�and�assignees�(whether�absolute�or�in�security)�whomsoever

� Borrower:�� (full�names�and�addresses)

� � � � �� Where�the�Borrower�is�more�than�one�person,�the�singular�includes�the�plural�� and�all�obligations�are�undertaken�jointly�and�severally.

� Consentor:� � spouse/civil�partner�of�and�residing�with�the�Borrower

� Property:� � as�described�in�full�below

� Scottish Mortgage� � � �� Conditions:

� ��

1.� The�Borrower�undertakes�to�pay�to�the�Lender�the�Secured�Amounts�and�all�other�sums�due�or�that�may�become�due�by�the�Borrower�to�the�Lender,�including�any�further�advances�and�re-advances�that�may�be�made�by�the�Lender�to�the�Borrower,�for�which�the�Borrower�with�the�consent�of�the�Consentor�(if�any)�for�the�purposes�of�the�Matrimonial�Homes�(Family�Protection)�(Scotland)�Act�1981�or�(as�applicable)�the�Civil�Partnership�Act�2004,�hereby�grants�a�Standard�Security�in�favour�of�the�Lender�over�ALL�and�WHOLE

STANDARD SECURITY

PlatformP.O.�Box�3462,�Cheadle�Road,�Leek�ST13�9BGDX�16351�(Leek)Telephone:�0345�070�1999

The�Mortgage�Conditions�(Scottish�Edition)�2016�made�by�the�Lender�and�another�dated�19th�January�2016�and�registered�in�the�Books�of�Council�and�Session�on�25th�January�2016.�Words�defined�in�the�Scottish�Mortgage�Conditions�have�the�same�meaning�in�this�Standard�Security.�

2.� This�Standard�Security�incorporates

� (i)� the�Scottish�Mortgage�Conditions;�and

� (ii)� the�terms�and�conditions�stated�in�the�Mortgage�Offer,

� and�the�Borrower�accepts�and�agrees�to�observe�and�perform�the�obligations�and�conditions�contained�in�these�documents�and�acknowledges�receipt�of�copies�of�each�of�them.

3.� The�Standard�Conditions�specified�in�Schedule�3�to�the�Conveyancing�and�Feudal�Reform�(Scotland)�Act�1970�as�amended�and�varied�by�(a)�the�Redemption�of�Standard�Securities�(Scotland)�Act�1971�and�(b)�the�Scottish�Mortgage�Conditions�and�any�lawful�variation�thereof�operative�for�the�time�being�shall�apply�in�this�Standard�Security.�The�Consentor�(if�any)�consents�to�the�Borrower�shortening�the�period�of�any�calling�up�notice�served�in�terms�of�Section�19(10)�of�the�Conveyancing�and�Feudal�Reform�(Scotland)�Act�1970.

4.� The�borrower�grants�warrandice�and�consents�to�the�registration�of�this�Standard�Security�for�execution.

� IN�WITNESS�WHEREOF�these�presents�consisting�of�this�and�the�preceding�page�are�subscribed�by�the�Borrower�and�� Consentor�(if�any)�before�the�witness(es)�referred�to�below:

� � (first�Borrower)� Witness

at� � � (Full�name)

on� � � (Address)

� � (second�Borrower�/�Consentor)� Witness

at� � � (Full�name)

on� � � (Address)

� REGISTER�on�behalf�of�the�within�named�PLATFORM�FUNDING�LIMITED�in�the�REGISTER�of�the�COUNTY�of

Agents