EXHIBIT 10.6.2
Dated [22] September 2004
GRANITE MORTGAGES 04-3 PLC
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ISSUER MASTER DEFINITIONS SCHEDULE
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SIDLEY AUSTIN BROWN & WOOD
WOOLGATE EXCHANGE
25 BASINGHALL STREET
LONDON EC2V 5HA
TELEPHONE 020 7360 3600
FACSIMILE 020 7626 7937
CONTENTS
1. Definitions......................................................1
2. Interpretation and Construction.................................33
3. Governing Law...................................................35
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THIS ISSUER MASTER DEFINITIONS SCHEDULE is signed for the purposes of
identification on [22] September 2004
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.
"Account Bank" means, in relation to the Current Issuer, the Current Issuer
Account Bank and for any other Issuer, the Account Bank for such Issuer
appointed from time to time in accordance with the relevant Issuer Transaction
Documents;
"Additional Interest" means interest which will accrue on Deferred Interest at
the rate of interest applicable from time to time on the classes of Current
Issuer Notes, as further described in Condition 4 of the Current Issuer Notes;
"Additional Assigned Mortgage Loan" means any Mortgage Loan which is sold and
assigned by the Seller to the Mortgages Trustee on 23 August 2004 under the
terms of the Mortgage Sale Agreement and referenced by its mortgage loan
identifier number and comprising the aggregate of all principal sums,
interest, costs, charges, expenses and other monies (including all Further
Advances) due or owing with respect to that Mortgage Loan under the relevant
Mortgage Conditions by a Borrower on the security of a Mortgage from time to
time outstanding or, as the context may require, the Borrower's obligations in
respect of the same;
"Additional Assigned Mortgage Portfolio" means the portfolio of Additional
Assigned Mortgage Loans, their Related Security, Accrued Interest and other
amounts derived from such Additional Assigned Mortgage Loans that the Seller
sold and assigned to the Mortgages Trustee on 23 August 2004;
"Additional Assigned Trust Property" means the Additional Assigned Mortgage
Portfolio sold and assigned to the Mortgage Trustee by the Seller on 23 August
2004, including the Additional Assigned Mortgage Loans and their Related
Security, the rights under the MIG Policies and the other Insurance Policies
arranged by the Seller;
"Agent Bank" means, in relation to the Current Issuer, Citibank, N.A., 5
Carmelite Street, London EC4Y 0PA initially appointed pursuant to the Current
Issuer Paying Agent and Agent Bank Agreement or, if applicable, any successor
Agent Bank at its Specified Office;
"Agents" means, in relation to the Current Issuer, the Principal Paying Agent,
the US Paying Agent, the Registrar and the Transfer Agent, initially appointed
pursuant to the Current Issuer Paying Agent and Agent Bank Agreement, or, if
applicable, any successor agents;
"Alternative Clearing System" means any clearing system other than DTC,
Euroclear and Clearstream, Luxembourg;
"Appointee" has the meaning specified in the Current Issuer Trust Deed;
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"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) Funding
or (in the case of the Current Issuer) the Current Issuer and appointed by the
Mortgages Trustee, Funding or, as the case may be, the Current Issuer;
"Authorised Denominations" means, in relation to the Current Issuer Notes,
denominations of, in the case of any class of the Dollar Notes $10,000 and
integral multiples of $1,000 in excess thereof, in the case of any class of
the Sterling Notes, (GBP)50,000 and integral multiples of (GBP)1,000 in
excess thereof, in the case of any class of the Euro Notes, (euro)50,000 and
integral multiples of (euro)1,000 in excess thereof and in such other
denominations as the Note Trustee shall determine and notify to the relevant
Noteholders;
"Authorised Dollar Holding" means $10,000 (which shall be the minimum
allowable holding with respect to each Dollar Note) and integral multiples of
$1,000 in excess thereof;
"Authorised Euro Holding" means (euro)50,000 (which shall be the minimum
allowable holding with respect to each Euro Note) and integral multiples of
(euro)1,000 in excess thereof;
"Authorised Signatory" means in relation to:
(a) the Current Issuer, any authorised signatory referred to in the
Issuer Account Mandates relating to that Issuer;
(b) the Mortgages Trustee, any authorised signatory referred to in the
Mortgages Trustee Account Mandates; and
(c) Funding, any authorised signatory referred to in the Funding Account
Mandates;
"Authorised Sterling Holding" means (GBP)50,000 (which shall be the minimum
allowable holding with respect to each Sterling Note) and integral multiples
of (GBP)1,000 in excess thereof;
"Average Fixed Rate Mortgage Loan Balance" has the meaning given to it in the
Current Issuer Basis Rate Swap Agreement;
"Average Flexible Mortgage Loan Balance" has the meaning given to it in the
Current Issuer Basis Rate Swap Agreement;
"Average Mortgage Loan Balance" has the meaning given to it in the Current
Issuer Basis Rate Swap Agreement;
"Average Variable Rate Mortgage Loan Balance" has the meaning given to it in
the Current Issuer Basis Rate Swap Agreement;
"Basic Terms Modification" in relation to the Current Issuer Notes has the
meaning set out in Schedule 4 to the Current Issuer Trust Deed;
"Basis Rate Swap" means, in relation to the Current Issuer, the Current Issuer
Basis Rate Swap and for any other Issuer, the swap transaction documented
under the Basis Rate Swap Agreement for such Issuer;
"Basis Rate Swap Agreement" means, in relation to the Current Issuer, the
Current Issuer Basis Rate Swap Agreement and for any other Issuer, the ISDA
Master Agreement, Schedule, Confirmation and any Credit Support Annex or other
credit support documents thereto entered into among such Issuer, the related
Basis Rate Swap Provider, the Note Trustee and/or any credit support provider,
as may be
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amended, restated, varied or supplemented from time to time and shall include
any additional and/or replacement basis rate swap agreement entered into by
such Issuer from time to time in connection with the Notes issued by such
Issuer;
"Basis Rate Swap Provider" means in relation to the Current Issuer, the
Current Issuer Basis Rate Swap Provider and for any other Issuer the basis
rate swap provider for such Issuer appointed from time to time in accordance
with the relevant Issuer Transaction Documents;
"Basis Rate Swap Provider Default" means, in relation to the Current Issuer,
the occurrence of an Event of Default (as defined in the Current Issuer Basis
Rate Swap Agreement) or a Downgrade Termination Event under the Current Issuer
Basis Rate Swap Agreement where the Current Issuer Basis Rate Swap Provider is
the Defaulting Party or the Affected Party (as defined in the Current Issuer
Basis Rate Swap Agreement);
"Block Voting Instruction" has the meaning set out in Schedule 4 to the
Current Issuer Trust Deed;
"Blocked Note" has the meaning specified in Schedule 4 to the Current Issuer
Trust Deed;
"Business Day" means, in relation to the Current Issuer Notes and the Current
Issuer Intercompany Loan, a day that is a London Business Day, a New York
Business Day and a TARGET Business Day;
"Calculation Agent" in relation to any Current Issuer Swap Agreement has the
meaning given to it under such Current Issuer Swap Agreement;
"certification date" has the meaning specified in the Current Issuer Trust
Deed;
"Chairman" has the meaning set out in Schedule 4 to the Current Issuer Trust
Deed;
"Class A Enforcement Notice" means a notice issued by the Note Trustee to the
Current Issuer and the Security Trustee on the occurrence of a Current Issuer
Note Event of Default, declaring the Class A Notes to be due and repayable
pursuant to Condition 9(A) of the Current Issuer Notes;
"Class A Noteholders" means the Series 1 Class A Noteholders, the Series 2
Class A Noteholders and the Series 3 Class A Noteholders;
"Class A Notes" means, in relation to the Current Issuer, the Series 1 Class
A1 Notes, the Series 1 Class A2 Notes, the Series 1 Class A3 Notes, the Series
2 Class A1 Notes, the Series 2 Class A2 Notes, the Series 3 Class A1 Notes and
the Series 3 Class A2 Notes or any of them as the context may require and, in
relation to any other Issuer, the Notes issued by such Issuer which are
defined as such under the relevant Issuer Master Definitions Schedule;
"Class A Principal Deficiency Sub Ledger" means the sub-ledger of the Current
Issuer Principal Deficiency Ledger corresponding to the Class A Notes;
"Class B Enforcement Notice" means a notice issued by the Note Trustee to the
Current Issuer and the Security Trustee on the occurrence of a Current Issuer
Note Event of Default, declaring the Class B Notes to be due and repayable
pursuant to Condition 9(B) of the Current Issuer Notes;
"Class B Noteholders" means the Series 1 Class B Noteholders, the Series 2
Class B Noteholders and the Series 3 Class B Noteholders;
"Class B Notes" means, in relation to the Current Issuer, the Series 1 Class B
Notes, the Series 2 Class B Notes and the Series 3 Class B Notes or any of
them as the context may require; and, in relation to any other Issuer, the
Notes issued by such Issuer which are defined as such under the relevant
Issuer Master Definitions Schedule;
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"Class B Principal Deficiency Sub Ledger" means the sub-ledger of the Current
Issuer Principal Deficiency Ledger corresponding to the Class B Notes;
"Class C Enforcement Notice" means, a notice issued by the Note Trustee to the
Current Issuer and the Security Trustee on the occurrence of a Current Issuer
Note Event of Default, declaring the Class C Notes to be due and repayable
pursuant to Condition 9(D) of the Current Issuer Notes;
"Class C Noteholders" means the Series 1 Class C Noteholders, the Series 2
Class C Noteholders and the Series 3 Class C Noteholders;
"Class C Notes" means, in relation to the Current Issuer, the Series 1 Class C
Notes, the Series 2 Class C Notes and the Series 3 Class C Notes or any of
them as the context may require; and, in relation to any other Issuer, the
Notes issued by such Issuer which are defined as such under the relevant
Issuer Master Definitions Schedule;
"Class C Principal Deficiency Sub Ledger" means the sub-ledger of the Current
Issuer Principal Deficiency Ledger corresponding to the Class C Notes;
"Class M Enforcement Notice" means, a notice issued by the Note Trustee to the
Current Issuer and the Security Trustee on the occurrence of a Current Issuer
Note Event of Default, declaring the Class M Notes to be due and repayable
pursuant to Condition 9(C) of the Current Issuer Notes;
"Class M Noteholders" means the Series 1 Class M Noteholders, the Series 2
Class M Noteholders and the Series 3 Class M Noteholders;
"Class M Notes" means, in relation to the Current Issuer, the Series 1 Class M
Notes, the Series 2 Class M Notes and the Series 3 Class M Notes or any of
them as the context may require; and, in relation to any other Issuer, the
Notes issued by such Issuer which are defined as such under the relevant
Issuer Master Definitions Schedule;
"Class M Principal Deficiency Sub Ledger" means the sub-ledger of the Current
Issuer Principal Deficiency Ledger corresponding to the Class M Notes;
"Clearing System" means any of DTC (with respect to the Dollar Notes) and
Euroclear and Clearstream, Luxembourg (with respect to the Euro Notes and the
Sterling Notes), and any other or additional organisation of a similar nature
as may be approved in writing by the Note Trustee;
"Closing Date" means [22] September 2004;
"Common Depositary" means Citibank, N.A. in its capacity as common depositary
for Euroclear or Clearstream, Luxembourg in respect of the Sterling Global
Note Certificates and the Euro Global Note Certificates;
"Conditions" or "Terms and Conditions" means, in relation to any Current
Issuer Notes, the terms and conditions to be endorsed on such Current Issuer
Notes in the form or substantially in the form scheduled to the Current Issuer
Trust Deed, as any of the same may from time to time be amended, varied or
restated in accordance with the provisions of the Current Issuer Trust Deed,
and any reference to a numbered Condition shall be construed accordingly;
"Contractual Currency" has the meaning specified in Clause 13 of the Current
Issuer Trust Deed;
"Current Issuer" means Granite Mortgages 04-3 plc, a company incorporated with
limited liability under the laws of England and Wales, registered number
5168395;
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"Current Issuer Account Bank" means the bank at which the Current Issuer Bank
Accounts are maintained from time to time, being Citibank, N.A., 5 Carmelite
Street, London EC4Y 0PA, or any other Authorised Entity appointed by the
Current Issuer in accordance with the Current Issuer Transaction Documents;
"Current Issuer Available Principal Receipts" means:
(1) prior to enforcement of the Current Issuer Security, in respect of
any Payment Date, the sum calculated by the Current Issuer Cash
Manager on the Distribution Date immediately preceding such Payment
Date equal to:
(a) all principal amounts repaid by Funding to the Current
Issuer under the Current Issuer Intercompany Loan during the
period from (but excluding) the immediately preceding
Payment Date to (and including) such Payment Date; and
(b) all Current Issuer Available Revenue Receipts which are to
be used on that Payment Date to credit the Current Issuer
Principal Deficiency Sub Ledger for any Class of Notes
issued by the Current Issuer;
less
(c) the aggregate of all principal amounts (if any) repaid by
Funding to the Current Issuer under the Current Issuer
Intercompany Loan on the relevant Payment Date which are to
be applied on the relevant Payment Date to pay items (A)
through (E), (G), (I) or (K) of the Current Issuer
Pre-Enforcement Revenue Priority of Payments; and
(2) following enforcement of the Current Issuer Security, in respect of
any Payment Date, the sum calculated by or on behalf of the Note
Trustee on the Distribution Date immediately preceding such Payment
Date as the amount to be repaid by Funding to the Current Issuer
under the Current Issuer Intercompany Loan during the relevant
Interest Period and/or the sum otherwise recovered by the Note
Trustee (or the Receiver appointed on its behalf) representing the
Principal Amount Outstanding of the Notes;
"Current Issuer Available Revenue Receipts" means, in respect of any Payment
Date, the sum calculated by the Current Issuer Cash Manager on the
Distribution Date immediately preceding such Payment Date equal to:
(1) interest, fees and any other amount (not including principal), if
any, paid by Funding on the relevant Payment Date under the terms of
the Current Issuer Intercompany Loan Agreement;
(2) other net income of the Current Issuer (not otherwise included in (1)
above or (3) below) including amounts received by the Current Issuer
under or in accordance with the Basis Rate Swap Agreement (excluding
Swap Collateral Excluded Amounts) and any early termination amounts
(other than such early termination amounts applied or to be applied
by the Current Issuer in the purchase of one or more replacement
hedge transactions) received by the Current Issuer under the Current
Issuer Swap Agreements;
(3) interest payable on the Current Issuer Bank Accounts and any income
from Authorised Investments made with funds standing to the credit of
the Current Issuer Bank Accounts, in each case which has been or will
be received on or before the relevant Payment Date; and
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(4) (only to the extent required after making the relevant calculations
set out in the Current Issuer Cash Management Agreement), the
aggregate of all principal amounts (if any) repaid by Funding to the
Current Issuer under the Current Issuer Intercompany Loan amount of
Current Issuer Principal Receipts (if any) on the relevant Payment
Date which are to be applied to pay items (A) through (E), (G), (I)
and/or (K) of the Current Issuer Pre-Enforcement Revenue Priority of
Payments;
"Current Issuer Bank Account Agreement" means the bank account agreement dated
on or about the Closing Date between the Current Issuer, the Seller, the
Current Issuer Cash Manager, the Current Issuer Account Bank and the Note
Trustee;
"Current Issuer Bank Accounts" means the Current Issuer Transaction Accounts
and also includes any additional or replacement bank account opened in the
name of the Current Issuer from time to time with the prior written consent of
the Note Trustee and the Rating Agencies;
"Current Issuer Basis Rate Swap" means the swap transaction documented under
the Current Issuer Basis Rate Swap Agreement;
"Current Issuer Basis Rate Swap Agreement" means the ISDA Master Agreement,
Schedule and Confirmation thereto each entered into on or about the Closing
Date and any Credit Support Annex or other credit support documents entered
into at any time among the Current Issuer, the Current Issuer Basis Rate Swap
Provider, the Note Trustee and/or any credit support provider, as may be
amended, restated, varied or supplemented from time to time and shall include
any additional and/or replacement basis rate swap agreement entered into by
the Current Issuer from time to time in accordance with the Transaction
Documents;
"Current Issuer Basis Rate Swap Provider" means Northern Rock and/or, as
applicable, any other basis rate swap provider appointed from time to time by
the Current Issuer in accordance with the Current Issuer Transaction
Documents;
"Current Issuer Cash Management Agreement" means the cash management agreement
entered into on or about the Closing Date between the Current Issuer Cash
Manager, the Current Issuer and the Note Trustee, as may be amended, restated,
varied or supplemented from time to time and shall include any additional
and/or replacement cash management agreement entered into by the Current
Issuer from time to time in connection with the Current Issuer Notes;
"Current Issuer Cash Management Services" means the services to be provided to
the Current Issuer and the Note Trustee by the Current Issuer Cash Manager
pursuant to the Current Issuer Cash Management Agreement;
"Current Issuer Cash Manager" means Northern Rock acting pursuant to the
Current Issuer Cash Management Agreement as agent for the Current Issuer and
the Note Trustee in managing all cash transactions and maintaining certain
ledgers on behalf of the Current Issuer;
"Current Issuer Cash Manager Termination Event" means any of the events
specified in paragraphs (a) through (c) of Clause 12.1 of the Current Issuer
Cash Management Agreement;
"Current Issuer Charged Property" means the property, assets and undertakings
of the Current Issuer which from time to time are or are expressed to be
mortgaged, charged, assigned, pledged or otherwise encumbered to, or in favour
of, the Note Trustee for itself and for the Current Issuer Secured Creditors
under the Current Issuer Deed of Charge or any other Current Issuer
Transaction Document;
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"Current Issuer Conditions" or "Current Issuer Terms and Conditions" means the
terms and conditions to be endorsed on the Current Issuer Notes, substantially
in the form set out in Schedule 3 to the Current Issuer Trust Deed, as any of
the same may be amended, varied or restated in accordance with the provisions
of the Current Issuer Trust Deed, and any reference to a numbered Condition
shall be construed accordingly;
"Current Issuer Corporate Services Agreement" means the corporate services
agreement entered into on or before the Closing Date between, inter alia, the
Current Issuer Corporate Services Provider, Holdings, the Current Issuer Post
Enforcement Call Option Holder, the Current Issuer and Northern Rock for the
provision by the Current Issuer Corporate Services Provider of certain
corporate services with respect to Holdings, the Current Issuer Post
Enforcement Call Option Holder and the Current Issuer as may be amended,
restated, varied or supplemented from time to time and shall include any
additional and/or replacement corporate services agreement entered into by
such parties from time to time in accordance with the Current Issuer
Transaction Documents;
"Current Issuer Corporate Services Provider" means in relation to any of the
Current Issuer, Holdings or the Current Issuer Post Enforcement Call Option
Holder, Law Debenture Corporate Services Limited or such other person or
persons for the time being acting as corporate services provider under the
Current Issuer Corporate Services Agreement;
"Current Issuer Currency Swap Agreements" means the Current Issuer Dollar
Currency Swap Agreements and the Current Issuer Euro Currency Swap Agreements;
"Current Issuer Currency Swap Providers" means the Current Issuer Dollar
Currency Swap Provider and the Current Issuer Euro Currency Swap Provider;
"Current Issuer Currency Swaps" means the Current Issuer Dollar Currency Swaps
and the Current Issuer Euro Currency Swaps;
"Current Issuer Deed of Accession" means the deed of accession entered into on
or about the Closing Date between Funding, the Security Trustee, the Current
Issuer, the Current Issuer Start-Up Loan Provider and others whereby, among
other things, the Current Issuer and the Current Issuer Start-Up Loan Provider
accede to the provisions of the Funding Deed of Charge;
"Current Issuer Deed of Charge" means the deed of charge entered into on or
about the Closing Date between the Current Issuer, the Note Trustee, the
Current Issuer Swap Providers, the Current Issuer Corporate Services Provider,
the Current Issuer Account Bank, the Current Issuer Cash Manager, the
Principal Paying Agent and the other Agents appointed pursuant to the Current
Issuer Paying Agent and Agent Bank Agreement as may be amended, restated,
varied or supplemented from time in accordance with the Current Issuer
Transaction Documents;
"Current Issuer Dollar Account" means the account of the Current Issuer
(account number [o]) held with the Current Issuer Account Bank, denominated in
U.S. Dollars and maintained subject to the terms of the Current Issuer Bank
Account Agreement and the Current Issuer Deed of Charge, or any additional or
replacement account denominated in U.S. Dollars as may for the time being be
in place with the prior consent of the Note Trustee;
"Current Issuer Dollar Currency Swap Agreements" means the ISDA Master
Agreements, Schedules and Confirmations thereto entered into on or about the
Closing Date and any Credit Support Annexes or other credit support documents
entered into at any time among the Current Issuer, the Current Issuer Dollar
Currency Swap Providers, the Note Trustee and/or any credit support provider,
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as may be amended, restated varied or supplemented from time to time and shall
include any additional and/or replacement currency swap agreement or
agreements entered into by the Current Issuer from time to time in connection
with the Current Issuer Notes;
"Current Issuer Dollar Currency Swap Provider" means [o] as swap counterparty
to the Current Issuer under the Current Issuer Dollar Currency Swap Agreement;
"Current Issuer Dollar Currency Swap Rates" means, in relation to the Current
Issuer Notes, the rates at which Dollars are converted to Sterling or, as the
case may be, Sterling is converted to Dollars pursuant to the applicable
Current Issuer Dollar Currency Swap or, if there are no relevant Current
Issuer Dollar Currency Swap Agreements in effect at such time, in relation to
such class of Notes, the "spot" rate at which Dollars are converted to
Sterling or, as the case may be, Sterling is converted to Dollars, on the
foreign exchange markets;
"Current Issuer Dollar Currency Swap" means, in relation to the Current
Issuer, the Sterling-Dollar currency swap transaction which enables the
Current Issuer to receive and pay amounts under the Current Issuer
Intercompany Loan in Sterling and to receive and pay amounts under the Dollar
Notes in Dollars;
"Current Issuer Euro Account" means the account of the Current Issuer (account
number [o]) held with the Current Issuer Account Bank, denominated in Euro and
maintained subject to the terms of the Current Issuer Bank Account Agreement
and the Current Issuer Deed of Charge, or any additional or replacement
account denominated in Euro as may for the time being be in place with the
prior consent of the Note Trustee;
"Current Issuer Euro Currency Swap Agreements" means the ISDA Master
Agreements, Schedules and Confirmations thereto entered into on or about the
Closing Date and any Credit Support Annexes or other credit support documents
entered into at any time among the Current Issuer, the Current Issuer Euro
Currency Swap Provider, the Note Trustee and/or any credit support provider,
as may be amended, restated, varied or supplemented from time to time and
shall include any additional and/or replacement currency swap agreement or
agreements entered into by the Current Issuer from time to time in connection
with the Current Issuer Notes;
"Current Issuer Euro Currency Swap Provider" means [o] as swap counterparty to
the Current Issuer under the Current Issuer Euro Currency Swap Agreements;
"Current Issuer Euro Currency Swap Rates" means, in relation to the Current
Issuer Notes, the rates at which Euro is converted to Sterling or, as the case
may be, Sterling is converted to Euro pursuant to the applicable Current
Issuer Euro Currency Swap or, if there are no relevant Current Issuer Euro
Currency Swap Agreements in effect at such time, in relation to such class of
Notes, the "spot" rate at which Euro is converted to Sterling or, as the case
may be, Sterling is converted to Euro, on the foreign exchange markets;
"Current Issuer Euro Currency Swaps" means, in relation to the Current Issuer,
the Sterling-Euro currency swap transactions which enable the Current Issuer
to receive and pay amounts under the Current Issuer Intercompany Loan in
Sterling and to receive and pay amounts under the Euro Notes in Euro;
"Current Issuer Event of Default" means a Current Issuer Note Event of
Default;
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"Current Issuer Income Deficit" means the amount of the shortfall between
Current Issuer Available Revenue Receipts and the amounts required to pay
items (A) through (E) (inclusive), (G), (I) and (K) of the Current Issuer
Pre-Enforcement Revenue Priority of Payments;
"Current Issuer Intercompany Loan" means the loan made by the Current Issuer
to Funding on or about the Closing Date pursuant to the Current Issuer
Intercompany Loan Agreement;
"Current Issuer Intercompany Loan Agreement" means together the Current Issuer
Intercompany Loan Confirmation and the Intercompany Loan Terms and Conditions;
"Current Issuer Intercompany Loan Confirmation" means the loan confirmation in
respect of the Current Issuer Intercompany Loan Agreement entered into on or
about the Closing Date and made between Funding, the Current Issuer, the
Security Trustee and the Current Issuer Agent Bank;
"Current Issuer Intercompany Loan Event of Default" means the occurrence of an
Intercompany Loan Event of Default as specified in the Current Issuer
Intercompany Loan Agreement;
"Current Issuer Interest Rate Swap" means the swap transaction documented
under the Current Issuer Interest Rate Swap Agreement;
"Current Issuer Interest Rate Swap Agreement" means the ISDA Master Agreement,
Schedule and Confirmation thereto relating to the Interest Rate Swap entered
into on the Closing Date and any Credit Support Annex or other credit support
documents entered into at any time among the Current Issuer, the Current
Issuer Interest Rate Swap Provider and the Note Trustee and/or any Credit
Support Provider, as may be amended, restated, varied or supplemented from
time to time and shall include any additional and/or replacement interest rate
swap agreement or agreement entered into by the Current Issuer from time to
time in connection with the Series 3 Class A2 Notes;
"Current Issuer Interest Rate Swap Provider" means [o] as swap counterparty to
the Current Issuer under the Current Issuer Interest Rate Swap Agreement;
"Current Issuer Jersey Enforcement Notice" has the meaning given to it in
Clause 7.2 of the Current Issuer Deed of Charge;
"Current Issuer Jersey Secured Property" means, at any time, the Current
Issuer Charged Property which is situated in Jersey at such time;
"Current Issuer Ledgers" means the Current Issuer Revenue Ledger, the Current
Issuer Principal Ledger, the Current Issuer Reserve Fund Ledger, the Current
Issuer Liquidity Reserve Ledger, the Current Issuer Principal Deficiency
Ledger and the Swap Collateral Ledger and any other ledger required to be
maintained pursuant to the Current Issuer Cash Management Agreement;
"Current Issuer Liquidity Reserve Fund" means the liquidity reserve fund in
Funding's name which Funding will be required to establish pursuant to the
Current Issuer Intercompany Loan Agreement if the long term, unsecured,
unsubordinated and unguaranteed debt obligations of the Seller cease to be
rated at least A3 by Moody's or A- by Fitch (unless Moody's or Fitch, as
applicable, confirms that the then-current ratings of the Notes will not be
adversely affected). The Current Issuer Liquidity Reserve Fund, if any, will
be funded to the relevant Current Issuer Liquidity Reserve Required Amount;
"Current Issuer Liquidity Reserve Ledger" means a ledger maintained by the
Current Issuer Cash Manager in the name of Funding to record the amount
credited to the Current Issuer Liquidity Reserve
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Fund held by Funding in respect of the Current Issuer on the Closing Date, and
subsequent withdrawals and deposits in respect of the Current Issuer Liquidity
Reserve Fund;
"Current Issuer Liquidity Reserve Required Amount" means (a) so long as the
Current Issuer Intercompany Loan remains outstanding, an amount as of any
Payment Date equal to the excess, if any, of 3% of the aggregate outstanding
balance of the Notes on that Payment Date over amounts standing to the credit
of the Current Issuer Reserve Fund on that Payment Date, and (b) following the
repayment in full of the Current Issuer Intercompany Loan and provided that
Funding has no further liability under the Current Issuer Intercompany Loan
Agreement, zero;
"Current Issuer Master Definitions Schedule" means this master definitions
schedule relating to the Current Issuer and the Current Issuer Transaction
Documents signed for the purposes of identification by Sidley Austin Brown &
Wood and Allen & Overy on or about the Closing Date, as the same may be
amended, restated and supplemented from time to time;
"Current Issuer New Funding Secured Creditors" means the Current Issuer
Start-Up Loan Provider and the Current Issuer;
"Current Issuer Note Determination Date" means the Distribution Date
immediately preceding each Payment Date;
"Current Issuer Note Enforcement Notice" means a notice issued by the Note
Trustee to the Current Issuer and the Security Trustee declaring any of the
Current Issuer Notes to be due and repayable pursuant to Condition 9 of the
Current Issuer Notes;
"Current Issuer Note Event of Default" means the occurrence of an event of
default by the Current Issuer as specified in Condition 9 of the Current
Issuer Notes;
"Current Issuer Notes" means the US Notes and Reg S Notes issued by the
Current Issuer or any of them as the context may require;
"Current Issuer Paying Agent and Agent Bank Agreement" means the paying agent
and agent bank agreement to be entered into on or about the Closing Date
between, inter alios, the Current Issuer, the Note Trustee, the Principal
Paying Agent, the US Paying Agent and the other Agents and any other agreement
for the time being in force appointing successor agents and shall include any
additional and/or replacement paying agent and agent bank agreement entered
into by the Current Issuer from time to time in accordance with the
Transaction Documents;
"Current Issuer Post-Enforcement Call Option Agreement" means the
post-enforcement call option agreement to be entered into on or about the
Closing Date between the Current Issuer, the Current Issuer Post-Enforcement
Call Option Holder and the Note Trustee;
"Current Issuer Post-Enforcement Call Option Holder" means GPCH Limited, a
company incorporated with limited liability under the laws of England and
Wales, registered number 4128437, or such other person or persons for the time
being acting as post-enforcement call option holder under the Current Issuer
Post-Enforcement Call Option Agreement;
"Current Issuer Post-Enforcement Priority of Payments" means the order of
priority of payments in which Current Issuer Available Revenue Receipts,
Current Issuer Available Principal Receipts and all other monies and proceeds
received or recovered by or on behalf of the Current Issuer or the Note
Trustee or any Receiver will be applied following enforcement of the Current
Issuer Security and as
10
set out in Schedule 2 to the Current Issuer Deed of Charge (as the same may be
amended or varied from time to time in accordance with the Current Issuer
Transaction Documents);
"Current Issuer Post-Liquidity Payments" means the payments set out in items
(H) through (M) under the Current Issuer Pre-Enforcement Revenue Priority of
Payments (or the relevant payments in the equivalent items under such other
Current Issuer Priority of Payments as may apply on that Payment Date);
"Current Issuer Post-Reserve Payments" means the payments set out in item (N)
under the Current Issuer Pre-Enforcement Revenue Priority of Payments (or the
relevant payments in the equivalent items under such other Current Issuer
Priority of Payments as may apply on that Payment Date);
"Current Issuer Post-Start-up Payments" means the payments set out in items
(O) and (P) under the Current Issuer Pre-Enforcement Revenue Priority of
Payments (or the relevant payments in the equivalent items under such other
Current Issuer Priority of Payments as may apply on that Payment Date);
"Current Issuer Potential Note Event of Default" means any condition, event or
act which with the lapse of time and/or the giving of any notice and/or
determination of materiality and/or fulfilment of any similar condition would
constitute a Current Issuer Note Event of Default;
"Current Issuer Pre-Enforcement Principal Priority of Payments" means the
order of priority of payments in which the Current Issuer Available Principal
Receipts will be applied until enforcement of the Current Issuer Security as
set out in Schedule 2 to the Current Issuer Cash Management Agreement (as the
same may be amended or varied from time to time in accordance with the Current
Issuer Transaction Documents);
"Current Issuer Pre-Enforcement Priority of Payments" means, as applicable,
any of the Current Issuer Pre-Enforcement Revenue Priority of Payments or the
Current Issuer Pre-Enforcement Principal Priority of Payments;
"Current Issuer Pre-Enforcement Revenue Priority of Payments" means the order
of priority of payments in which the Current Issuer Available Revenue Receipts
will be applied until enforcement of the Current Issuer Security as set out in
Schedule 2 to the Current Issuer Cash Management Agreement (as the same may be
amended or varied from time to time in accordance with the Current Issuer
Transaction Documents);
"Current Issuer Pre-Liquidity Payments" means the payments set out in items
(A) through (G) under the Current Issuer Pre-Enforcement Revenue Priority of
Payments (or the relevant payments in the equivalent items under such other
Current Issuer Priority of Payments as may apply on that Payment Date);
"Current Issuer Pre-Reserve Payments". Not applicable to this transaction;
"Current Issuer Principal Deficiency Ledger" means the ledger maintained by
the Current Issuer Cash Manager in the name of the Current Issuer which will
be established on the Closing Date and will be sub-divided into sub ledgers
corresponding to the Class A Notes, the Class B Notes, the Class M Notes and
the Class C Notes in order to record Losses on Mortgage Loans allocated to the
Current Issuer Intercompany Loan which are to be applied to such Current
Issuer Notes, the application of Current Issuer Available Principal Receipts
in paying interest on such Current Issuer Notes and certain amounts ranking in
priority thereto in accordance with the Current Issuer Pre-Enforcement Revenue
11
Priority of Payments and the application by Funding of Issuer Allocable
Principal Receipts of the Current Issuer to fund or replenish the Current
Issuer Liquidity Reserve Fund (if any);
"Current Issuer Principal Deficiency Sub Ledger" means any of the Class A
Principal Deficiency Sub Ledger, the Class B Principal Deficiency Sub Ledger,
the Class M Principal Deficiency Sub Ledger, or the Class C Principal
Deficiency Sub Ledger;
"Current Issuer Principal Ledger" means the ledger maintained by the Current
Issuer Cash Manager pursuant to the Current Issuer Cash Management Agreement
to record the Current Issuer Principal Receipts standing to the credit of each
of the Current Issuer Transaction Accounts from time to time;
"Current Issuer Principal Payments" means the payments set forth in items (A)
through (F) under the Current Issuer Pre-Enforcement Principal Priority of
Payments (or the relevant payments set forth in the equivalent items in such
other Current Issuer Priority of Payments as may apply on that Payment Date);
"Current Issuer Principal Receipts" means on any Payment Date principal
amounts repaid by Funding in respect of the Current Issuer Intercompany Loan
on such Payment Date;
"Current Issuer Priority of Payments" means, as applicable, any of the Current
Issuer Pre-Enforcement Revenue Priority of Payments, the Current Issuer
Pre-Enforcement Principal Priority of Payments or the Current Issuer
Post-Enforcement Priority of Payments;
"Current Issuer Reserve Additional Amount" means an amount equal to the sum of
the Current Issuer Reserve Required Amount and (a) if an Arrears or Step-Up
Trigger Event has occurred under item (i) only of the Arrears or Step-Up
Trigger Event definition, [(GBP)6,000,000], (b) if an Arrears or Step-Up
Trigger Event has occurred under item (ii) only of the Arrears or Step-Up
Trigger event definition [(GBP)8,900,000], or (c) if an Arrears or Step-Up
Trigger Event has occurred under both items (i) and (ii) of the Arrears or
Step-Up Trigger Event definition, [(GBP)14,900,000];
"Current Issuer Reserve Fund" means the reserve fund established in the name
of Funding in respect of the Current Issuer as required under the terms of the
Current Issuer Intercompany Loan on the Closing Date in an amount up to the
Current Issuer Reserve Required Amount;
"Current Issuer Reserve Fund Ledger" means a ledger maintained by the Current
Issuer Cash Manager in the name of Funding to record the amount credited to
the Current Issuer Reserve Fund held by Funding in respect of the Current
Issuer on the Closing Date, and subsequent withdrawals and deposits in respect
of the Current Issuer Reserve Fund;
"Current Issuer Reserve Required Amount" means (a) so long as the Current
Issuer Intercompany Loan remains outstanding, $[48,000,000], and (b) following
the repayment in full of the Current Issuer Intercompany Loan and provided
that Funding has no further liability under the Current Issuer Intercompany
Loan Agreement, zero;
"Current Issuer Revenue Ledger" means the ledger maintained by the Current
Issuer Cash Manager pursuant to the Current Issuer Cash Management Agreement
to record the Current Issuer Revenue Receipts standing to the credit of the
Current Issuer Transaction Accounts from time to time;
"Current Issuer Revenue Receipts" [means for the Current Issuer in respect of
any Payment Date an amount equal to the sum of:
(1) interest, fees and any other amount (not including principal), if
any, paid by Funding on such Payment Date under the terms of the
Current Issuer Intercompany Loan Agreement;
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(2) other net income of the Current Issuer (not otherwise included in (1)
above or (3) below) including amounts received by the Current Issuer
under or in accordance with the Basis Rate Swap Agreement (excluding
Swap Collateral Excluded Amounts) and any early termination amounts
(other than such early termination amounts applied or to be applied
by the Current Issuer in the purchase of one or more replacement
hedge transactions) received by the Current Issuer under the Current
Issuer Swap Agreements;
(3) interest received on the Current Issuer Bank Accounts and any income
from Authorised Investments made with funds standing to the credit of
the Current Issuer Bank Accounts, in each case which has been or will
be received on or before such Payment Date,
(in each case for the avoidance of doubt not including amounts received in
respect of principal);]
"Current Issuer Secured Creditors" means the Note Trustee (and any Receiver
appointed pursuant to the Current Issuer Deed of Charge), the Current Issuer
Swap Providers, the Current Issuer Corporate Services Provider, the Current
Issuer Account Bank, the Current Issuer Cash Manager, the Paying Agents, the
Agent Bank, the Registrar, the Transfer Agent and the Noteholders;
"Current Issuer Secured Obligations" means any and all of the monies,
obligations and liabilities which the Current Issuer covenants to pay or
discharge under or pursuant to Clause 2 of the Current Issuer Deed of Charge
and all other amounts owed by it to the Current Issuer Secured Creditors under
and pursuant to the Current Issuer Transaction Documents;
"Current Issuer Security" means the security granted by the Current Issuer
under or pursuant to the Current Issuer Deed of Charge in favour of the Note
Trustee for the benefit of the Current Issuer Secured Creditors;
"Current Issuer Start-up Loan" means the start-up loan that the Current Issuer
Start-up Loan Provider shall make available to Funding pursuant to the Current
Issuer Start-up Loan Agreement;
"Current Issuer Start-up Loan Agreement" means the agreement entered into on
or about the Closing Date between Funding, the Current Issuer Start-up Loan
Provider and the Security Trustee relating to the provision of the Current
Issuer Start-up Loan to Funding as may be amended, restated, varied or
supplemented from time to time and shall include any additional and/or
replacement start-up loan agreement entered into by such parties in accordance
with the Current Issuer Transaction Documents;
"Current Issuer Start-up Loan Provider" means Northern Rock, in its capacity
as provider of the Current Issuer Start-up Loan and/or such other person or
persons for the time being the lender under the Current Issuer Start-up Loan
Agreement;
"Current Issuer Sterling Account" means the account of the Current Issuer
(sort code 18-50-08, account number [o]) held with the Current Issuer Account
Bank, denominated in Sterling and maintained subject to the terms of the
Current Issuer Bank Account Agreement and the Current Issuer Deed of Charge,
or any additional or replacement account denominated in Sterling as may for
the time being be in place with the prior consent of the Note Trustee;
"Current Issuer Subscription Agreement" means with respect to the Current
Issuer Notes, the subscription agreement relating to the sale of the Reg S
Notes, dated on or about [o] September, 2004 between the Current Issuer,
Funding, the Mortgages Trustee and the Managers;
13
"Current Issuer Swap Agreements" means the Current Issuer Basis Rate Swap
Agreement, the Current Issuer Interest Rate Swap Agreement, the Current Issuer
Dollar Currency Swap Agreements and the Current Issuer Euro Currency Swap
Agreements and "Current Issuer Swap Agreement" means any one of them;
"Current Issuer Swap Providers" means the Current Issuer Basis Rate Swap
Provider, the Current Issuer Interest Rate Swap Provider, the Current Issuer
Dollar Currency Swap Providers and the Current Issuer Euro Currency Swap
Provider and "Current Issuer Swap Provider" means any one of them;
"Current Issuer Transaction Accounts" means the day to day bank accounts of
the Current Issuer, held with the Current Issuer Account Bank and comprising
the Current Issuer Euro Account, the Current Issuer Sterling Account and the
Current Issuer Dollar Account as at the Closing Date, or any other account of
the Current Issuer that may be opened, with the prior approval of the Note
Trustee, after the Closing Date, and maintained subject to the terms of the
Current Issuer Bank Account Agreement and the Current Issuer Deed of Charge;
"Current Issuer Transaction Document" means any of the following documents:
(a) the Current Issuer Subscription Agreement;
(b) the Current Issuer Underwriting Agreement;
(c) the Current Issuer Intercompany Loan Agreement;
(d) the Current Issuer Deed of Charge;
(e) the Current Issuer Deed of Accession;
(f) the Current Issuer Basis Rate Swap Agreement;
(g) the Current Issuer Interest Rate Swap Agreement;
(h) the Current Issuer Dollar Currency Swap Agreements;
(i) the Current Issuer Euro Currency Swap Agreements;
(j) the Current Issuer Trust Deed;
(k) the Current Issuer Paying Agent and Agent Bank Agreement;
(l) the Current Issuer Cash Management Agreement;
(m) the Current Issuer Post-Enforcement Call Option Agreement;
(n) the Current Issuer Bank Account Agreement;
(o) the Current Issuer Notes;
(p) the Current Issuer Corporate Services Agreement;
(q) the Current Issuer Start-up Loan Agreement;
(r) any Swap Collateral Ancillary Document;
(s) Funding (04-3) Bank Account Agreement;
(t) Funding (04-3) Guaranteed Investment Contract; and
14
(u) each other document entered into or to be entered into by the Current
Issuer pursuant to or in connection with any of the above documents
(including any agreement entered into by the Current Issuer as a
replacement of any of the above agreements upon the termination
thereof);
"Current Issuer Trust Deed" means the trust deed entered into on or about the
Closing Date between the Current Issuer and the Note Trustee constituting the
Current Issuer Notes;
"Current Issuer Underwriting Agreement" means in relation to the Current
Issuer Notes, the underwriting agreement relating to the sale of the US Notes,
dated on or about [22] September, 2004, among the Current Issuer, Funding, the
Mortgages Trustee and the Underwriters;
"Cut-Off Date" means 31 July, 2004;
"Deferred Interest" in relation to the Current Issuer Notes has the meaning
given to it under Condition 4 of the Current Issuer Notes;
"Designated Subsidiary" means a designated subsidiary of the Current Issuer
Post-Enforcement Call Option Holder, to be designated by notice from the
Current Issuer Post-Enforcement Call Option Holder to the Note Trustee at the
discretion of the Current Issuer Post-Enforcement Call Option Holder;
"Determination Date" means the first Business Day of any calendar month which
includes a Payment Date;
"Determination Period" means the period from (and including) the Closing Date
to (but excluding) the first Determination Date and thereafter from (and
including) one Determination Date to (but excluding) the next Determination
Date;
"Distribution Compliance Period" means, in relation to the Current Issuer
Notes, 40 days after the later of the commencement of the offering of the
Current Issuer Notes and the Closing Date;
"Dollar Currency Swap Agreements" means, in relation to the Current Issuer,
the Current Issuer Dollar Currency Swap Agreement and for any other Issuer,
the ISDA Master Agreements, Schedules, Confirmations and any Credit Support
Annexes or other credit support documents thereto entered into among such
Issuer, the related Dollar Currency Swap Provider, the Note Trustee and/or any
credit support provider, as may be amended, restated, varied or supplemented
from time to time and shall include any additional and/or replacement dollar
currency swap agreements entered into by such Issuer from time to time in
connection with the Notes issued by such Issuer;
"Dollar Currency Swap Provider" means, in relation to the Current Issuer, the
Current Issuer Dollar Currency Swap Provider and for any other Issuer, the
Dollar Currency Swap Provider for such Issuer appointed from time to time in
accordance with the relevant Issuer Transaction Documents;
"Dollar Currency Swap Provider Default" means, in relation to the Current
Issuer, the occurrence of an Event of Default (as defined in the Current
Issuer Dollar Currency Swap Agreements) or a Downgrade Termination Event under
the Current Issuer Dollar Currency Swap Agreements where a Current Issuer
Dollar Currency Swap Provider is the Defaulting Party or the Affected Party
(as defined in the Current Issuer Dollar Currency Swap Agreements);
"Dollar Currency Swap Rates" means, in relation to the Current Issuer, the
Current Issuer Dollar Currency Swap Rates;
15
"Dollar Currency Swaps" means, in relation to the Current Issuer, the Current
Issuer Dollar Currency Swaps and for any other Issuer, the swap transaction(s)
documented under the Dollar Currency Swap Agreements for such Issuer;
"Dollar Global Note Certificates" means the Global Note Certificates issued in
respect of the Dollar Notes and the "Dollar Global Note Certificate" means any
one of them;
"Dollar Interest Determination Date" means two London Business Days before the
first day of the Interest Period for which the rate will apply;
"Dollar Notes" means, in relation to the Current Issuer, the Series 1 Notes
(other than the Series 1 Class A2 Notes) and the Series 2 Class A1 Notes and,
in relation to any other Issuer, the Notes issued by such Issuer in U.S.
Dollars;
"Downgrade Termination Event" in relation to the Current Issuer Basis Rate
Swap Provider, has the meaning given to it in the Current Issuer Basis Rate
Swap Agreement and in relation to any Current Issuer Currency Swap Provider,
has the meaning given to it in the relevant Current Issuer Currency Swap
Agreement;
"Drawdown Date" means, in respect of the Current Issuer Intercompany Loan, the
Closing Date and, in respect of an Intercompany Loan made by any other Issuer,
the date on which the relevant Intercompany Loan was made to Funding by such
Issuer;
"DTC Custodian" means Citibank, N.A. in its capacity as custodian for DTC in
respect of the Dollar Global Note Certificates;
"Euro Currency Swap Agreements" means, in relation to the Current Issuer, the
Current Issuer Euro Currency Swap Agreements and for any other Issuer, the
ISDA Master Agreements, Schedules, Confirmations, and any Credit Support
Annexes or other credit support documents thereto entered into among such
Issuer, the related Euro Currency Swap Provider, the Note Trustee and/or any
credit support provider, as may be amended, restated, varied or supplemented
from time to time and shall include any additional and/or replacement euro
currency swap agreements entered into by such Issuer from time to time in
connection with the Notes issued by such Issuer;
"Euro Currency Swap Provider" means, in relation to the Current Issuer, the
Current Issuer Euro Currency Swap Provider and for any other Issuer, the Euro
Currency Swap Provider for such Issuer appointed from time to time in
accordance with the relevant Issuer Transaction Documents;
"Euro Currency Swap Provider Default" means the occurrence of an Event of
Default (as defined in the Current Issuer Euro Currency Swap Agreements) or a
Downgrade Termination Event under the Current Issuer Euro Currency Swap
Agreements where the Current Issuer Euro Currency Swap Provider is the
Defaulting Party or Affected Party (as defined in the Current Issuer Euro
Currency Swap Agreements); "Euro Currency Swap Rate" means, in relation to the
Current Issuer, the Current Issuer Euro Currency Swap Rate;
"Euro Currency Swaps" means, in relation to the Current Issuer, the Current
Issuer Euro Currency Swaps and for any other Issuer, the swap transaction(s)
documented under the Euro Currency Swap Agreements for such Issuer;
"Euro Global Note Certificates" means the Global Note Certificates issued in
respect of the Euro Notes and the "Euro Global Note Certificate" means any one
of them;
16
"Euro Interest Determination Date" means two TARGET Business Days before the
first day of the Interest Period for which the rate will apply;
"Euro Notes" means in relation to the Current Issuer, the Series 1 Class A2
Notes and the Series 2 Notes (other than the Series 2 Class A1 Notes) and, in
relation to any other Issuer, the Notes issued by such Issuer in Euro;
"Event of Default" means, as the context requires, any of the following:
(a) in relation to the Current Issuer Notes, a Current Issuer Note Event
of Default;
(b) in relation to Previous Issuer Notes issued by a Previous Issuer, a
Note Event of Default pursuant to the Terms and Conditions of such
Previous Issuer Notes;
(c) in relation to the New Notes issued by any New Issuer, a Note Event
of Default pursuant to the Terms and Conditions of such New Notes;
(d) in relation to the Current Issuer Intercompany Loan Agreement, a
Current Issuer Intercompany Loan Event of Default;
(e) in relation to the Previous Issuer Intercompany Loan Agreements, the
occurrence of an event of default pursuant to the Intercompany Loan
Terms and Conditions of the such Previous Issuer;
(f) in relation to any New Intercompany Loan Agreement, the occurrence of
an event of default pursuant to the Intercompany Loan Terms and
Conditions of such New Issuer;
"Exchange Date" has the meaning specified in each form of Global Note
Certificate attached as Schedule 1 to the Current Issuer Trust Deed;
"Extraordinary Resolution" in relation to the Current Issuer Notes has the
meaning set out in Schedule 4 to the Current Issuer Trust Deed;
"Final Maturity Date" means:
(a) in respect of the Series 1 Class A1 Notes; the Payment Date falling
in September 2025;
(b) in respect of the Series 1 Class A2 Notes, the Payment Date falling
in September 2028; and
(c) and in respect of any other Current Issuer Notes, the Payment Date
falling in September 2044;
"Final Repayment Date" means, in respect of the Current Issuer Intercompany
Loan, the Payment Date falling in September 2044 and in relation to any other
Intercompany Loan the date specified under the relevant Issuer Transaction
Documents;
"Financial Year" means, in relation to the Current Issuer, Holdings, the
Mortgages Trustee, Funding and the Current Issuer Post Enforcement Call Option
Holder, each twelve month period ending on the last day of the calendar year;
"Fixed Rate Ratio" has the meaning given to it in the Current Issuer Basis
Rate Swap Agreement;
"Fixed Rate Spread" has the meaning given to it in the Current Issuer Basis
Rate Swap Agreement;
"Flexible Ratio" has the meaning given to it in the Current Issuer Basis Rate
Swap Agreement;
"Flexible Spread" has the meaning given to it in the Current Issuer Basis Rate
Swap Agreement;
"Flexible Swap Rate" has the meaning given to it in the Current Issuer Basis
Rate Swap Agreement;
17
"Form of Proxy" has the meaning specified in Schedule 4 to the Current Issuer
Trust Deed;
"Funding (Current Issuer) Bank Account Agreement" means the agreement entered
into on the Closing Date among Lloyds TSB Bank plc or Northern Rock plc, as
applicable, Funding and others which governs the operation of the Funding
(Current Issuer) GIC Account;
"Funding (Current Issuer) Guaranteed Investment Contract" means the guaranteed
investment contract entered into with respect to the Current Issuer among
Funding, the Funding GIC Provider and others, as amended from time to time,
under which the Funding GIC Provider agrees to pay Funding a guaranteed rate
of interest on the balance from time to time of the Funding (Current Issuer)
GIC Account;
"Funding (Current Issuer) GIC Account" means the account in the name of
Funding into which amounts in respect of the related Current Issuer Reserve
Fund and the Current Issuer Liquidity Reserve Fund will be deposited, if any,
established for the benefit of the Current Issuer, which account is held at
Lloyds TSB Bank plc or Northern Rock plc, as applicable, and maintained
subject to the terms of the related Funding (Current Issuer) Guaranteed
Investment Contract, the related Funding (Current Issuer) Bank Account
Agreement and the Funding Deed of Charge, or any additional or replacement
account as may for the time being be in place with the prior consent of the
Security Trustee;
"Global Note Certificates" means the note certificates in global form issued
in respect of the Current Issuer Notes, initially in the form of the US Global
Note Certificates and the Reg S Global Note Certificates or any of them and
"Global Note Certificate" means any one of them;
"Holder" or "holder" means, in relation to the Current Issuer Notes, the
person in whose name a Current Issuer Note, for the time being is registered
in the Register (or in the case of joint holders, the first named thereof);
"Individual Note Certificates" means the note certificates representing the
Current Issuer Notes in definitive form;
"Initial Relevant Screen Rate" has the meaning specified in Condition 4(C) of
the Current Issuer Notes;
"Insolvency Event" in respect of the Seller, the Administrator, the Cash
Manager or the Current Issuer Cash Manager (each, for the purposes of this
definition, a "Relevant Entity") means:
(a) an order is made or an effective resolution passed for the winding up
of the Relevant Entity or the appointment of an administrator over
the Relevant Entity (except, in any such case, a winding-up or
dissolution for the purpose of a reconstruction or amalgamation the
terms of which have been previously approved by the Security
Trustee);
(b) the Relevant Entity ceases or threatens to cease to carry on its
business or a substantial part of its business or stops payment or
threatens to stop payment of its debts or is deemed unable to pay its
debts within the meaning of section 123(a), (b), (c) or (d) of the
Insolvency Act 1986 (as amended, modified or re-enacted) or becomes
unable to pay its debts as they fall due or the value of its assets
falls to less than the amounts of its liabilities (taking into
account, for both these purposes, contingent and prospective
liabilities) or otherwise becomes insolvent;
(c) proceedings are initiated against the Relevant Entity under any
applicable liquidation, insolvency, composition, reorganisation
(other than a reorganisation where the Relevant Entity
18
is solvent) or other similar laws including, but not limited to,
application or pending application for an administration order or
presentation of a petition for a winding up order except where these
proceedings are being contested in good faith; or an administration
order being granted or an administrative or other receiver,
administrator, liquidator or other similar official is appointed in
relation to the whole or any substantial part of the undertaking or
assets of the Relevant Entity; or a distress, execution or diligence
or other process is enforced upon the whole or any substantial part
of the undertaking or assets of the Relevant Entity and in any of the
foregoing cases it is not discharged within 30 London Business Days;
or if the Relevant Entity initiates or consents to judicial
proceedings relating to itself under any applicable liquidation,
administration, insolvency, reorganisation or other similar laws or
makes a conveyance or assignment for the benefit of its creditors
generally;
and in respect of the Current Issuer and Funding (for the purposes of this
definition, a "Relevant Entity"), means:
(a) except for the purposes of an amalgamation or restructuring as
described in sub-clause (b) below, the Relevant Entity ceases or
threatens to cease to carry on all or a substantial part of its
business or the Relevant Entity is deemed unable to pay its debts
within the meaning of section 123(1)(a), (b), (c) or (d) of the
Insolvency Act 1986 (as amended, modified or re-enacted) or becomes
unable to pay its debts within the meaning of section 123(2) of the
Insolvency Act 1986 (as amended, modified or re-enacted); or
(b) an order is made or an effective resolution is passed for the winding
up of the Relevant Entity or the appointment of an administrator over
the Relevant Entity (except for the purposes of or pursuant to an
amalgamation, restructuring or merger previously approved by the Note
Trustee or the Security Trustee, as the case may be (or as approved
in writing by an Extraordinary Resolution (as defined in the Current
Issuer Trust Deed) of the Class A Noteholders); or
(c) proceedings are otherwise initiated against the Relevant Entity under
any applicable liquidation, insolvency, composition, reorganisation
or other similar laws (including, but not limited to, application or
pending application for an administration order or presentation of a
petition for a winding up order) and (except in the case of
presentation of a petition for a winding up order) such proceedings
are not, in the opinion of the Note Trustee or the Security Trustee
(as the case may be), being disputed in good faith with a reasonable
prospect of success; or an administration order being granted or an
administrative receiver or other receiver, administrator, liquidator
or other similar official being appointed in relation to the Relevant
Entity or in relation to the whole or any substantial part of the
undertaking or assets of the Relevant Entity; or an encumbrancer
taking possession of the whole or any substantial part of the
undertaking or assets of the Relevant Entity, or a distress,
execution, diligence or other process being levied or enforced upon
or sued out against the whole or any substantial part of the
undertaking or assets of the Relevant Entity and such possession or
process (as the case may be) not being discharged or not otherwise
ceasing to apply within 30 days; or the Relevant Entity initiating
or consenting to judicial proceedings relating to itself under
applicable liquidation, administration, insolvency, composition,
reorganisation or other similar laws or making a conveyance or
assignment for the benefit of its creditors generally;
"Interest Amounts" has the meaning given to it under Condition 4(D) of the
Current Issuer Notes;
"Interest Determination Date" means, in relation to the Current Issuer Notes:
19
(a) in respect of the US Notes, the date which is two London Business
Days before the first day of the Interest Period for which the
relevant interest rate will apply;
(b) in respect of the Sterling Notes, in respect of the first Interest
Period, the Closing Date, and in respect of subsequent Interest
Periods, the first day of the Interest Period for which the relevant
interest rate will apply; and
(c) in respect of the Euro Notes, the date which is two TARGET Business
Days before the first day of the Interest Period for which the
relevant interest rate will apply;
"Interest Period" means:
(a) in respect of interest payments made in respect of the Current Issuer
Notes (other than the Series 3 Class A2 Notes), the period from (and
including) a Quarterly Payment Date (or in respect of the first
Interest Period, the Closing Date) to (but excluding) the next
following (or first) Quarterly Payment Date;
(b) subject to (c), in respect of the Series 3 Class A2 Notes, (i) the
period from (and including) the Closing Date to (but excluding) the
20th day of September 2005; (ii) on and after 20th September 2005,
the annual period from (and including) a Series 3 Class A2 Payment
Date to (but excluding) the next Series 3 Class A2 Payment Date; and
(iii) on and after the Series 3 Class A2 Payment Date falling in
September 2011, the Interest Period for the Series 3 Class A2 Notes
will be the period from (and including) the immediately preceding
Quarterly Payment Date (or in respect of the first such Interest
Period, such Payment Date falling in September 2011) to (but
excluding) the next following Quarterly Payment Date;
(c) in relation to the Series 3 Class A2 Notes, where a Trigger Event
occurs and/or the Funding Security and/or the Current Issuer Security
is enforced prior to the Payment Date in September 2011:
(i) the then current Interest Period for the Series 3 Class A2
Notes shall be the period from (and including) the
immediately preceding Series 3 Class A2 Payment Date (or, if
applicable, the Closing Date) to (but excluding), if a
Trigger Event has occurred, the next Quarterly Payment Date,
or, if the Funding Security and/or the Current Issuer
Security has been enforced, the date of such enforcement,
and
(ii) thereafter, the Interest Period for the Series 3 Class A2
Notes shall be the period from (and including) the latest
excluded date (as referred to above) to (but excluding) the
next following Quarterly Payment Date and, thereafter, each
quarterly period calculated in accordance with (a) above.
"Issuer Amount" has the meaning given to it in the Current Issuer Basis Rate
Swap Agreement;
"Jersey Secured Property" means, as the context requires, the Current Issuer
Jersey Secured Property or the Funding Jersey Secured Property;
"Jersey Security Interest" means a Security Interest created in accordance
with Jersey law pursuant to any relevant Transaction Document;
"Junior Noteholders" means the holders for the time being of the Class C Notes;
"Junior Notes" means, in relation to the Current Issuer, the Class C Notes;
20
"Lead Managers" means, in relation to the Current Issuer Notes (1) in respect
of the US Notes, Deutsche Bank Securities Inc., UBS Limited and Lehman
Brothers Inc. and (2) in respect of the Reg S Notes, Deutsche Bank AG London,
UBS Limited and Lehman Brothers International (Europe);
"Managers" means, in relation to the Reg S Notes issued by the Current Issuer,
Barclays Bank PLC, ING Belgium SA/NV, Credit Suisse First Boston (Europe)
Limited, Deutsche Bank AG London, Lehman Brothers International (Europe) and
UBS Limited;
"Master Definitions Schedule" means the master definitions schedule signed for
the purposes of identification by Brown & Wood and Clifford Chance Limited
Liability Partnership on or about 26 March 2001, as has been and may be
amended, restated, varied or supplemented from time to time, which is a
schedule of the definitions used in the Transaction Documents;
"Mezzanine Noteholders" means the holders for the time being of the Class B
Notes;
"Mezzanine Notes" means, in relation to the Current Issuer, the Class B Notes;
"Note Certificates" means any Global Note Certificates or Individual Note
Certificates;
"Note Determination Date" means, in relation to the Current Issuer Notes, the
Current Issuer Note Determination Date, in relation to Notes issued by any
other Issuer, the Distribution Date immediately preceding the relevant Payment
Date;
"Note Enforcement Notice" means, in relation to the Current Issuer, the
Current Issuer Note Enforcement Notice and in relation to any other Issuer, a
notice issued by the Note Trustee to such Issuer and the Security Trustee on
the occurrence of a Note Event of Default, declaring the Notes issued by that
Issuer or any class of such Notes to be due and repayable pursuant to the
Conditions of such Notes;
"Note Event of Default" means, in relation to the Current Issuer, a Current
Issuer Note Event of Default and, in relation to any other Issuer, the
occurrence of an event of default by such Issuer as specified in the relevant
Conditions of the Notes issued by such Issuer;
"Noteholders" means, in relation to the Current Issuer Notes, the Class A
Noteholders, the Class B Noteholders, the Class M Noteholders and the Class C
Noteholders or any of them, in relation to Notes issued by any other Issuer,
the holders for the time being of such Notes;
"Notes" means, in relation to the Current Issuer, the Current Issuer Notes
and, in relation to any other Issuer, the notes issued by such Issuer;
"notice" means, in respect of notice being given to the Noteholders, a notice
duly given in accordance with, in the case of the Current Issuer Notes,
Condition 14 of the Current Issuer Notes and, in the case of Notes issued by
any other Issuer, the relevant equivalent Condition of such Notes;
"Offering Circular" means, in relation to the Current Issuer Notes, the
offering circular dated [o] September 2004 relating to the issue of the Reg S
Notes and, in relation to Notes issued by any other Issuer, the offering
circular relating to the Reg S Notes issued by such Issuer including, in each
case, the Prospectus attached thereto;
"Officers' Certificate" means with respect to any Person, a certificate signed
by any director or equivalent officer of such Person. Each such certificate
shall include the statements provided for in Clause 16 of the Current Issuer
Trust Deed if and to the extent required by the provisions thereof;
21
"Opinion of Counsel" means an opinion in writing signed by legal counsel who
shall be acceptable to the Note Trustee and who may be counsel to the Current
Issuer or to an affiliate of the Current Issuer or to such other party as the
Note Trustee may from time to time agree. Each such opinion shall include the
statements provided for in Clause 16 of the Current Issuer Trust Deed if and
to the extent required by the provisions hereof;
"Paying Agent and Agent Bank Agreement" means, in relation to the Current
Issuer, the Current Issuer Paying Agent and Agent Bank Agreement, in relation
to any other Issuer, the Paying Agent and Agent Bank Agreement with respect to
such Issuer as defined in the Issuer Master Definitions Schedule relating to
such Issuer;
"Paying Agents" means the Principal Paying Agent and the US Paying Agent
initially appointed as paying agents pursuant to the Current Issuer Paying and
Agent Bank Agreement or, if applicable, any successor paying agents;
"Payment Date" means, in relation to the Current Issuer Notes (other than the
Series 3 Class A2 Notes), the 20th day of March, June, September and December
of each year, and with respect to the Series 3 Class A2 Notes, the 20th day of
September in each year up to and including the earlier of the (a) Payment Date
in September 2011, (b) the occurrence of a Trigger Event or (c) the
enforcement of the Funding Security and/or the Issuer Security, and thereafter
the 20th day of March, June, September and December of each year, beginning
with the first such date to occur following such earliest event to occur (or,
in each case, if such day is not a Business Day, the next succeeding Business
Day);
"Pool Factor". Not applicable to this transaction;
"Potential Current Issuer Event of Default" has the same meaning as "Potential
Note Event of Default";
"Preliminary Offering Circular" means, in relation to the Current Issuer
Notes, the preliminary offering circular dated 31 August 2004 relating to the
Reg S Notes and, in relation to Notes issued by any other Issuer, the
preliminary offering circular relating to the Reg S Notes issued by such
Issuer including, in each case, the Preliminary Prospectus attached thereto;
"Preliminary Prospectus" means, in relation to the Current Issuer Notes, the
preliminary prospectus dated 31 August 2004 relating to the US Notes and, in
relation to Notes issued by any other Issuer, the preliminary prospectus
relating to the US Notes issued by such Issuer;
"Principal Amount Outstanding" in relation to the Current Issuer Notes, has
the meaning set out in Condition 5(C) of the Current Issuer Notes and, in
relation to Notes issued by any other Issuer, has the meaning set out in the
Conditions of such Notes;
"Principal Paying Agent" means in relation to the Current Issuer Notes,
Citibank, N.A., whose principal office is 5 Carmelite Street, London EC4Y 0PA,
in its capacity as principal paying agent at its specified office initially
appointed as a principal paying agent pursuant to the Current Issuer Principal
Paying and Agent Bank Agreement or, if applicable, any successor principal
paying agent at its specified office;
"Prospectus" means, in relation to the Current Issuer Notes, the prospectus
dated [o] September, 2004 relating to the US Notes and, in relation to Notes
issued by any other Issuer, the prospectus relating to the US Notes issued by
such Issuer;
"Proxy" has the meaning specified in Schedule 4 to the Current Issuer Trust
Deed;
22
"Rate of Interest" in relation to the Current Issuer Notes, has the meaning
given in Condition 4 of the Current Issuer Notes and, in relation to Notes
issued by any other Issuer, has the meaning set out in the Conditions of such
Notes;
"Rating Agencies" means S&P, Moody's and Fitch, and "Rating Agency" means any
of them;
"Reasonable Prudent Mortgage Lender" or "reasonable prudent mortgage lender"
means a reasonably prudent prime residential mortgage lender lending to
Borrowers in England, Wales and Scotland who generally satisfy the lending
criteria of traditional sources of residential mortgage capital;
"Record Date" means the fifteenth day before the due date for any payment on
the Notes;
"Reference Banks" means the principal London office of each of Citibank N.A.,
ABN AMRO Bank N.V., Barclays Bank plc and The Royal Bank of Scotland plc or
any bank that replaces such bank;
"Reference Lenders" has the meaning given to it in the Current Issuer Basis
Rate Swap Agreement;
"Reg S Notes" means, in relation to the Current Issuer, the Series 1 Class A2
Notes, the Series 2 Notes (other than the Series 2 Class A1 Notes) and the
Series 3 Notes;
"Register" means the register of Noteholders kept by the Registrar and which
records the identity of each Noteholder and the number of Notes that each
Noteholder owns;
"Registrar" in respect of the Current Issuer Notes, means Citibank, N.A.,
acting through its office at 5 Carmelite Street, London EC4Y 0PA appointed
initially pursuant to the Current Issuer Paying Agent and Agent Bank Agreement
or, if applicable, any successor registrar at its specified office, and
procured by the Current Issuer to maintain the Register;
"Registration Statement" means the registration statement on Form S-11 (No.
333-117465) as filed with the SEC;
"Regulation S Legend" has the meaning given to it in Section 16 of Schedule 2
to the Current Issuer Paying Agent and Agent Bank Agreement;
"Regulations" means as the context may require either (i) the Unfair Terms in
Consumer Contracts Regulations 1999 and/or, as applicable, the Unfair Terms in
Consumer Contracts Regulations 1994 or (ii) the Regulations set out in
Schedule 2 to the Current Issuer Paying Agent and Agent Bank Agreement;
"Relevant Margin" has the meaning specified in Condition 4 of the Current
Issuer Notes;
"Relevant Note" has the meaning specified in Schedule 4 to the Current Issuer
Trust Deed;
"Relevant Screen Rate" has the meaning specified in Condition 4 of the Current
Issuer Notes;
"Representative" has the meaning specified in Schedule 4 to the Current Issuer
Trust Deed;
"Security Documents" means the Current Issuer Deed of Charge, the Funding Deed
of Charge and each Deed of Accession entered into pursuant to the Funding Deed
of Charge and any other security document entered into pursuant to any of the
foregoing;
"Senior Noteholders" means the holders for the time being of the Class A
Notes;
"Senior Notes" means, in relation to the Current Issuer, the Class A Notes;
23
"Series 1 Class A Global Note Certificates" means the Series 1 Class A1 Global
Note Certificate, the Series 1 Class A2 Global Note Certificate and the Series
1 Class A3 Global Note Certificate and the "Series 1 Class A Global Note
Certificate" means any one of them;
"Series 1 Class A Noteholders" means the Series 1 Class A1 Noteholders, the
Series 1 Class A2 Noteholders and the Series 1 Class A3 Noteholders or any of
them;
"Series 1 Class A Notes" means the Series 1 Class A1 Notes, the Series 1 Class
A2 Notes and the Series 1 Class A3 Notes or any of them;
"Series 1 Class A1 Dollar Currency Swap" means, in relation to the Current
Issuer, the Sterling-Dollar currency swap transaction which enables the
Current Issuer to receive and pay amounts under the Current Issuer
Intercompany Loan in Sterling and to receive and pay amounts under the Series
1 Class A1 Notes in Dollars;
"Series 1 Class A1 Dollar Currency Swap Provider" means the Current Issuer
Dollar Currency Swap Provider;
"Series 1 Class A1 Global Note Certificate" means the Global Note Certificate
to be issued in respect of the Series 1 Class A1 Notes pursuant to Clause 3.1
(Global Note Certificates) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 1 Class A1 Noteholders" means the holders for the time being of the
Series 1 Class A1 Notes;
"Series 1 Class A1 Notes" means the notes comprising the $[1,000,000,000]
Floating Rate Notes due 2025 constituted by the Current Issuer Trust Deed in
or substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
including any replacement Series 1 Class A1 Notes issued pursuant to Condition
13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and
Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust
Deed) the Series 1 Class A1 Global Note Certificate for so long as it has not
been exchanged in accordance with the terms thereof;
"Series 1 Class A2 Euro Currency Swap Provider" means the Current Issuer Euro
Currency Swap Provider;
"Series 1 Class A2 Euro Currency Swap" means, in relation to the Current
Issuer, the Sterling-Euro currency swap transaction which enables the Current
Issuer to receive and pay amounts under the Current Issuer Intercompany Loan
in Sterling and to receive and pay amounts under the Series 1 Class A2 Notes
in Euro;
"Series 1 Class A2 Global Note Certificate" means the Global Note Certificate
to be issued in respect of the Series 1 Class A2 Notes pursuant to Clause 3.1
(Global Note Certificate) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 1 Class A2 Noteholders" means the holders of the time being of the
Series 1 Class A2 Notes;
"Series 1 Class A2 Notes" means the notes comprising the (euro)[500,000,000]
Floating Rate Notes due 2028 constituted by the Current Issuer Trust Deed in
or substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
including any replacement Series 1 Class A2 Notes issued pursuant to Condition
13 and (except
24
for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2
(Forms of Global Note Certificates) of the Current Issuer Trust Deed) the
Series 1 Class A2 Global Note Certificate for so long as it has not been
exchanged in accordance with the terms thereof;
"Series 1 Class A3 Dollar Currency Swap Provider" means the Current Issuer
Dollar Currency Swap Provider;
"Series 1 Class A3 Dollar Currency Swap" means, in relation to the Current
Issuer, the Sterling-Dollar currency swap transaction which enables the
Current Issuer to receive and pay amounts under the Current Issuer
Intercompany Loan in Sterling to receive and pay amounts under the Series 1
Class A3 Notes in Dollars;
"Series 1 Class A3 Global Note Certificate" means the Global Note Certificate
to be issued in respect of the Series 1 Class A3 Notes pursuant to Clause 3.1
(Global Note Certificate) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 1 Class A3 Noteholders" means the holders of the time being of the
Series 1 Class A3 Notes;
"Series 1 Class A3 Notes" means the notes comprising the $[1,271,750,000]
Floating Rate Notes due 2044 constituted by the Current Issuer Trust Deed in
or substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
including any replacement Series 1 Class A3 Notes issued pursuant to Condition
13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and
Clause 3.2 (Form of Global Note Certificates) of the Current Issuer Trust
Deed) the Series 1 Class A3 Global Note Certificate for so long as it has not
been exchanged in accordance with the terms thereof;
"Series 1 Class B Dollar Currency Swap Provider" means the Current Issuer
Dollar Currency Swap Provider;
"Series 1 Class B Dollar Currency Swap" means, in relation to the Current
Issuer, the Sterling-Dollar currency swap transaction, which enables the
Current Issuer to receive and pay amounts under the Current Issuer
Intercompany Loan in Sterling and to receive and pay amounts under the Series
1 Class B Notes in Dollars;
"Series 1 Class B Global Note Certificate" means the Global Note Certificate
to be issued in respect of the Series 1 Class B Notes pursuant to Clause 3.1
(Global Note Certificates) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 1 Class B Noteholders" means the holders for the time being of the
Series 1 Class B Notes;
"Series 1 Class B Notes" means the notes comprising the $[60,350,000] Floating
Rate Notes due 2044 constituted by the Current Issuer Trust Deed in or
substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
including any replacement Series 1 Class B Notes issued pursuant to Condition
13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and
Clause 3.2 (Form of Global Note Certificates) of the Current Issuer Trust
Deed) the Series 1 Class B Global Note Certificate for so long as it has not
been exchanged in accordance with the terms thereof;
"Series 1 Class C Dollar Currency Swap Provider" means the Current Issuer
Dollar Currency Swap Provider;
25
"Series 1 Class C Dollar Currency Swap" means, in relation to the Current
Issuer, the Sterling-Dollar currency swap transaction, which enables the
Current Issuer to receive and pay amounts under the Current Issuer
Intercompany Loan in Sterling and to receive and pay amounts under the Series
1 Class C Notes in Dollars;
"Series 1 Class C Global Note Certificate" means the Global Note Certificate
to be issued in respect of the Series 1 Class C Notes pursuant to Clause 3.1
(Global Note Certificates) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 1 Class C Noteholders" means the holders for the time being of the
Series 1 Class C Notes;
"Series 1 Class C Notes" means the notes comprising the $[63,900,000] Floating
Rate Notes due 2044 constituted by the Current Issuer Trust Deed in or
substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
includes any replacement Series 1 Class C Notes issued pursuant to Condition
13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and
Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust
Deed) the Series 1 Class C Global Note Certificate for so long as it has not
been exchanged in accordance with the terms thereof;
"Series 1 Class M Dollar Currency Swap Provider" means the Current Issuer
Dollar Currency Swap Provider;
"Series 1 Class M Dollar Currency Swap" means, in relation to the Current
Issuer, the Sterling-Dollar currency swap transaction, which enables the
Current Issuer to receive and pay amounts under the Current Issuer
Intercompany Loan in Sterling and to receive and pay amounts under the Series
1 Class M Notes in Dollars;
"Series 1 Class M Global Note Certificate" means the Global Note Certificate
to be issued in respect of the Series 1 Class M Notes pursuant to Clause 3.1
(Global Note Certificates) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 1 Class M Noteholders" means the holders for the time being of the
Series 1 Class M Notes;
"Series 1 Class M Notes" means the notes comprising the $[31,950,000] Floating
Rate Notes due 2044 constituted by the Current Issuer Trust Deed in or
substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
includes any replacement Series 1 Class M Notes issued pursuant to Condition
13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and
Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust
Deed) the Series 1 Class M Global Note Certificate for so long as it has not
been exchanged in accordance with the terms thereof;
"Series 1 Global Note Certificates" means collectively the Series 1 Class A
Global Note Certificates, the Series 1 Class B Global Note Certificate, the
Series 1 Class M Global Note Certificate and the Series 1 Class C Global Note
Certificate and "Series 1 Global Note Certificate" means any one of them;
"Series 1 Notes" means collectively the Series 1 Class A Notes, the Series 1
Class B Notes, the Series 1 Class M Notes and the Series 1 Class C Notes;
26
"Series 2 Class A Global Note Certificates" means the Series 2 Class A1 Global
Note Certificate and the Series 2 Class A2 Global Note Certificate and the
"Series 2 Class A Global Note Certificate" means any one of them;
"Series 2 Class A Noteholders" means the Series 2 Class A1 Noteholders and the
Series 2 Class A2 Noteholders or any of them;
"Series 2 Class A Notes" means the Series 2 Class A1 Notes and the Series 2
Class A2 Notes or any of them;
"Series 2 Class A1 Dollar Currency Swap Provider" means the Current Issuer
Dollar Currency Swap Provider;
"Series 2 Class A1 Dollar Currency Swap" means, in relation to the Current
Issuer, the Sterling-Dollar currency swap transaction which enables the
Current Issuer to receive and pay amounts under the Current Issuer
Intercompany Loan in Sterling and to receive and pay amounts under the Series
2 Class A Notes in Dollars;
"Series 2 Class A1 Global Note Certificate" means the Global Note Certificate
to be issued in respect of the Series 2 Class A1 Notes pursuant to Clause 3.1
(Global Note Certificates) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 2 Class A1 Noteholders" means the holders for the time being of the
Series 2 Class A1 Notes;
"Series 2 Class A1 Notes" means the notes comprising the (euro)[727,250,000]
Floating Rate Notes due 2044 constituted by the Current Issuer Trust Deed in
or substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
including any replacement Series 2 Class A1 Notes issued pursuant to Condition
13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and
Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust
Deed) the Series 2 Class A1 Global Note Certificate for so long as it has not
been exchanged in accordance with the terms thereof;
"Series 2 Class A2 Global Note Certificate" means the Global Note Certificate
to be issued in respect of the Series 2 Class A2 Notes pursuant to Clause 3.1
(Global Note Certificates) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 2 Class A2 Noteholders" means the holders for the time being of the
Series 2 Class A2 Notes;
"Series 2 Class A2 Notes" means the notes comprising the (GBP)[810,000,000]
Floating Rate Notes due 2044 constituted by the Current Issuer Trust Deed in
or substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
including any replacement Series 2 Class A2 Notes issued pursuant to Condition
13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and
Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust
Deed) the Series 2 Class A2 Global Note Certificate for so long as it has not
been exchanged in accordance with the terms thereof;
"Series 2 Class B Euro Currency Swap Provider" means the Current Issuer Euro
Currency Swap Provider;
"Series 2 Class B Euro Currency Swap" means, in relation to the Current
Issuer, the Sterling-Euro currency swap transaction which enables the Current
Issuer to receive and pay amounts under the
27
Current Issuer Intercompany Loan in Sterling and to receive and pay amounts
under the Series 2 Class B Notes in Euro;
"Series 2 Class B Global Note Certificate" means the Global Note Certificate
to be issued in respect of the Series 2 Class B Notes pursuant to Clause 3.1
(Global Note Certificates) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 2 Class B Noteholders" means the holders for the time being of the
Series 2 Class B Notes;
"Series 2 Class B Notes" means the notes each comprising the
(euro)[75,300,000] Floating Rate Notes due 2044 constituted by the Current
Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and
2 thereto and for the time being outstanding or, as the case may be, a
specific number thereof and including any replacement Series 2 Class B Notes
issued pursuant to Condition 13 and (except for the purposes of Clause 3.1
(Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates)
of the Current Issuer Trust Deed) the Series 2 Class B Global Note Certificate
for so long as it has not been exchanged in accordance with the terms thereof;
"Series 2 Class C Euro Currency Swap Provider" means the Current Issuer Euro
Currency Swap Provider;
"Series 2 Class C Euro Currency Swap" means, in relation to the Current
Issuer, the Sterling-Euro currency swap transaction which enables the Current
Issuer to receive and pay amounts under the Current Issuer Intercompany Loan
in Sterling and to receive and pay amounts under the Series 2 Class C Notes in
Euro;
"Series 2 Class C Global Note Certificate" means the Global Note Certificate
to be issued in respect of the Series 2 Class C Notes pursuant to Clause 3.1
(Global Note Certificates) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 2 Class C Noteholders" means the holders for the time being of the
Series 2 Class C Notes;
"Series 2 Class C Notes" means the notes each comprising the
(euro)[140,750,000] Floating Rate Notes due 2044 constituted by the Current
Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and
2 thereto and for the time being outstanding or, as the case may be, a
specific number thereof and including any replacement Series 2 Class C Notes
issued pursuant to Condition 13 and (except for the purposes of Clause 3.1
(Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates)
of the Current Issuer Trust Deed) the Series 2 Class C Global Note Certificate
for so long as it has not been exchanged in accordance with the terms thereof;
"Series 2 Class M Euro Currency Swap Provider" means the Current Issuer Euro
Currency Swap Provider;
"Series 2 Class M Euro Currency Swap" means, in relation to the Current
Issuer, the Sterling-Euro currency swap transaction which enables the Current
Issuer to receive and pay amounts under the Current Issuer Intercompany Loan
in Sterling and to receive and pay amounts under the Series 2 Class M Notes in
Euro;
"Series 2 Class M Global Note Certificate means the Global Note Certificate to
be issued in respect of the Series 2 Class M Notes pursuant to Clause 3.1
(Global Note Certificates) of the Current Issuer
28
Trust Deed in the form or substantially in the form set out in Schedule 1 of
the Current Issuer Trust Deed;
"Series 2 Class M Noteholders" means the holders for the time being of the
Series 2 Class M Notes;
"Series 2 Class M Notes" means the notes comprising the (euro)[58,600,000]
Floating Rate Notes due 2044 constituted by the Current Issuer Trust Deed in
or substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
including any replacement Series 2 Class M Notes issued pursuant to Condition
13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and
Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust
Deed) the Series 2 Class M Global Note Certificate for so long as it has not
been exchanged in accordance with the terms thereof;
"Series 2 Global Note Certificates" means collectively the Series 2 Class A
Global Note Certificates, the Series 2 Class B Global Note Certificate, the
Series 2 Class M Global Note Certificate and the Series 2 Class C Global Note
Certificate and "Series 2 Global Note Certificate" means any one of them;
"Series 2 Notes" means collectively the Series 2 Class A Notes, the Series 2
Class B Notes, the Series 2 Class M Notes and the Series 2 Class C Notes;
"Series 3 Class A Global Note Certificates" means the Series 3 Class A1 Global
Note Certificate and the Series 3 Class A2 Global Note Certificate and "Series
3 Class A Global Note Certificate" means any of them;
"Series 3 Class A Noteholders" means the Series 3 Class A1 Noteholders and the
Series 3 Class A2 Noteholders or any of them;
"Series 3 Class A Notes" means the Series 3 Class A1 Notes and the Series 3
Class A2 Notes or any of them;
"Series 3 Class A1 Notes" means the notes comprising the (GBP)[411,250,000]
Floating Rate Notes due 2044 constituted by the Current Issuer Trust Deed in
or substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
including any replacement Series 3 Class A Notes issued pursuant to Condition
13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and
Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust
Deed) the Series 3 Class A Global Note Certificate for so long as it has not
been exchanged in accordance with the terms thereof;
"Series 3 Class B Global Note Certificate" means the Global Note Certificate
to be issued in respect of the Series 3 Class B Notes pursuant to Clause 3.1
(Global Note Certificates) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 3 Class B Noteholders" means the holders for the time being of the
Series 3 Class B Notes;
"Series 3 Class B Notes" means the notes comprising the (GBP)[54,350,000]
Floating Rate Notes due 2044 constituted by the Current Issuer Trust Deed in
or substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
including any replacement Series 3 Class B Notes issued pursuant to Condition
13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and
Clause 3.2 (Forms of Global Note
29
Certificates) of the Current Issuer Trust Deed) the Series 3 Class B Global
Note Certificate for so long as it has not been exchanged in accordance with
the terms thereof;
"Series 3 Class C Global Note Certificate" means the Global Note Certificate
to be issued in respect of the Series 3 Class C Notes pursuant to Clause 3.1
(Global Note Certificates) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 3 Class C Noteholders" means the holders for the time being of the
Series 3 Class C Notes;
"Series 3 Class C Notes" means the notes comprising the (GBP)[99,450,000]
Floating Rate Notes due 2044 constituted by the Current Issuer Trust Deed in
or substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
including any replacement Series 3 Class C Notes issued pursuant to Condition
13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and
Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust
Deed) the Series 3 Class C Global Note Certificate for so long as it has not
been exchanged in accordance with the terms thereof;
"Series 3 Class M Global Note Certificate means the Global Note Certificate to
be issued in respect of the Series 3 Class M Notes pursuant to Clause 3.1
(Global Note Certificates) of the Current Issuer Trust Deed in the form or
substantially in the form set out in Schedule 1 of the Current Issuer Trust
Deed;
"Series 3 Class M Noteholders" means the holders for the time being of the
Series 3 Class M Notes;
"Series 3 Class M Notes" means the notes comprising the (GBP)[42,250,000]
Floating Rate Notes due 2044 constituted by the Current Issuer Trust Deed in
or substantially in the forms set out in Schedules 1 and 2 thereto and for the
time being outstanding or, as the case may be, a specific number thereof and
including any replacement Series 3 Class M Notes issued pursuant to Condition
13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and
Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust
Deed) the Series 3 Class M Global Note Certificate for so long as it has not
been exchanged in accordance with the terms thereof;
"Series 3 Global Note Certificates" means collectively the Series 3 Class A1
Global Note Certificate, the Series 3 Class A2 Global Note Certificate, the
Series 3 Class B Global Note Certificate, the Series 3 Class M Global Note
Certificate and the Series 3 Class C Global Note Certificate and "Series 3
Global Note Certificate" means any one of them;
"Series 3 Notes" means collectively the Series 3 Class A1 Notes, the Series 3
Class A2 Notes, the Series 3 Class B Notes, the Series 3 Class M Notes and the
Series 3 Class C Notes;
"Specified Office" means, as the context may require, in relation to any of
the Agents, the office specified against the name of such Agent in the Current
Issuer Paying Agent and Agent Bank Agreement or such other specified notice as
may be notified to the Current Issuer and the Note Trustee pursuant to the
Current Issuer Paying Agent and Agent Bank Agreement;
"Step-up Date" means the Payment Date in respect of an Issuer on which the
interest rate on the Notes issued by such Issuer increases by a pre-determined
amount following the payment made by such Issuer on such Payment Date, which
date in respect of the Current Issuer is the Payment Date occurring in (a) in
respect of all the Notes (other than the Series 1 Class [A1] Notes), September
2011 and (b) in respect of the Series 1 Class [A2] Notes only, March 2006;
30
"Sterling Global Note Certificates" means the Global Note Certificates issued
in respect of the Sterling Notes and the "Sterling Global Note Certificate"
means any one of them;
"Sterling Notes" means, in relation to the Current Issuer, the Series 3 Notes
and, in relation to any other Issuer, the Notes issued by such Issuer in
Sterling;
"Subordinated Principal Test". Not applicable to this transaction;
"Swap Collateral" means any asset (including, without limitation, Cash and/or
securities) paid or transferred to the Current Issuer by a Current Issuer Swap
Provider in accordance with the terms of the relevant Current Issuer Swap
Agreement as collateral to secure the performance of that Current Issuer Swap
Provider's obligations under the relevant Current Issuer Swap Agreement
together with any income or distributions received in respect of such asset
and any equivalent of or replacement of such asset into which such asset is
transformed;
"Swap Collateral Accounts" means the Swap Collateral Cash Account and the Swap
Collateral Securities Account;
"Swap Collateral Ancillary Document" means any document (including, without
limitation, any custodial agreement or bank account agreement but excluding
the Current Issuer Swap Agreements, the Current Issuer Cash Management
Agreement and the Current Issuer Deed of Charge) as may be entered into by the
Issuer from to time in connection with Swap Collateral;
"Swap Collateral Available Principal Amount" means, at any time, the amount of
Swap Collateral which under the terms of the relevant Current Issuer Swap
Agreement may be applied at that time in satisfaction of the relevant Current
Issuer Swap Provider's obligations to the Current Issuer to the extent that
such obligations relate to payments to be made in connection with the Current
Issuer Pre-Enforcement Principal Priority of Payments or Current Issuer
Post-Enforcement Priority of Payments, as the case may be;
"Swap Collateral Available Revenue Amount" means, at any time, the amount of
Swap Collateral which under the terms of the relevant Current Issuer Swap
Agreement may be applied at that time in satisfaction of the relevant Current
Issuer Swap Provider's obligations to the Current Issuer to the extent that
such obligations relate to payments to be made in connection with the Current
Issuer Pre-Enforcement Revenue Priority of Payments or Current Issuer
Post-Enforcement Priority of Payments, as the case may be;
"Swap Collateral Cash Account" means an account opened in the name of the
Current Issuer for the purpose of holding Swap Collateral in Cash and
maintained in accordance with the terms of the Current Issuer Cash Management
Agreement;
"Swap Collateral Excluded Amount" means, at any time, the amount of Swap
Collateral which may not be applied at that time in satisfaction of the
relevant Current Issuer Swap Provider's obligations to the Current Issuer
under the terms of the relevant Current Issuer Swap Agreement;
"Swap Collateral Ledger" means the ledger and any sub-ledgers maintained by
the Current Issuer Cash Manager in the books of the Current Issuer in
accordance with Clause 5.6 (Posted Collateral) of the Current Issuer Cash
Management Agreement;
"Swap Collateral Securities Account" means a securities account opened in the
name of the Current Issuer for the purpose of holding Swap Collateral in the
form of securities and maintained in accordance with the terms of the Current
Issuer Cash Management Agreement;
31
"Swap Provider Amount" has the meaning given to it in the Current Issuer Basis
Rate Swap Agreement;
"Swap Replacement Payment" means any amount received by the Current Issuer
from a replacement to any of the Current Issuer Swap Providers upon entry by
the Current Issuer into an agreement with such replacement swap provider
replacing a Current Issuer Swap Agreement which has terminated following the
occurrence of a Downgrade Termination Event;
"Tax Credit" has the meaning, where applicable, given to it in each Current
Issuer Swap Agreement;
"Telerate Page No. 3750" means the display designated as Page 3750 on the
Dow-Jones/Telerate Monitor Service (or such other page as may replace Telerate
Page No. 3750 on that service or such other service as may be nominated by the
British Bankers' Association (including the Reuters Screen) as the information
vendor for the purposes of displaying British Bankers' Association Interest
Settlement Rates for deposits in the currency concerned);
"Three Month LIBOR" has the meaning given to it in the Current Issuer Basis
Rate Swap Agreement;
"Transaction Document" means any of the following documents:
(a) the Mortgages Trust Deed;
(b) the Mortgage Sale Agreement;
(c) the Funding Deed of Charge;
(d) the Second Priority Funding Deed of Charge;
(e) the Administration Agreement;
(f) the Cash Management Agreement;
(g) the Funding Guaranteed Investment Contract;
(h) the Mortgages Trustee Guaranteed Investment Contract;
(i) the Bank Account Agreement;
(j) the Collection Bank Agreement;
(k) the Share Trust Deed;
(l) the Corporate Services Agreement;
(m) the Stand-by Bank Account Agreement;
(n) the Stand-by Funding Guaranteed Investment Contract;
(o) the Stand-by Mortgages Trustee Guaranteed Investment Contract; and
(p) the Current Issuer Transaction Documents;
"Transfer Agent" means Citibank, N.A., acting through its Specified Office at
5 Carmelite Street, London EC4Y 0PA, and initially appointed by the Current
Issuer under the Current Issuer Paying Agent and Agent Bank Agreement to
administer the transfer of Current Issuer Notes, or such other person for the
time being acting as Transfer Agent under the Current Issuer Paying Agent and
Agent Bank Agreement;
32
"Trust Deed" means, in relation to the Current Issuer, the Current Issuer
Trust Deed and, in relation to any other Issuer, the trust deed entered into
on the relevant Closing Date constituting the Notes issued by such Issuer;
"Trustee Acts" means both the Trustee Act 1925 and the Trustee Act 2000 of
England and Wales;
"Underwriters" means, in relation to the US Notes issued by the Current
Issuer, Barclays Capital, Inc., Citigroup Global Markets Limited, Deutsche
Bank Securities Inc., HSBC Bank plc, J.P. Morgan Securities Inc., Lehman
Brothers Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated and UBS
Limited;
"US Notes" means, in relation to the Current Issuer, the Series 1 Notes;
"US Paying Agent" means Citibank N.A. acting through its New York office as
paying agent in the United States of America;
"Variable Rate Ratio" has the meaning given to it in the Current Issuer Basis
Rate Swap Agreement;
"Variable Rate Spread" has the meaning given to it in the Current Issuer Basis
Rate Swap Agreement;
"Variable Rate Swap SVR" has the meaning given to it in the Current Issuer
Basis Rate Swap Agreement; and
"Weighted Average Fixed Rate" has the meaning given to it in the Current
Issuer Basis Rate Swap Agreement.
2. Interpretation and Construction
Any reference in this Issuer Master Definitions Schedule or any Transaction
Document to:
"agreed form" means, in relation to any document, the draft of that
document the form of which has been agreed between the parties
thereto (or if such document is delivered pursuant to another
Transaction Document, between the parties to such Transaction
Document) and initialled on their behalf for the purpose of
identification;
the "assets" of any person shall be construed as a reference to the
whole or any part of its business, undertakings, property,
intellectual property, shares, securities, debts, accounts, revenues
(including any right to receive revenues), goodwill, shareholdings
and uncalled capital including premium whether now or hereafter
acquired and any other assets whatsoever;
"disposal" shall be construed as any sale, lease, transfer,
conveyance, assignment, assignation, licence, sub-licence or other
disposal and "dispose" shall be construed accordingly;
the "assignment" of any Mortgage Loan shall be construed, in relation
to any Scottish Mortgage Loan and its Related Security, so as to
include the transfer of the beneficial interest therein and/or the
legal title thereto, and the terms "assign" and "assigned" shall in
that context be construed accordingly;
a "guarantee" means any guarantee, bond, indemnity, letter of credit,
third party security or other legally binding assurance against
financial loss granted by one person in respect of any indebtedness
of another person, or any agreement to assume any indebtedness of any
other
33
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;
a "wholly-owned subsidiary" of a company or corporation shall be
construed as a reference to any company or corporation which has no
other members except that other company or corporation and that other
company's or corporation's wholly-owned subsidiaries or persons
acting on behalf of that other company or corporation or its
wholly-owned subsidiaries; and
the "winding-up" or "administration" of a company or corporation
shall be construed so as to include any equivalent or analogous
proceedings under the law of the jurisdiction in which such company
or corporation is incorporated or any jurisdiction in which such
company or corporation carries on business including the seeking of
liquidation, winding-up, bankruptcy, reorganisation, dissolution,
administration, arrangement, adjustment, protection or relief of
debtors.
2.1 "(GBP)", "sterling", "Sterling" or "pounds sterling" denotes the
lawful currency for the time being of the United Kingdom of Great
Britain and Northern Ireland; "(euro)", "euro" or "Euro" denotes the
lawful currency for the time being of the member states of the
European Union that adopt the single currency introduced at the start
of the third stage of European Economic Monetary Union pursuant to
the Treaty of Rome of 25th March, 1957, establishing the European
Community as amended from time to time and as amended by, inter alia,
the Treaty of European Union of 7th February, 1992; "$", "US$", "US
dollars", "dollars" or "Dollars" denotes the lawful currency for the
time being of the United States of America.
34
2.2 In this Issuer Master Definitions Schedule and in any of the
Transaction Documents in which this Issuer Master Definitions
Schedule is expressed to be incorporated or to which this Issuer
Master Definitions Schedule is expressed to apply:
(a) words denoting the singular number only shall include the
plural number also and vice versa;
(b) words denoting one gender only shall include the other
genders;
(c) words denoting persons only shall include firms and
corporations and vice versa;
(d) references to any statutory provision shall be deemed also to
refer to any statutory modification or re-enactment thereof or
any statutory instrument, order or regulation made thereunder
or under any such re-enactment;
(e) references to any agreement or other document (including any
of the Transaction Documents) shall be deemed also to refer to
such agreement or document as amended, varied, supplemented or
novated from time to time;
(f) clause, paragraph and schedule headings are for ease of
reference only;
(g) reference to a statute shall be construed as a reference to
such statute as the same may have been, or may from time to
time be, amended or re-enacted to the extent such amendment or
re-enactment is substantially to the same effect as such
statute on the date hereof;
(h) unless stated otherwise reference to a time of day shall be
construed as a reference to London (GMT) time; and
(i) references to any person shall include references to his
successors, transferees and assigns and any person deriving
title under or through him.
2.3 Save as provided otherwise, where any obligation in a Transaction
Document is owed to more than one party that obligation is owed to
each of them separately and may be enforced by any of them.
2.4 Where a term is used but not defined in this Issuer Master
Definitions Schedule, that term shall have the meaning indicated in
the Master Definitions Schedule.
3. Governing Law
This Issuer Master Definitions Schedule is governed by, and shall be construed
in accordance with, the laws of England.
35
SCHEDULE 1
STANDARD DOCUMENTATION
[TO BE UPDATED]
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 Sept 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
- ----------------------------------------------------------------------------------------------------------------
36
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
A19 Hard to beat - Mortgages - An Introduction MAR 1 1.10.97 From 1 Oct 1997 to Dec 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A20 Mortgages - A guide to costs - Hard to Beat MAR 2 1.10.97 From 1 Oct 1997 to Nov 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A21 Hard to Beat - Keeping the Benefits 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 From 17 Jun 1998 to Oct 1998
Northern Rock plc 17.6.98
- ----------------------------------------------------------------------------------------------------------------
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 From 8 Oct 1998 to Nov 1998
Northern Rock plc 8.10.98
- ----------------------------------------------------------------------------------------------------------------
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 From 5 Nov 1998 to Jan 1999
Northern Rock plc 5.11.98
- ----------------------------------------------------------------------------------------------------------------
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 From 13 Apr 1999 to Jun 1999
Northern Rock plc 13.4.99
- ----------------------------------------------------------------------------------------------------------------
A37 Mortgages - the details MAR 23/8958 From 16 Jun 1999 to Jan 2000
Northern Rock plc 16.6.99
- ----------------------------------------------------------------------------------------------------------------
A38 Mortgages - the costs MAR 244/8958 From 16 Jun 1999 to Jun 1999
Northern Rock plc 16.6.99
- ----------------------------------------------------------------------------------------------------------------
A39 Mortgages - the costs MAR 244/9115 From 28 Jun 1999 to Nov 1999
Northern Rock plc 28.6.99
- ----------------------------------------------------------------------------------------------------------------
A40 Mortgages - the costs MAR 244/9489 From 9 Nov 1999 to Jan 2000
Northern Rock plc 9.11.99
- ----------------------------------------------------------------------------------------------------------------
A41 Mortgages - the details MAR 235/9611 From 4 Jan 2000 to May 2000
Northern Rock plc 4.1.2000
- ----------------------------------------------------------------------------------------------------------------
37
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
A42 Mortgages - the costs MAR 244/9679 From 17 Jan 2000 to Mar 2000
Northern Rock plc 17.1.2000
- ----------------------------------------------------------------------------------------------------------------
A43 Be straight with me - Mortgage costs in black MAR 244/9815 From 4 Mar 2000 to Apr 2000
and 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 MAR 244/10029 From 27 Apr 2000 to Jan 2001
and 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 MAR 236/10198 From 28 Jun 2000 to Aug 2000
everyone and 28.6.2000
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A48 Give me a choice - Mortgage deals to suit MAR 236/10332 From 4 Aug 2000
everyone 4.8.2000
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A49 Give me the facts - Mortgage details explained MAR 235/10554 From Oct 2000 to Jan 2001
Northern Rock plc and 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 MAR 244/10868 From 10 Jan 2001 to Feb 2001
and white 10.1.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A52 Be straight with me - Mortgage costs in black MAR 244/10998 From 8 Feb 2001 to Apr 2001
and white 8.2.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A53 Be straight with me - Mortgage costs in black MAR 244/11170 From 5 Apr 2001 to May 2001
and white 5.4.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A54 Be straight with me - Mortgage costs in black MAR 244/11281 From 10 May 2001 to Aug 2001
and white 10.5.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A55 Be straight with me - Mortgage costs in black MAR 244/11592 From 2 Aug 2001 to Sep 2001
and white 2.8.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A56 Give me the facts MAR 235/11679 From 3 Sep 2001
Northern Rock plc 3.9.2001
- ----------------------------------------------------------------------------------------------------------------
A57 Be straight with me - Mortgage costs in black MAR 244/11592 From 3 Sep 2001 to Sep 2001
and white 3.9.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A58 Be straight with me - Mortgage costs in black MAR 244/11807 From 19 Sep 2001 to Oct 2001
and white 19.9.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A59 Be straight with me - Mortgage costs in black MAR 244/11855 From 4 Oct 2001 to Nov 2001
and white 4.10.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
38
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
A60 Be straight with me - Mortgage costs in black MAR 244/11973 From 8 Nov 2001
and white 8.11.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A61 Safe & Sure - Keeping the Benefits Once Your MAR 9/12119 From 12 Dec 2001
Mortgage Ends 12.12.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A62 Give me the facts MAR 235/12189 From 9 Jan 2002
Northern Rock plc 9.1.2002
- ----------------------------------------------------------------------------------------------------------------
A63 All you need to know about mortgages MAR 235/12275 From 21 Jan 2002
Northern Rock plc 21.1.2002
- ----------------------------------------------------------------------------------------------------------------
A64 Be straight with me - Mortgage costs in black MAR 244/12486 From 1 Apr 2002
and white 1.4.2002
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A65 All you need to know about mortgages MAR 235/12537 From 9 May 2002
Northern Rock plc 9.5.2002
- ----------------------------------------------------------------------------------------------------------------
A66 Be straight with me - Mortgage costs in black MAR 244/12539 From 9 May 2002
and white 9.5.2002
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A67 Be straight with me - Mortgage costs in black MAR 244/12859 From 26 Jul 2002
and white 26.7.2002
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A68 All you need to know about mortgages MAR 235/13039 From 10 Oct 2002
Northern Rock plc 10.10.2002
- ----------------------------------------------------------------------------------------------------------------
A69 I want a shorter mortgage, and I want MAR 617/13070 From 10 Oct 2002
guarantees - Mortgages Guaranteed Repayment 10.10.2002
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
A70 Be straight with me - Mortgage costs in black MAR 244/12123 From 10 Oct 2002
and 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 MAR 9/12337 Valid until further notice
once your mortgage is paid off 1.3.2003 1.2.2003
- ----------------------------------------------------------------------------------------------------------------
A78 Mortgage Deals to Suit Everyone - Update 18 MAR 236 Valid until further notice -
June 2003 18.6.2003 18.6.2003
- ----------------------------------------------------------------------------------------------------------------
A79 I want a Shorter Mortgage, and I want MAR 617/13538 Valid until further notice -
Guarantees 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
- ----------------------------------------------------------------------------------------------------------------
39
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
A81 I want to Buy to Let MAR 466/13927 Valid until further notice -
18.6.2003 18.6.2003
- ----------------------------------------------------------------------------------------------------------------
A82 Intermediaries - Mortgage Product Update - MAR 035 Valid until further notice -
No. 6 18.6.2003 18.6.2003
- ----------------------------------------------------------------------------------------------------------------
A83 Mortgage Costs in Black and White MAR 244/14005 Valid until further notice -
14.7.2003 14.7.2003
- ----------------------------------------------------------------------------------------------------------------
A84 Mortgage Deals to Suit Everyone - Update 14 MAR 236 Valid until further notice -
July 2003 14.7.2003 14.7.2003
- ----------------------------------------------------------------------------------------------------------------
A85 I want a Shorter Mortgage, and I want MAR 617/14008 Valid until further notice -
Guarantees 14.7.2003 14.7.2003
- ----------------------------------------------------------------------------------------------------------------
A86 I want to Buy to Let MAR 466/14007 Valid until further notice -
14.7.2003 14.7.2003
- ----------------------------------------------------------------------------------------------------------------
A87 What's it going to Cost? MAR 302 Valid until further notice -
14.7.2003 14.7.2003
- ----------------------------------------------------------------------------------------------------------------
A88 Intermediaries - Mortgage Product Update - MAR 035/14031 Valid until further notice -
No. 7 14.7.2003 14.7.2003
- ----------------------------------------------------------------------------------------------------------------
A89 Mortgage Costs in Black and White MAR 244/14055 Valid until further notice -
25.7.2003 25.7.2003
- ----------------------------------------------------------------------------------------------------------------
A90 Mortgage Deals to Suit Everyone - Update 25 MAR 236 Valid until further notice -
July 2003 25.7.2003 25.7.2003
- ----------------------------------------------------------------------------------------------------------------
A91 I want to Buy to Let MAR 466/14056 Valid until further notice -
25.7.2003 25.7.2003
- ----------------------------------------------------------------------------------------------------------------
A92 What's it going to Cost? MAR 302 Valid until further notice -
25.7.2003 25.7.2003
- ----------------------------------------------------------------------------------------------------------------
A93 Intermediaries - Mortgage Product Update - MAR 035/14031 Valid until further notice -
No. 8 25.7.2003 25.7.2003
- ----------------------------------------------------------------------------------------------------------------
A94 Mortgage Deals to Suit Everyone - Update 8 MAR 236 Valid until further notice -
August 2003 8.8.2003 8.8.2003
- ----------------------------------------------------------------------------------------------------------------
A95 I want to Buy to Let MAR 466/14133 Valid until further notice -
8.8.2003 8.8.2003
- ----------------------------------------------------------------------------------------------------------------
A96 What's it going to Cost? MAR 302 Valid until further notice -
8.8.2003 8.8.2003
- ----------------------------------------------------------------------------------------------------------------
A97 Intermediaries - Mortgage Product Update - MAR 035/14104 Valid until further notice -
No. 9 8.8.2003 8.8.2003
- ----------------------------------------------------------------------------------------------------------------
A98 All you need to know about mortgages MAR 235/13729 Valid until further notice -
1.5.2003 1.5.2003
- ----------------------------------------------------------------------------------------------------------------
A99 Intermediaries - Mortgage Product Update No. MAR 035/14201 Valid 9.9.2003
- ----------------------------------------------------------------------------------------------------------------
A100 Mortgage Deals to Suit Everyone - Update 9th MAR 236 Valid until further notice
September 2003 9.9.2003
- ----------------------------------------------------------------------------------------------------------------
A101 Intermediaries - Mortgage Product Update No. 11 MAR 035/14374 Valid 14.10.2003
- ----------------------------------------------------------------------------------------------------------------
A102 Mortgage Deals to Suite Everyone - Update 14th MAR 236 Valid until further notice
October 2003 14.10.2003
- ----------------------------------------------------------------------------------------------------------------
A103 Mortgage Costs in Black and White MAR 244/14379 Valid until further notice -
14.10.2003
- ----------------------------------------------------------------------------------------------------------------
B Mortgage Summary Information - Borrowers (i.e. given to Borrowers dealing
directly with Northern Rock)
- ----------------------------------------------------------------------------------------------------------------
B1 Update 18th September 2000 MAR 236 18.9.2000 From 18 Sept 2000
- ----------------------------------------------------------------------------------------------------------------
40
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
B2 Update 2nd October 2000 MAR 236 2.10.2000 From 02 Oct 2000
- ----------------------------------------------------------------------------------------------------------------
B3 Update 22nd November 2000 MAR 236 From 22 Nov 2000
22.11.2000
- ----------------------------------------------------------------------------------------------------------------
B4 Update 10th January 2001 MAR 236 10.1.2001 From 10 Jan 2001
- ----------------------------------------------------------------------------------------------------------------
B5 Update 1st February 2001 MAR 236 1.2.2001 From 01 Feb 2001
- ----------------------------------------------------------------------------------------------------------------
B6 Update 12th February 2001 MAR 236 12.2.2001 From 12 Feb 2001
- ----------------------------------------------------------------------------------------------------------------
B7 Update 22nd February 2001 MAR 236 22.2.2001 From 22 Feb 2001
- ----------------------------------------------------------------------------------------------------------------
B8 Update 6th April 2001 MAR 236 6.4.2001 From 06 Apr 2001
- ----------------------------------------------------------------------------------------------------------------
B9 Update 10th May 2001 MAR 236 10.5.2001 From 10 May 2001
- ----------------------------------------------------------------------------------------------------------------
B10 Update 22nd June 2001 MAR 236 22.6.2001 From 22 June 2001
- ----------------------------------------------------------------------------------------------------------------
B11 Update 2nd August 2001 MAR 236 2.8.2001 From 02 Aug 2001
- ----------------------------------------------------------------------------------------------------------------
B12 Update 3rd September 2001 MAR 236 3.9.2001 From 03 Sept 2001
- ----------------------------------------------------------------------------------------------------------------
B13 Update 19th September 2001 MAR 236 19.9.2001 From 19 Sept 2001
- ----------------------------------------------------------------------------------------------------------------
B14 Update 4th October 2001 MAR 236 4.10.2001 From 04 Oct 2001
- ----------------------------------------------------------------------------------------------------------------
B15 Update 5th December 2001 MAR 236 5.12.2001 From 05 Dec 2001
- ----------------------------------------------------------------------------------------------------------------
B16 Update 7th January 2002 MAR 236 7.1.2002 From 07 Jan 2002
- ----------------------------------------------------------------------------------------------------------------
B17 Update 15th January 2002 MAR 236 15.1.2002 From 15 Jan 2002
- ----------------------------------------------------------------------------------------------------------------
B18 Update 25th January 2002 MAR 236 25.1.2002 From 25 Jan 2002
- ----------------------------------------------------------------------------------------------------------------
B19 Update 9th February 2002 MAR 236 09.2.2002 From 9 Feb 2002
- ----------------------------------------------------------------------------------------------------------------
B20 Update 20th March 2002 MAR 236 20.3.2002 From 20 Mar 2002
- ----------------------------------------------------------------------------------------------------------------
B21 Update 10th May 2002 MAR 236 10.5.2002 From 10 May 2002
- ----------------------------------------------------------------------------------------------------------------
B22 Update 26th July 2002 MAR 236 26.7.2002 From 26 Jul 2002
- ----------------------------------------------------------------------------------------------------------------
B23 Update 7th August 2002 MAR 236 07.8.2002 From 7 Aug 2002
- ----------------------------------------------------------------------------------------------------------------
B24 Update 30th August 2002 MAR 236 30.8.2002 From 30 Aug 2002
- ----------------------------------------------------------------------------------------------------------------
B25 Update 21st October 2002 MAR 236 From 21 Oct 2002
21.10.2002
- ----------------------------------------------------------------------------------------------------------------
41
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
B26 Update 8th November 2002 MAR 236 From 8 Nov 2002
08.11.2002
- ----------------------------------------------------------------------------------------------------------------
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 MAR 466/14234 Valid until further notice
2003 09 Sep 2003
- ----------------------------------------------------------------------------------------------------------------
B31 Mortgages for Landlords - Update 14th October MAR 466/14380 Valid until further notice
2003 14 Oct 2003
- ----------------------------------------------------------------------------------------------------------------
C Mortgage Summary Information - Brokers (i.e. given to Borrowers dealing
directly with Northern Rock)
- ----------------------------------------------------------------------------------------------------------------
C1 Mortgage Update Regular editions from 17 Nov 1994
onwards
- ----------------------------------------------------------------------------------------------------------------
C2 Mortgage Update 9th December 1994 Dev 291 From 09 Dec 1994
- ----------------------------------------------------------------------------------------------------------------
C3 Mortgage Update 19th December 1994 Dev 291 From 19 Dec 1994
- ----------------------------------------------------------------------------------------------------------------
C4 Mortgage Update 11th January 1995 Dev 291 From 11 Jan 1995
- ----------------------------------------------------------------------------------------------------------------
C5 Mortgage Update 1st February 1995 Dev 291 From 01 Feb 1995
- ----------------------------------------------------------------------------------------------------------------
C6 Mortgage Update 24th March 1995 Dev 291 From 24 Mar 1995
- ----------------------------------------------------------------------------------------------------------------
C7 Mortgage Update 18th April 1995 Dev 291 From 18 April 1995
- ----------------------------------------------------------------------------------------------------------------
C8 Mortgage Update 17th May 1995 Dev 291 From 17 May 1995
- ----------------------------------------------------------------------------------------------------------------
C9 Mortgage Update 5th June 1995 Dev 291 From 05 Jun 1995
- ----------------------------------------------------------------------------------------------------------------
C10 Mortgage Update 19th June 1995 Dev 291 From 19 Jun 1995
- ----------------------------------------------------------------------------------------------------------------
C11 Mortgage Update 17th July 1995 Dev 291 From 17 Jul 1995
- ----------------------------------------------------------------------------------------------------------------
C12 Mortgage Update 1st September 1995 Dev 291 From 01 Sep 1995
- ----------------------------------------------------------------------------------------------------------------
C13 Mortgage Update 4th September 1995 Dev 291 From 04 Sep 1995
- ----------------------------------------------------------------------------------------------------------------
C14 Mortgage Update 16th October 1995 Dev 291 From 16 Oct 1995
- ----------------------------------------------------------------------------------------------------------------
C15 Mortgage Update 30th November 1995 Dev 291 From 30 Nov 1995
- ----------------------------------------------------------------------------------------------------------------
C16 Mortgage Update 13th December 1995 Dev 291 From 13 Dec 1995
- ----------------------------------------------------------------------------------------------------------------
C17 Mortgage Update 3rd January 1996 Dev 291 From 03 Jan 1996
- ----------------------------------------------------------------------------------------------------------------
C18 Mortgage Update 18th January 1996 Dev 291 From 18 Jan 1996
- ----------------------------------------------------------------------------------------------------------------
C19 Mortgage Update 25th January 1996 Dev 291 From 25 Jan 1996
- ----------------------------------------------------------------------------------------------------------------
C20 Mortgage Update 12th March 1996 Dev 291 From 12 Mar 1996
- ----------------------------------------------------------------------------------------------------------------
C21 Mortgage Update 22nd April 1996 Dev 291 From 22 Apr 1996
- ----------------------------------------------------------------------------------------------------------------
C22 Mortgage Update 10th June 1996 Dev 291 From 10 Jun 1996
- ----------------------------------------------------------------------------------------------------------------
C23 Mortgage Update 2nd September 1996 Dev 291 From 02 Sep 1996
- ----------------------------------------------------------------------------------------------------------------
C24 Mortgage Update 21st October 1996 Dev 291 From 21 Oct 1996
- ----------------------------------------------------------------------------------------------------------------
C25 Mortgage Update 11th November 1996 Dev 291 From 11 Nov 1996
- ----------------------------------------------------------------------------------------------------------------
C26 Mortgage Update 3rd January 1997 Dev 291 From 03 Jan 1997
- ----------------------------------------------------------------------------------------------------------------
C27 Mortgage Update 11th February 1997 Dev 291 From 11 Feb 1997
- ----------------------------------------------------------------------------------------------------------------
42
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
C28 Guide to Mortgages Dev 434 From 04 Apr 1997
- ----------------------------------------------------------------------------------------------------------------
C29 Mortgage Update Dev 435 From 04 Apr 1997
- ----------------------------------------------------------------------------------------------------------------
C30 Mortgage Update 28.5.97 Dev 435 From 28 May 1997
- ----------------------------------------------------------------------------------------------------------------
C31 Mortgage Update 9.6.97 Dev 435 From 09 Jun 1997
- ----------------------------------------------------------------------------------------------------------------
C32 Mortgage Update 25.6.97 Dev 435 From 25 Jun 1997
- ----------------------------------------------------------------------------------------------------------------
C33 Mortgage Update 11.8.97 Dev 435 From 11 Aug 1997
- ----------------------------------------------------------------------------------------------------------------
C34 Mortgage Update 3.9.97 Dev 435 From 03 Sep 1997
- ----------------------------------------------------------------------------------------------------------------
C35 Mortgage Update 17.9.97 Dev 435 From 17 Sep 1997
- ----------------------------------------------------------------------------------------------------------------
C36 Mortgage Update - Issue No 1 MAR 35 From 03 Nov 1997
- ----------------------------------------------------------------------------------------------------------------
C37 Mortgage Update - Issue No 2 MAR 35 From 12 Nov 1997
- ----------------------------------------------------------------------------------------------------------------
C38 Mortgage Update - Issue No 3 MAR 35 From 16 Dec 1997
- ----------------------------------------------------------------------------------------------------------------
C39 Mortgage Update - Issue No 5 MAR 35 From 29 Jan 1998
- ----------------------------------------------------------------------------------------------------------------
C40 Mortgage Update - Issue No 6 MAR 35 From 12 Feb 1998
- ----------------------------------------------------------------------------------------------------------------
C41 Mortgage Update - Issue No 7 MAR 35 From 01 Apr 1998
- ----------------------------------------------------------------------------------------------------------------
C42 Mortgage Update - Issue No 8 MAR 35 From 06 May 1998
- ----------------------------------------------------------------------------------------------------------------
C43 Mortgage Update - Issue No 9 MAR 35 From 17 Jun 1998
- ----------------------------------------------------------------------------------------------------------------
C44 Mortgage Update - Issue No 9 MAR 35 From 01 Jul 1998
- ----------------------------------------------------------------------------------------------------------------
C45 Mortgage Update - Issue No 10 MAR 35 From 08 Aug 1998
- ----------------------------------------------------------------------------------------------------------------
C46 Mortgage Update - Issue No 11 MAR 35 From 19 Sep 1998
- ----------------------------------------------------------------------------------------------------------------
C47 Mortgage Update - Issue No 12 MAR 35 From 08 Oct 1998
- ----------------------------------------------------------------------------------------------------------------
C48 Mortgage Update - Issue No 13 MAR 35 From 05 Nov 1998
- ----------------------------------------------------------------------------------------------------------------
C49 Mortgage Update - Issue No 14 MAR 35 From 07 Dec 1998
- ----------------------------------------------------------------------------------------------------------------
C50 Mortgage Update - Issue No 15 MAR 35 From 22 Jan 1999
- ----------------------------------------------------------------------------------------------------------------
C51 Mortgage Update - Issue No 16 MAR 35 From 04 Feb 1999
- ----------------------------------------------------------------------------------------------------------------
C52 Mortgage Update - Issue No 17 MAR 35 From 06 Mar 1999
- ----------------------------------------------------------------------------------------------------------------
C53 Mortgage Update - Issue No 18 MAR 35 From 13 Apr 1999
- ----------------------------------------------------------------------------------------------------------------
C54 Mortgage Update - Issue No 19 MAR 35 From 16 Jun 1999
- ----------------------------------------------------------------------------------------------------------------
C55 Mortgage Update - Issue No 20 MAR 35 From 28 Jul 1999
- ----------------------------------------------------------------------------------------------------------------
C56 Mortgage Update - Issue No 21 MAR 35 From 26 Aug 1999
- ----------------------------------------------------------------------------------------------------------------
C57 Together Flexible - Total Flexibility in One
Loan
- ----------------------------------------------------------------------------------------------------------------
C58 Mortgage Update - Issue No 22 MAR 35 From 09 Sep 1999
- ----------------------------------------------------------------------------------------------------------------
C59 Mortgage Update - Issue No 23 MAR 35 From 29 Sep 1999
- ----------------------------------------------------------------------------------------------------------------
C60 Mortgage Update - Issue No 24 MAR 35 From 09 Nov 1999
- ----------------------------------------------------------------------------------------------------------------
C61 Mortgage Update - Issue No 25 MAR 35 From 01 Dec 1999
- ----------------------------------------------------------------------------------------------------------------
C62 Mortgage Update - Issue No 26 MAR 35 From 04 Jan 2000
- ----------------------------------------------------------------------------------------------------------------
C63 Mortgage Update - Issue No 27 MAR 35 From 17 Jan 2000
- ----------------------------------------------------------------------------------------------------------------
C64 Mortgage Update - Issue No 28 MAR 35 From 10 Mar 2000
- ----------------------------------------------------------------------------------------------------------------
C65 Mortgage Update - Issue No 29 MAR 35 From 27 Apr 2000
- ----------------------------------------------------------------------------------------------------------------
C66 Mortgage Update - Issue No 30 MAR 35 From 07 Jun 2000
- ----------------------------------------------------------------------------------------------------------------
C67 Mortgage Update - Issue No 31 MAR 35 From 28 Jun 2000
- ----------------------------------------------------------------------------------------------------------------
C68 Mortgage Update - Issue No 32 MAR 35 From 04 Aug 2000
- ----------------------------------------------------------------------------------------------------------------
C69 Mortgage Update - Issue No 33 From 18 Sep 2000
- ----------------------------------------------------------------------------------------------------------------
43
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
C70 Mortgage Update - Issue No 34 From 02 Oct 2000
- ----------------------------------------------------------------------------------------------------------------
C71 Mortgage Update - Issue No 47 MAR035 From 08 Nov 2001
- ----------------------------------------------------------------------------------------------------------------
C72 Mortgage Update - Issue No 48 MAR035 From 05 Dec 2001
- ----------------------------------------------------------------------------------------------------------------
C73 Mortgage Update - Issue No 49 MAR035 From 07 Jan 2002
- ----------------------------------------------------------------------------------------------------------------
C74 Mortgage Update - Issue No 49 MAR035 From 16 Jan 2002
- ----------------------------------------------------------------------------------------------------------------
C75 Mortgage Update - Insert to be used in MAR035 From 16 Jan 2002
conjunction with Issue No 49
- ----------------------------------------------------------------------------------------------------------------
C76 Mortgage Update - Insert to be used in MAR035 From 16 Jan 2002
conjunction with Issue No 49
- ----------------------------------------------------------------------------------------------------------------
C77 Mortgage Update - Issue No 50 MAR035 From 23 Mar 2002
- ----------------------------------------------------------------------------------------------------------------
C78 Mortgage Update - Issue No 51 MAR035 From 10 May 2002
- ----------------------------------------------------------------------------------------------------------------
C79 Mortgage Update - dated 10 May 2002
- ----------------------------------------------------------------------------------------------------------------
C80 Mortgage Update - Issue No 52 MAR035 From 26 Jul 2002
- ----------------------------------------------------------------------------------------------------------------
C81 Mortgage Update - Issue No 53 MAR035 From 7 Aug 2002
- ----------------------------------------------------------------------------------------------------------------
C82 Mortgage Update - Issue No 54 MAR035 From 30 Aug 2002
- ----------------------------------------------------------------------------------------------------------------
C83 Mortgage Update - Issue No 55 MAR035 From 4 Sep 2002
- ----------------------------------------------------------------------------------------------------------------
C84 Mortgage Update - Issue No 56 MAR035 From 8 Oct 2002
- ----------------------------------------------------------------------------------------------------------------
C85 Mortgage Update - Issue No 57 MAR035 From 21 Oct 2002
- ----------------------------------------------------------------------------------------------------------------
C86 Mortgage Update - Issue No 58 MAR035 From 8 Nov 2002
- ----------------------------------------------------------------------------------------------------------------
C87 Mortgage Update - Issue No 59 MAR035 From 27 Nov 2002
- ----------------------------------------------------------------------------------------------------------------
C88 Intermediaries - Mortgage Product Update - MAR035 From 10 Jun 2003
Issue No 1
- ----------------------------------------------------------------------------------------------------------------
C89 Intermediaries - Mortgage Product Update - MAR035 From 8 Mar 2003
Issue No 2
- ----------------------------------------------------------------------------------------------------------------
D Mortgage Advice - Borrowers (i.e. given to Borrowers dealing
directly with Northern Rock)
- ----------------------------------------------------------------------------------------------------------------
D1 Mortgage Product Advice and Recommendation Valid September From Sep 2000
2000
- ----------------------------------------------------------------------------------------------------------------
E Offers of Advance
- ----------------------------------------------------------------------------------------------------------------
E1 Offer of Advance ADV6F/0396 From Mar 1996
(with General Conditions on reverse)
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
E2 Offer of Advance ADV6B/0300 From Mar 2000
(with General Conditions on reverse) In triplicate - white, blue and
Northern Rock plc green copies.
- ----------------------------------------------------------------------------------------------------------------
E3 Revised Offer of Loan [Northern Rock copy] From July 2001 - used in
Northern Rock plc conjunction with General
Conditions introduced
on same date - Most of
the content of the document
is variable and is specific to
individual customers/mortgage
products
- ----------------------------------------------------------------------------------------------------------------
F General Conditions (used on reverse of Offer of
Advance)
- ----------------------------------------------------------------------------------------------------------------
F1 General Conditions [ADV6/1094] From Oct 1994 to Jun 1995
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
44
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
F2 General Conditions ADV6/0695 From Jun 1995 to Jul 1995
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
F3 General Conditions ADV6/0795 From Jul 1995 to Jan 1996
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
F4 General Conditions ADV6/0196 From Jan 1996 to Dec 1996
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
F5 General Conditions ADV6/1296 From Dec 1996 to ?
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
F6 General Conditions ADV6B/1296 From Dec 1996 to Oct 1997
Northern Rock Building Society [Offer of Advance ADV6F/0396 on
the reverse]
- ----------------------------------------------------------------------------------------------------------------
F7 General Conditions ADV6B/1097 From Oct 1997 to Dec 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
F8 General Conditions ADV6B/1297 From Dec 1997 to Jan 1998
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
F9 General Conditions ADV6B/0198 From Jan 1998 to Jun 1998
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
F10 General Conditions ADV6B/0698 From Jun1998 to Jan 1999
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
F11 General Conditions ADV6B/0199 From Jan 1999 to Sep 1999
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
F12 General Conditions ADV6B/0999 From Sep 1999 to Mar 2000
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
F13 General Conditions ADV6B/0300 From Mar 2000
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
F14 Terms and Conditions - Applicant Copy OBA1/0900 on From Sep 2000
Northern Rock plc cover
OBA2/0900 on
reverse
- ----------------------------------------------------------------------------------------------------------------
F15 Terms and Conditions - Solicitor Copy OBS1/0900 on From Sep 2000
Northern Rock plc cover
OBS2/0900 on
reverse
- ----------------------------------------------------------------------------------------------------------------
F16 Terms and Conditions - Applicant Copy OBA1/0101 on From Jan 2001
Northern Rock plc cover
OBA2/0101 on
reverse
- ----------------------------------------------------------------------------------------------------------------
F17 Terms and Conditions - Solicitor Copy OBA1/0101 on From Jan 2001
Northern Rock plc cover
OBA2/0101 on
reverse
- ----------------------------------------------------------------------------------------------------------------
F18 General Conditions ADV282/ July 2001 From July 2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
F19 Product Transfer - General Conditions SB/T&C/FLEX/05/02 From May 2002
(Flexible)
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
F20 General Conditions [English and Scottish] ADV6/0695 Jun 1995
- ----------------------------------------------------------------------------------------------------------------
F21 General Conditions [English and Scottish] ADV6/0795 Jul 1995
- ----------------------------------------------------------------------------------------------------------------
F22 General Conditions [English and Scottish] ADV6/0196 Jan 1996
- ----------------------------------------------------------------------------------------------------------------
F23 General Conditions [English and Scottish] ADV6/1296 Dec 1996
- ----------------------------------------------------------------------------------------------------------------
45
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
F24 General Conditions [English and Scottish] ADV6/1097 Oct 1997
- ----------------------------------------------------------------------------------------------------------------
F25 General Conditions [English and Scottish] ADVB6/1297 Dec 1997
- ----------------------------------------------------------------------------------------------------------------
F26 General Conditions [English and Scottish] ADV6B/1297 Dec 1997
- ----------------------------------------------------------------------------------------------------------------
F27 General Conditions [English and Scottish] ADV6B/0198 Jan 1998
- ----------------------------------------------------------------------------------------------------------------
F28 General Conditions [English and Scottish] ADV6B/0698 Jun 1996
- ----------------------------------------------------------------------------------------------------------------
F29 General Conditions [English and Scottish] ADV6B/0199 Jan 1999
- ----------------------------------------------------------------------------------------------------------------
F30 General Conditions [English and Scottish] ADV6/0699 Jun 1999
- ----------------------------------------------------------------------------------------------------------------
F31 General Conditions [English and Scottish] ADV6/0300 Mar 2000
- ----------------------------------------------------------------------------------------------------------------
F32 Terms and Conditions [English and Scottish] OBA1/0900 Sep 2000
- ----------------------------------------------------------------------------------------------------------------
F33 Terms and Conditions [English and Scottish] OBA1/0900 Sep 2000
- ----------------------------------------------------------------------------------------------------------------
F34 Terms and Conditions [English and Scottish] OBA1/0101 Jan 2001
- ----------------------------------------------------------------------------------------------------------------
G Mortgage Conditions/Building Society Rules
- ----------------------------------------------------------------------------------------------------------------
G1 Rules of Northern Rock Building Society GEN 128/1.94 From 28 Apr 1992
- ----------------------------------------------------------------------------------------------------------------
G2 Mortgage Conditions 1995 ADV72 06/95 From Jun 1995
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
G3 Mortgage Conditions 1997 ADV 72 08/97 From Aug 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
G4 Mortgage Conditions 2001 ADV 276 07/2001 From Oct 2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
G5 Mortgage Offer General Conditions [English and ADV282/00701 Jul 2001
Scottish]
- ----------------------------------------------------------------------------------------------------------------
H Occupiers Undertakings
- ----------------------------------------------------------------------------------------------------------------
H1 Agreement and Undertaking scjh0404/stand ?
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
H2 Agreement and Undertaking (LIF)LIFE30 From Aug 1997
Northern Rock
- ----------------------------------------------------------------------------------------------------------------
H3 Agreement and Undertaking st/peps From Oct 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
H4 Agreement and Undertaking JAGO3/0500 From May 2000
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
H5 Agreement and Undertaking UNDERTAKE June From June 2000
Northern Rock plc 2000
- ----------------------------------------------------------------------------------------------------------------
I Miscellaneous Mortgage Documentation
- ----------------------------------------------------------------------------------------------------------------
I1 Mortgage of Life Policy SEC 16 /02.94 From Feb 1994
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
I2 Mortgage of Life Policy SEC 16 /06.95 From Jun 1995
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
I3 Valuations and Surveys - hard to beat DEV 125 From 19 Jun 1995
Northern Rock Building Society 19.6.1995
- ----------------------------------------------------------------------------------------------------------------
I4 Valuations and Surveys - hard to beat DEV 125 From 14 Aug 1995
Northern Rock Building Society 14.8.1995
- ----------------------------------------------------------------------------------------------------------------
I5 Guarantors Confirmation (Existing Borrowers) ADV 266.7/97 From Jul 1997
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
I6 Mortgage of Life Policy SEC 16T /10.97 From Oct 1997
Northern Rock Building Society/Northern Rock
plc
- ----------------------------------------------------------------------------------------------------------------
46
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
I7 Mortgage of Life Policy SEC 16 /10.97 From Oct 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
I8 Guarantors Confirmation (Existing Borrowers) ADV 266.10/97 From Oct 1997
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
I9 Guarantors Confirmation ADV 265.10/97 From Oct 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
I9(a) Guarantors Confirmation ADV 265.06/00 From Jun 2000
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
I10 Application for Transfer of Ownership of a MA 31/10.97 From Oct 1997
Mortgaged Property
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
I11 Notice of Assignment of Life Policy ADV 29 /11.99 From Nov 1999
- ----------------------------------------------------------------------------------------------------------------
I12 Individual Savers Account (ISA) Policy JAGO2/0500 From May 2000
Arrangements form
- ----------------------------------------------------------------------------------------------------------------
I13 Application for Transfer of Ownership of a MA 31/Feb.01 From Feb 2001
Mortgaged Property
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
I14 Deed of Guarantee SOL013/July 2001 From Jul 2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
I15 Guarantors Confirmation NRDGC 05/02 From May 2002 - This document is
Northern Rock plc only used by Northern Rock Direct
- ----------------------------------------------------------------------------------------------------------------
I16 Confirmation of Identity GASelfCert - Aug From Aug 2003
Northern Rock plc 2003
- ----------------------------------------------------------------------------------------------------------------
I17 Release and Re-assignment of Life Policy SEC 51/10.97 1 Oct 1997
[English And Scottish]
- ----------------------------------------------------------------------------------------------------------------
J Mortgage Origination and Completion -
Solicitors/Other Third Party Documentation
- ----------------------------------------------------------------------------------------------------------------
J1 Valuations and Surveys - Helping you ensure DEV 125 From 1 Oct 1992
your 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 - ADV 54 /05.96 From May 1996
Note to 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 - ADV 54 02.97 From Feb 1997
Note to Solicitors
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
47
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
J7 Changes of Ownership in Mortgaged Property - ADV 54 07.97 From Jul 1997
Note to Solicitors
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
J8 Report on Title and Funds Request (including MA55 /10.97 From Oct 1997
Instructions to Solicitors/Licensed
Conveyancers)
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
J9 Changes of Ownership in Mortgaged Property - ADV 54 10.97 From Oct 1997
Note to Solicitors
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
J10 Valuations and Surveys - hard to beat MAR 6 From 1 Oct 1997
Northern Rock plc 1.10.1997
- ----------------------------------------------------------------------------------------------------------------
J11 Report and Valuation for Mortgages 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
- ----------------------------------------------------------------------------------------------------------------
J18 Part 2 Instructions (in relation to the CML Offers of Advance issued from 01
Lenders' Handbook for England & Wales) Jun 2000[?]
- ----------------------------------------------------------------------------------------------------------------
J19 Certificate of Title JAGO4/0700 From Jul 2000
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
J20 Certificate of Title COT/0700 From Jul 2000
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
J21 Part 2 Instructions (in relation to the CML Offers of Advance issued from
Lenders' Handbook for England & Wales) late Summer 2000[?]
- ----------------------------------------------------------------------------------------------------------------
J22 Deeds Dematerialisation [Notice to 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 - ADV 54 11/00 From Nov 2000
Note to 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 (500+) 09.02
respect of loans exceeding (GBP)1,000,000
- ----------------------------------------------------------------------------------------------------------------
48
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
J28 Certificates of Title COT/1102 From Nov 2002
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
J29 Report and Valuation for Mortgage Purposes on ADV 155/07.03 From July 2003
behalf of Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
J30 Funds Release (Certificate of Title) for Rapid N/A 18 Jun 2001
Remortgages with Multiple Clients
[English And Scottish]
- ----------------------------------------------------------------------------------------------------------------
J31 Part 2 - Name of Mortgage Lender (CML Mortgage N/A 1 Oct 2002
Lender's Handbook for England and Wales)
- ----------------------------------------------------------------------------------------------------------------
J32 Part 2 - Name of Mortgage Lender (CML Mortgage N/A 1 Nov 2002
Lender's Handbook for England and Wales)
- ----------------------------------------------------------------------------------------------------------------
J33 Part 2 - Name of Mortgage Lender (CML Mortgage N/A 13 Oct 2003
Lender's Handbook for England and Wales)
- ----------------------------------------------------------------------------------------------------------------
J34 Memo from D. Maughan to C Jobe re. Unsecured N/A 13 Nov 2003
Business - Third Party Contracts (The Motley
Fool)
- ----------------------------------------------------------------------------------------------------------------
J35 Agreement between Northern Rock and The Motley N/A 5 Nov 2003
Fool re. Media Service (Advertising)
- ----------------------------------------------------------------------------------------------------------------
J36 Letter from Mortgage Next to Northern Rock re. 28 Aug 2003
- ----------------------------------------------------------------------------------------------------------------
J37 Procuration Fee Approval Form in relation to 26 Nov 2003
Moneyextra
- ----------------------------------------------------------------------------------------------------------------
J38 Procuration Fee Approval Form in relation to 27 Nov 2003
Traditional Intermediaries
- ----------------------------------------------------------------------------------------------------------------
J39 Northern Rock Intermediary Registration Form N/A N/A
- ----------------------------------------------------------------------------------------------------------------
J40 Northern Rock Standard Form Intermediary N/A N/A
Agreement
- ----------------------------------------------------------------------------------------------------------------
K Completion Documentation
- ----------------------------------------------------------------------------------------------------------------
K1 Schedule of Documents of Title SEC 28/11.94 From Nov 1994
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
K2 Schedule of Documents of Title SEC 28/01.96 From Jan 1996
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
K3 Schedule of Documents of Title SEC28 /10.97 From Oct 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
K4 Schedule of Documents of Title SEC 28/01.96 From Jan 1996
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
K5 Schedule of Documents of Title SEC28 /10.97 From Oct 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
K6 Schedule of Documents of Title JAGO1/0500 From May 2000
Northern Rock plc JAGO1B/0500
- ----------------------------------------------------------------------------------------------------------------
K7 Deeds Schedule SODT/0201 From Feb 2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
49
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
K8 Completion Advice A146F - Completions advices are in a
Northern Rock plc representative flexible format - content is
sample variable depending upon
circumstances of loan and product
applied for. Permutations are
vast and it is impractical to
maintain an archive of each
scenario.
- ----------------------------------------------------------------------------------------------------------------
K9 Additional Advance Cheque Request ADV 133 01/94 From Jan 1994
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
K10 Re-Advance/Further Advance Receipt SEC 37 /10.97 From Oct 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
K11 Additional Advance Funds Request ADV 271 /10.97 From Oct 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
K12 Additional Advance Funds Request ADV 271 1/98 From Jan 1998
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
K13 Additional Advance Funds Request AAFR/0802 From Aug 2002
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
K14 Additional Advance Funds Request
- ----------------------------------------------------------------------------------------------------------------
Part 2 Documents Used Only in the Origination of
Standard Fixed Rate, Standard Variable Rate, Cashback, Capped, Tracker,
CAT Standard, Discount and Discount for Life Mortgages
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
L Mortgage Application Forms - General
- ----------------------------------------------------------------------------------------------------------------
L1 Mortgage Application Form ADV 4. 05/95 From May 1995 to Mar 1996
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
L2 Mortgage Application Form ADV 4. 03/96 From Mar 1996 to Jul 1997
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
L3 Mortgage Application Form ADV 4. 07/97 From Jul 1997 to Oct 1997
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
L4 Mortgage Application Form ADV 4. 10/97 From Oct 1997 to Dec 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L5 Mortgage Application Form ADV 4. 12/97 From Dec 1997 to Mar 1998
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L6 Mortgage Application Form ADV 4 DRTV 3/98 From Mar 1998 to Apr 1998
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L7 Mortgage Application Form ADV 4. 4/98 From Apr 1998 to Jan 1999
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L8 Mortgage Application Form ADV 4. 1/99 From Jan 1999 to Feb 2000
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L9 Mortgage Application Form ADV 4. 2/00 From Feb 2000 to Jun 2000
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L10 Mortgage Application Form ADV 4. 6/00 From Jun 2000 to Dec 2000
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L11 Mortgage Application Form ADV4. 12/00 From Dec 2000 to Jan 2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
50
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
L12 Mortgage Application Form ADV4. 01/01 From Jan 2001 to May 2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L13 Mortgage Application Form ADV4. 05/01 From May 2001 to Sept 2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L14 Mortgage Application Form ADV4. 09/01 From Sept 2001 to Oct 2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L15 Mortgage Application Form ADV4. 10/01 From Oct 2001 to Aug 2002
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
NB From this point onwards the Mortgage
Application Forms appear to also be used for the
Together/Together Connections products.
- ----------------------------------------------------------------------------------------------------------------
L16 Mortgage Application Form ADV4. 08.02 From Aug 2002 to Oct 2002
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L17 Mortgage Application Form ADV4. 10.02 From Oct 2002
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L18 Your Personal Quotation and Transfer Declaration 19 Sep 2002 (Sample re Mr and Mrs Kapke)
for a Flexible Fixed Rate
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L19 Your Personal Quotation and Transfer Declaration 19 Sep 2002 (Sample re Mr Mcparland and Miss
for a Together Mortgage Davis)
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L20 Mortgage Application Form ADV4.02.03 From Feb 2003
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
L21 Mortgage Application Form [Both English And ADV4. 04.03 Apr 2003
Scottish]
- ----------------------------------------------------------------------------------------------------------------
M Mortgage Application Forms - Northern Rock Direct
- ----------------------------------------------------------------------------------------------------------------
M1 Your Direct Mortgage Application Form Dev 439 4/97 From Apr 1997 to Oct 1997
Northern Rock Direct/Northern Rock Building
Society
- ----------------------------------------------------------------------------------------------------------------
M2 Your Direct Mortgage Application Form MAR 17b 1.10.97 From Oct 1997 to Dec 1997
Northern Rock Direct/Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
M3 Your Direct Mortgage Application Form MAR 17b 15.12.97 From Dec 1997 to May 1998
Northern Rock Direct/Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
M4 Your Direct Mortgage Application Form MAR 124 31 May From May 1998 to ?
Northern Rock Direct/Northern Rock plc 1998
- ----------------------------------------------------------------------------------------------------------------
N Application Forms - Specialist
- ----------------------------------------------------------------------------------------------------------------
N1 Secured Personal Loan Application Form ADV 31. 1/99 From Jan 1999
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
N2 Secured Personal Loan Application Form ADV031 From May 2000
Northern Rock plc (8.5.2000)
- ----------------------------------------------------------------------------------------------------------------
N3 Secured Personal Loan Application Form ADV031 From Oct 2001
Northern Rock plc (22.10.2001)
- ----------------------------------------------------------------------------------------------------------------
N4 Secured Personal Loan Application Form ADV031 From Aug 2002
Northern Rock plc (01.8.2002)
- ----------------------------------------------------------------------------------------------------------------
O Special Conditions for Fixed Rate Mortgages
(used with Offer of Advance)
- ----------------------------------------------------------------------------------------------------------------
O1 5 year Fixed Rate Mortgage AY From 15 Jul 1997
- ----------------------------------------------------------------------------------------------------------------
O2 5 year Fixed Rate Mortgage BA From 26 Jun 1997
- ----------------------------------------------------------------------------------------------------------------
51
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
O3 5 year Fixed Rate Mortgage BH From 03 Sep 1997
- ----------------------------------------------------------------------------------------------------------------
O4 5 year Fixed Rate Mortgage BQ From 17 Sep 1997
- ----------------------------------------------------------------------------------------------------------------
O5 5 year Fixed Rate Mortgage BS From 01 Jan 1997
[Query date - should be Nov?]
- ----------------------------------------------------------------------------------------------------------------
O6 5 year Fixed Rate Mortgage BT From 01 Nov 1997
[Other dates?]
- ----------------------------------------------------------------------------------------------------------------
O7 5 year Fixed Rate Mortgage CF From 22 Jan 1998
- ----------------------------------------------------------------------------------------------------------------
O8 5 year Fixed Rate Mortgage CJ From 01 Apr 1998
- ----------------------------------------------------------------------------------------------------------------
O9 5 year Fixed Rate Mortgage CK From 01 Apr 1998
- ----------------------------------------------------------------------------------------------------------------
O10 5 year Fixed Rate Mortgage CM From 06 May 1998
- ----------------------------------------------------------------------------------------------------------------
O11 5 year Fixed Rate Mortgage CP From 17 Jun 1998
- ----------------------------------------------------------------------------------------------------------------
O12 5 year Fixed Rate Mortgage CU From 01 Jul 1998
- ----------------------------------------------------------------------------------------------------------------
O13 5 year Fixed Rate Mortgage CZ From 08 Aug 1998
- ----------------------------------------------------------------------------------------------------------------
O14 5 year Fixed Rate Mortgage EA From 08 Aug 1998
- ----------------------------------------------------------------------------------------------------------------
O15 5 year Fixed Rate Mortgage EU From 22 Jan 1999
- ----------------------------------------------------------------------------------------------------------------
O16 5 year Fixed Rate Mortgage FD
- ----------------------------------------------------------------------------------------------------------------
O17 5 year Fixed Rate Mortgage FL From 13 Mar 1999
- ----------------------------------------------------------------------------------------------------------------
O18 5 year Fixed Rate Mortgage FM From 13 Apr 1999
- ----------------------------------------------------------------------------------------------------------------
O19 5 year Fixed Rate Mortgage FN From 13 Apr 1999
- ----------------------------------------------------------------------------------------------------------------
O20 5 year Fixed Rate Mortgage FP From 23 Apr 1999
- ----------------------------------------------------------------------------------------------------------------
O21 5 year Fixed Rate Mortgage KZ From 29 Nov 1999
- ----------------------------------------------------------------------------------------------------------------
O22 2 year Fixed Rate Mortgage From 9 Jan 2003
- ----------------------------------------------------------------------------------------------------------------
O23 10 year Fixed Rate Mortgage from 9 Jan 2003
- ----------------------------------------------------------------------------------------------------------------
O24 15 year Fixed Rate Mortgage from 9 Jan 2003
- ----------------------------------------------------------------------------------------------------------------
O25 Guaranteed Repayment Mortgage 10 year 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 9B From 03 Jan 1996
insurance
- ----------------------------------------------------------------------------------------------------------------
P3 Variable Rate Mortgage - Cashback without C5 From 11 Aug 1997
insurance [Query date - should be 1996?]
- ----------------------------------------------------------------------------------------------------------------
52
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
P4 Variable Rate Mortgage - Cashback without C7 From 02 Sep 1996
insurance
- ----------------------------------------------------------------------------------------------------------------
P5 Variable Rate Mortgage - Cashback without C9 From 02 Sep 1996
insurance
- ----------------------------------------------------------------------------------------------------------------
P6 3 year Discounted Variable Rate Mortgage J9 and J0 From 25 Jun 1998
[Other dates ?]
- ----------------------------------------------------------------------------------------------------------------
P7 Variable Rate Mortgage - 5% Cashback P5 From 25 Jun 1997
[Other dates ?]
- ----------------------------------------------------------------------------------------------------------------
P8 Variable Rate Mortgage - 6% Cashback P6 From 03 Sep 1997
[Other date ?]
- ----------------------------------------------------------------------------------------------------------------
P9 Variable Rate Mortgage - Cashback 7P and 8P From 22 Jan 1998
- ----------------------------------------------------------------------------------------------------------------
P10 3 year Discounted Variable Rate Mortgage M1 to [M6 ?] From 22 Jan 1998
- ----------------------------------------------------------------------------------------------------------------
P11 Variable Rate Mortgage - Cashback S1 and S2 From 22 Jan 1998
- ----------------------------------------------------------------------------------------------------------------
P12 3 year Discounted Variable Rate Mortgage M7 and M8 From 01 Apr 1998
- ----------------------------------------------------------------------------------------------------------------
P13 Variable Rate Mortgage - Cashback S4 and S5 From 06 May 1998
- ----------------------------------------------------------------------------------------------------------------
P14 Variable Rate Mortgage - Cashback 7S From 10 Jun 1996
- ----------------------------------------------------------------------------------------------------------------
P15 Variable Rate Mortgage - Cashback 3T From 07 Dec 1998
[Other date?]
- ----------------------------------------------------------------------------------------------------------------
P16 Variable Rate Mortgage - Cashback 6T and 7T From 22 Jan 1999
[Other date?]
- ----------------------------------------------------------------------------------------------------------------
P17 Variable Rate Mortgage - 8%/7% Cashback GB and GC From 06 Mar 1999
- ----------------------------------------------------------------------------------------------------------------
P18 Variable Rate Mortgage - 8% Cashback GF From 13 Apr 1999
- ----------------------------------------------------------------------------------------------------------------
P19 Variable Rate Mortgage - 7% Cashback GG From 13 Apr 1999
- ----------------------------------------------------------------------------------------------------------------
P20 Variable Rate Mortgage - 7% Cashback GH From 13 Apr 1999
- ----------------------------------------------------------------------------------------------------------------
P21 Variable Rate Mortgage - 6% Cashback GI From 13 Apr 1999
- ----------------------------------------------------------------------------------------------------------------
P22 Variable Rate Mortgage - 8% Cashback GT From 16 Jun 1999
- ----------------------------------------------------------------------------------------------------------------
P23 Variable Rate Mortgage - 7% Cashback GU
- ----------------------------------------------------------------------------------------------------------------
P24 Variable Rate Mortgage - 7% Cashback JG From 28 Jul 1999
- ----------------------------------------------------------------------------------------------------------------
P25 Variable Rate Mortgage - 6% Cashback JN From 29 Aug 1999
- ----------------------------------------------------------------------------------------------------------------
P26 Variable Rate Mortgage - 7% Cashback JQ From 29 Sep 1999
[Other dates?]
- ----------------------------------------------------------------------------------------------------------------
P27 Variable Rate Mortgage - 6% Cashback JR From 29 Sep 1999
[Other dates?]
- ----------------------------------------------------------------------------------------------------------------
P28 Variable Rate Mortgage - 5% Cashback JS From 29 Sep 1999
[Other dates?]
- ----------------------------------------------------------------------------------------------------------------
P29 Variable Rate Mortgage - 7% Cashback JU From 04 Jan 2000
- ----------------------------------------------------------------------------------------------------------------
P30 Variable Rate Mortgage 6% Cashback From 9 Jan 2003
- ----------------------------------------------------------------------------------------------------------------
Q Special Conditions for Tracker, CAT Standard,
Capped and Discount for Life Mortgages (used
with Offer of Advance)
- ----------------------------------------------------------------------------------------------------------------
Q1 Discount for Life Variable Rate Mortgage X9 and X0
- ----------------------------------------------------------------------------------------------------------------
Q2 Discount for Life Variable Rate Mortgage 1X and 2X
- ----------------------------------------------------------------------------------------------------------------
Q3 Discount for Life Variable Rate Mortgage 3X and 4X
- ----------------------------------------------------------------------------------------------------------------
Q4 Discount for Life Variable Rate Mortgage 5X and 6X
- ----------------------------------------------------------------------------------------------------------------
Q5 Discount for Life Variable Rate Mortgage 7X and 8X
- ----------------------------------------------------------------------------------------------------------------
53
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
Q6 Capped Variable Rate Mortgage CB
- ----------------------------------------------------------------------------------------------------------------
Q7 Discount for Life Variable Rate Mortgage L1 and L2
- ----------------------------------------------------------------------------------------------------------------
Q8 Discount for Life Variable Rate Mortgage L3 and L4
- ----------------------------------------------------------------------------------------------------------------
Q9 Discount for Life Variable Rate Mortgage L5 and L6
- ----------------------------------------------------------------------------------------------------------------
Q10 Discount for Life Variable Rate Mortgage L7 and L8
- ----------------------------------------------------------------------------------------------------------------
Q11 Discount for Life Variable Rate Mortgage 1L and 2L
- ----------------------------------------------------------------------------------------------------------------
Q12 Discount for Life Variable Rate Mortgage 3L and 4L
- ----------------------------------------------------------------------------------------------------------------
Q13 Discount for Life Variable Rate Mortgage 5L and 6L
- ----------------------------------------------------------------------------------------------------------------
Q14 4 year Capped Variable Rate Mortgage EG
- ----------------------------------------------------------------------------------------------------------------
Q15 4 year Capped Variable Rate Mortgage EF
- ----------------------------------------------------------------------------------------------------------------
Q16 4 year Capped Variable Rate Mortgage ER
- ----------------------------------------------------------------------------------------------------------------
Q17 Discount for Life Variable Rate Mortgage 8L
- ----------------------------------------------------------------------------------------------------------------
Q18 4 year Capped Variable Rate Mortgage EQ
- ----------------------------------------------------------------------------------------------------------------
Q19 4 year Capped Variable Rate Mortgage EQ
- ----------------------------------------------------------------------------------------------------------------
Q20 Equity Release Capped Variable Rate 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
- ----------------------------------------------------------------------------------------------------------------
54
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
Q46 3 year Flexible Fixed from 9 Jan 2003
- ----------------------------------------------------------------------------------------------------------------
Q47 5 year Flexible Fixed from 9 Jan 2003
- ----------------------------------------------------------------------------------------------------------------
Q48 Help with Costs Special Condition Wording (2
versions)
- ----------------------------------------------------------------------------------------------------------------
R Credit/Loan Agreements
- ----------------------------------------------------------------------------------------------------------------
R1 Credit Agreement Regulated by the Consumer ACR1A/1097 on From Oct 1997
Credit Act 1974 - Flexible Plan "Original"
("Original" and "Copy" versions each with ACR1B/1097 on
Conditions on the reverse) "Copy"
Northern Rock plc ACR1Z/1097 on
[Used for Flexible Plan Loans up to (GBP)25,000] "Conditions"
- ----------------------------------------------------------------------------------------------------------------
R2 Copy of Proposed Agreement Containing Your Right ACR1Z/1097 on From Oct 1997
to Withdraw - Flexible Plan "Conditions"
(including Conditions on the reverse)
Northern Rock plc
[Used for Flexible Plan Loans up to (GBP)25,000]
- ----------------------------------------------------------------------------------------------------------------
R3 Loan Agreement - Flexible Plan [ACR2A/1097 on From Oct 1997
(including Conditions on the reverse) "Original" / [Check reference of "Original"]
Northern Rock plc "Copy"?]
[Used for Flexible Plan Loans over (GBP)25,000] ACR2Z/1097 on
"Conditions"
- ----------------------------------------------------------------------------------------------------------------
R4 Credit Agreement Regulated by the Consumer ADV135 10/97 on From Oct 1997
Credit Act 1974 - Personal Secured Loan "Original" and
("Original" and "Copy" versions each with "Copy"
Conditions on the reverse) no ref on
Northern Rock plc "Conditions")
[Used for Personal Secured Loans up to
(GBP)25,000 - Variable Rate]
- ----------------------------------------------------------------------------------------------------------------
R5 Copy of Proposed Credit Agreement Containing ADV135 10/97 on From Oct 1998
Notice of Your Right to Withdraw - Personal "Advance Copy"
Secured Loan no ref on
("Advance Copy" version including Conditions on "Conditions")
the reverse)
Northern Rock plc
[Used for Personal Secured Loans up to
(GBP)25,000 - Variable Rate]
- ----------------------------------------------------------------------------------------------------------------
R6 Credit Agreement Regulated by the Consumer ADV135 10/97 on From Feb 1998
Credit Act 1974 - Personal Secured Loan "Original" and
("Original" and "Copy" versions each with "Copy"
Conditions on the reverse) ADV135 /02.98 on
Northern Rock plc "Conditions")
[Used for Personal Secured Loans up to
(GBP)25,000 - Variable Rate]
- ----------------------------------------------------------------------------------------------------------------
R7 Credit Agreement Regulated by the Consumer MAR 126 6/98 on From Jun 1998
Credit Act 1974 "Original" and
("Original" and "Copy" versions including "Copy" no ref on
Conditions on the reverse) "Conditions"
Northern Rock plc
[Used for Personal Secured Loans up to
(GBP)25,000 - Fixed Rate]
- ----------------------------------------------------------------------------------------------------------------
55
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
R8 Copy of Proposed Credit Agreement Containing MAR 126 6/98 on From Jun 1998
Notice of Your Right to Withdraw "Advance Copy"
("Advance Copy" version including Conditions on no ref on
the reverse) "Conditions"
Northern Rock plc
[Used for Personal Secured Loans up to
(GBP)25,000 - Fixed Rate]
- ----------------------------------------------------------------------------------------------------------------
R9 Copy of Proposed Agreement Containing Your Right ACR2A/1097 on From Mar 2000
to Withdraw - Flexible Plan "Original"
(including Conditions on the reverse) ACR2Z/0300 on
Northern Rock plc "Conditions"
[Used for Flexible Plan Loans up to (GBP)25,000]
- ----------------------------------------------------------------------------------------------------------------
R10 Credit Agreement Regulated by the Consumer MAR 126 4/00 on From Apr 2000
Credit Act 1974 "Original" no
("Original" version including Conditions on the ref on
reverse) "Conditions" Northern Rock plc
[Used for Personal Secured Loans up to
(GBP)25,000 - Fixed Rate]
- ----------------------------------------------------------------------------------------------------------------
R11 Credit Agreement Regulated by the Consumer CA135A/0900 on From Sep 2000
Credit Act 1974 "Original"
("Original" and "Copy" versions each with CA135B/0900 on
Conditions on the reverse) "Copy"
Northern Rock plc CA135Z/0900 on
[Used for Personal Secured Loans up to "Conditions"
(GBP)25,000 - Variable Rate]
- ----------------------------------------------------------------------------------------------------------------
R12 Copy of Proposed Agreement Containing Notice of CA135C/0900 on From Sep 2000
Your 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 CA126A/0900 on From Sep 2000
Credit Act 1974 "Original"
("Original" and "Copy" versions each with CA126B/0900 on
Conditions on the reverse) "Copy"
Northern Rock plc CA126Z/0900 on
[Used for Personal Secured Loans - "Conditions"
Variable Rate]
- ----------------------------------------------------------------------------------------------------------------
R14 Copy of Proposed Agreement Containing Notice of CA126C/0900 on From Sep 2000
Your 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 ACR1A/1000 on From Oct 2000
Credit Act 1974 - Flexible Plan "Original"
("Original" and "Copy" versions each with ACR1B/1097 on
Conditions on the reverse) "Copy"
Northern Rock plc ACR1Z/1097 on
[Used for Flexible Plan Loans up to (GBP)25,000] "Conditions"
- ----------------------------------------------------------------------------------------------------------------
56
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
R16 Loan Agreement - Flexible Plan ACR2B/1000 on From Oct 2000
("Original" version with Conditions on the "Original"
reverse) ACR2Z/1000 on
Northern Rock plc "Conditions"
[Used for Flexible Plan Loans over (GBP)25,000]
- ----------------------------------------------------------------------------------------------------------------
R17 Loan Agreement - Flexible Plan ACR2C/1000 on From Oct 2000
("Original" version with Conditions on the "Original"
reverse) ACR2Z/1000 on
Northern Rock plc "Conditions"
[Used for Flexible Plan Loans over (GBP)25,000]
- ----------------------------------------------------------------------------------------------------------------
R18 Credit Agreement Regulated by the CCA 1974 ADV13506/95 Jun 1995
(Personal Secured Loans) (with Terms and
Conditions attached)
- ----------------------------------------------------------------------------------------------------------------
R19 Loan Agreement (Flexible Plan) (with Terms and ADVCR2 Jul 1995
Conditions attached)
- ----------------------------------------------------------------------------------------------------------------
R20 Credit Agreement Regulated by the CCA 1974 ACR1 07/96 Jul 1996
(Flexible Plan) with Terms and Conditions
Attached
- ----------------------------------------------------------------------------------------------------------------
S Mortgage Deeds - General
- ----------------------------------------------------------------------------------------------------------------
S1 Mortgage Deed (HMLR filing ref MD 144 E) SEC 8/11.93 From Nov 1993
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
S2 Mortgage Deed (HMLR filing ref MD 144 F) SEC 8/06.95 From Jun 1995
Northern Rock Building Society
- ----------------------------------------------------------------------------------------------------------------
S3 Mortgage Deed (HMLR filing ref MD542A) SEC 8T /08.97 From Aug 1997
Northern Rock Building Society/
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
S4 Mortgage Deed (HMLR filing ref MD542A) SEC 8 /10.97 From Oct 1997
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
S5 Mortgage Deed (HMLR filing ref MD542B) SEC 8 /10.97 From Oct 1997
Northern Rock plc [Old logo]
- ----------------------------------------------------------------------------------------------------------------
S6 Mortgage Deed (HMLR filing ref MD542B) SEC 8 /10.97 From Oct 1997
Northern Rock plc [New logo]
- ----------------------------------------------------------------------------------------------------------------
S7 Mortgage Deed (HMLR filing ref MD691A) SEC 070 07/01 From July 2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
S8 Mortgage Deed - Standard SOL 11 07/01 From July 2001
(HMLR filing ref MD691D)
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
T Mortgage Deeds - Specialist
- ----------------------------------------------------------------------------------------------------------------
T1 Mortgage Deed (HMLR filing ref MD 144 G) SEC 54/06/95 From Jun 1995
Northern Rock Building Society
[Used for Flexible Plan - Non-CCA Loans]
- ----------------------------------------------------------------------------------------------------------------
T2 Mortgage Deed (relating to a Regulated Agreement SEC 52/06/95 From Jun 1995
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]
- ----------------------------------------------------------------------------------------------------------------
57
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
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 From Sep 2000
Northern Rock plc cover and
[Used for Flexible Plan - Non-CCA Loans] MD2B/0900 on
reverse
- ----------------------------------------------------------------------------------------------------------------
T11 Mortgage Deed (relating to a Regulated Agreement MD1/0900 on From Sep 2000
under the Consumer Credit Act 1974) cover and
(HMLR filing ref MD 542 M) MD1B/0900 on
Northern Rock plc reverse
[Used for Flexible Plan CCA Loans]
- ----------------------------------------------------------------------------------------------------------------
T12 Mortgage Deed (HMLR filing ref MD 542 N) MD3/0900 From Sep 2000
Northern Rock plc
[Used for Flexible Plan - Non-CCA Loans]
- ----------------------------------------------------------------------------------------------------------------
T13 Deed of Variation of Mortgage and Receipt for SOL005 09/00 From Sep 2000. Not used by
Further Advance (HMLR filing ref MD 542 X) further advance dept. Used by
Northern Rock plc product transfer dept. where
borrower is switching
product and increasing
borrowing at same time
(only used on older
forms of mortgage
conditions switching
from annual rest
mortgage to a daily
rest version).
- ----------------------------------------------------------------------------------------------------------------
T14 Deed of Variation of Mortgage and Receipt for SOL008 09/00 From Sep 2000. Not used by
Further Advance (HMLR filing ref MD 542 Y) further advance dept. Used by
Northern Rock plc product transfer dept. where
borrower is switching
product and increasing
borrowing at same time
(only used on older
forms of mortgage
conditions switching
from annual rest
mortgage to a daily
rest version).
- ----------------------------------------------------------------------------------------------------------------
58
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
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 2001From 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 MAR 273/9255 From Sep 1999
-all you need to know [Together Flexible] 15.9.99
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
U6 take control of your money and get more out of MAR 305/9511 From Dec 1999
life - 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
- ----------------------------------------------------------------------------------------------------------------
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
- ----------------------------------------------------------------------------------------------------------------
59
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
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 MAR 302 6.4.2001 From Apr 2001
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
- ----------------------------------------------------------------------------------------------------------------
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 MAR 302 10.5.2001 From May 2001
2001 [Together]
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
60
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
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 MAR 302 22.6.2001 From Jun 2001
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 MAR 302 2.8.2001 From Aug 2001
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 MAR 302 3.9.2001 From Sep 2001
September 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 MAR 302 19.9.2001 From Sep 2001
September 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
- ----------------------------------------------------------------------------------------------------------------
U55 Together what is it going to cost? 4th October MAR 302 4.10.2001 From Oct 2001
2001 [Together]
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
U56 What's it going to cost? [Together Connections] MAR 418/11706 From Oct 2001
Northern Rock plc 4.10.2001
- ----------------------------------------------------------------------------------------------------------------
61
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
U57 Together what is it going to cost? 8th November MAR 302 From Nov 2001
2001 [Together] 8.11.2001
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 MAR 302 From Dec 2001
2001 [Together] 5.12.2001
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 From Mar 2002
Northern Rock plc 20.3.2000
- ----------------------------------------------------------------------------------------------------------------
U65 Together - what's it going to cost [Together] MAR 302 From May 2002
Northern Rock plc 10.5.2002
- ----------------------------------------------------------------------------------------------------------------
U66 Together - what's it going to cost [Together] MAR 302 From Jul 2002
Northern Rock plc 26.7.2002
- ----------------------------------------------------------------------------------------------------------------
U67 Together - what's it going to cost [Together] MAR 302 From Aug 2002
Northern Rock plc 06.8.2002
- ----------------------------------------------------------------------------------------------------------------
U68 i want to shrink my mortgage [Together MAR 419/12891 From Aug 2002
Connections] 30.8.2002
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
U69 What's it going to cost? [Together Connections] MAR 418/11706 From Aug 2002
Northern Rock plc 30.8.2002
- ----------------------------------------------------------------------------------------------------------------
U70 Together - what's it going to cost [Together] MAR 302 From Aug 2002
Northern Rock plc 30.8.2002
- ----------------------------------------------------------------------------------------------------------------
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 From Oct 2002
Northern Rock plc 21.10.2002
- ----------------------------------------------------------------------------------------------------------------
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 From Nov 2002
Northern Rock plc 08.11.2002
- ----------------------------------------------------------------------------------------------------------------
U76 I want to shrink my mortgage MAR 625/13245 From 27 Nov 2002
[Connections]
- ----------------------------------------------------------------------------------------------------------------
U77 What's it going to cost? MAR 630/13245 From 27 Nov 2002
[Connections] 27.11.2002
- ----------------------------------------------------------------------------------------------------------------
U78 What's it going to cost? MAR 630/13499 From 10 Jan 2003
[Connections] 10.01.2003
- ----------------------------------------------------------------------------------------------------------------
U79 Together - what's it going to cost [Together] MAR 302 From 10 Jan 2003
Northern Rock plc 10.01.2003
- ----------------------------------------------------------------------------------------------------------------
62
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
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 203 Valid until further notice
14 Oct 2003
- ----------------------------------------------------------------------------------------------------------------
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 MAR271/9255 and From Sep 1999
Flexible 9/99
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
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 L16 appear to also be used for the
Together/Together Connections products.
- ----------------------------------------------------------------------------------------------------------------
W Together Credit/Loan Agreements
- ----------------------------------------------------------------------------------------------------------------
W1 Credit Agreement Regulated by the Consumer DDL1/0299 on From Feb 1999
Credit Act 1974 - Drawdown Loan -Original, Original
First and Second Copies (each with Terms and DDL2/0299 on
Conditions) First Copy
Northern Rock plc DDL3/0299 on
[Used for Together Flexible Loans up to Second Copy
(GBP)25,000] DDLB/0299 on
Conditions
- ----------------------------------------------------------------------------------------------------------------
W2 Credit Agreement Regulated by the Consumer TFCA1/1099 on From Oct 1999
Credit Act 1974 - Drawdown Loan - Original, Original [In conjunction with Together
First Copy and Second Copy TFCA2/1099 on Flexible Mortgages.
(each with Terms and Conditions) First Copy
Northern Rock plc TFCA3/1099 on
[Used for Together Flexible Loans Second Copy
up to (GBP)25,000] TFCAB/1099 on
Conditions
- ----------------------------------------------------------------------------------------------------------------
63
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
W3 Credit Agreement Regulated by the Consumer TFIX1/0200 on From Feb 2000
Credit Act 1974 - Together Fixed - Original, Original [In conjunction with Together
First Copy and Second Copy (each with Terms and TFIX2/0200 on Fixed Mortgages.]
Conditions on reverse) First Copy
Northern Rock plc TFIX3/0200 on
[Used for Together Fixed Loans Second Copy
up to (GBP)25,000] TFIXB/0200 on
Conditions
- ----------------------------------------------------------------------------------------------------------------
W4 Credit Agreement Regulated by the Consumer TVCA1/0200 on From Feb 2000
Credit Act 1974 - Together Variable - Original, Original [In conjunction with Together
First Copy and Second Copy (each with Terms and TVCA2/0200 on Variable Mortgages.]
Conditions on reverse) First Copy
Northern Rock plc [TVCA3/0200?] on
[Used for Together Variable Loans Second Copy
up to (GBP)25,000] TVCAB/0200 on
Conditions
- ----------------------------------------------------------------------------------------------------------------
W5 Credit Agreement Regulated by the Consumer TVCA1/0200 on From Jan 2001
Credit Act 1974 - Together Variable - Original, Original [In conjunction with Together
First Copy and Second Copy (each with Terms and TVCA2/0200 on Variable Mortgages.]
Conditions on reverse) First Copy
Northern Rock plc [TVCA3/0200?] on
[Used for Together Variable Loans Second Copy
up to (GBP)25,000] TVCAB/0101 on
Conditions
- ----------------------------------------------------------------------------------------------------------------
W6 Credit Agreement Regulated by the Consumer TVCA1/0200 on From May 2001
Credit Act 1974 - Together Variable - Original, Original [In conjunction with Together
First Copy and Second Copy (each with Terms and TVCA2/0200 on Variable Mortgages.]
Conditions on reverse) First Copy
Northern Rock plc [TVCA3/0200?] on
[Used for Together Variable Loans Second Copy
up to (GBP)25,000] TVCAB/0501 on
Conditions
- ----------------------------------------------------------------------------------------------------------------
W7 Credit Agreement Regulated by the Consumer TVCA1/0200 on From Aug 2001
Credit Act 1974 - Together Variable - Original, Original [In conjunction with Together
First Copy and Second Copy (each with Terms and TVCA2/0200 on Variable Mortgages.]
Conditions on reverse) First Copy
Northern Rock plc [TVCA3/0200?] on
[Used for Together Variable Loans Second Copy
up to (GBP)25,000] TVCAB/0801 on
Conditions
- ----------------------------------------------------------------------------------------------------------------
W8 Credit Agreement Regulated by the Consumer TVCA1/0200 on From Aug 2001
Credit Act 1974 - Together Variable - Original, Original [In conjunction with Together
First Copy and Second Copy (each with Terms and TVCA2/0200 on Variable Mortgages.]
Conditions on reverse) First Copy
Northern Rock plc [TVCA3/0200?] on
[Used for Together Variable Loans Second Copy
up to (GBP)25,000] TVCAB/1001 on
Conditions
- ----------------------------------------------------------------------------------------------------------------
W9 Credit Agreement Regulated by the Consumer CATC/0502 on From May 2002
Credit Act 1974 - Drawdown Loan -Original, Original, First
First and Second Copies (each with Terms and Copy, Second Copy
Conditions) and on Conditions
Northern Rock plc
[Used for Together Flexible Loans
up to (GBP)25,000]
- ----------------------------------------------------------------------------------------------------------------
64
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
W10 Credit Agreement Regulated by the Consumer ABTC/0802 on From Aug 2002
Credit Act 1974 - Together Fixed - Original, Original, First [In conjunction with Together
First Copy and Second Copy (each with Terms and Copy, Second Fixed Mortgages.]
Conditions on reverse) Copy and on
Northern Rock plc Conditions
[Used for Together Fixed Loans
up to (GBP)25,000]
- ----------------------------------------------------------------------------------------------------------------
W11 Credit Agreement Regulated by the Consumer TVCAB/0902 on From Sep 2002
Credit Act 1974 - Together Variable - Original, Original, First [In conjunction with Together
First Copy and Second Copy (each with Terms and Copy, Second Variable Mortgages.]
Conditions on reverse) Copy and on
Northern Rock plc Conditions
[Used for Together Variable Loans
up to (GBP)25,000]
- ----------------------------------------------------------------------------------------------------------------
W12 Credit Agreement Regulated by the Consumer 03/02 on From Mar 2002
Credit Act 1974 - Original, First Copy and Original, First
Second Copy Copy and Second
"MPU" Drawdown Loan Agreement Copy
Northern Rock plc CATC/0502 on
Conditions
- ----------------------------------------------------------------------------------------------------------------
W13 Credit Agreement Regulated by the Consumer From Aug 2002
Credit Act 1974 - Together Variable - Original,
First Copy and Second Copy
"MPU" Unsecured Loan Agreement
Northern Rock plc
[Incorporates "where applicable" Together
Connection Conditions]
- ----------------------------------------------------------------------------------------------------------------
W14 Credit Agreement Regulated by the Consumer TFWT/0703 From July 2003
Credit Act 1974 - Together Fixed with Tracker -
Original, First Copy, Second Copy and Terms and
Conditions
Northern Rock plc
[New version of Together Credit Agreement for
Fixed Rate with Follow on BOE Tracker - Product
first introduced 25.7.03. Runs alongside
existing Together (Variable & Fixed Rate
versions) Credit Agreement]
- ----------------------------------------------------------------------------------------------------------------
X Conditions for Together products
(including Together Connection Options - eg
Savings Account Applications/ Agreements etc)
- ----------------------------------------------------------------------------------------------------------------
X1 Together Variable - Credit Card Application [ ] From [ ]
(with Terms and Conditions on reverse) [In conjunction with Together
Northern Rock plc Variable Mortgages.
- ----------------------------------------------------------------------------------------------------------------
X2 Together Variable - Credit Card Application CV4/1000 From Oct 2000
(with Terms and Conditions on reverse) [In conjunction with Together
Northern Rock plc Variable Mortgages.
[REQUEST BETTER COPY]
- ----------------------------------------------------------------------------------------------------------------
X3 Northern Rock Credit Card Application Form MAR 151/M9C 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
- ----------------------------------------------------------------------------------------------------------------
65
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
X5 Northern Rock Mortgage Credit Card [CCL/80A/2] From Mar 2001
(with Terms and Conditions on reverse) (CCL/ATA/2
Northern Rock plc 15.3.2001 on
Conditions)
- ----------------------------------------------------------------------------------------------------------------
X6 together connections Save Direct Terms 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
- ----------------------------------------------------------------------------------------------------------------
X10(a) Together Connection Conditions MAR 631 From Nov 2002
Northern Rock plc 27.11.02
- ----------------------------------------------------------------------------------------------------------------
X11 Sample Special Conditions for Together From 30 Aug 2002
Connections Mortgage (incorporating Doc X4 by (including New Mortgage Product
reference) Statement of Requirements memo)
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
X12 Sample Special Conditions for Together Mortgage From 30 Aug 2002
(5 Year Flexible Tracker Rate) (including New Mortgage Product
Northern Rock plc Statement of Requirements memo)
- ----------------------------------------------------------------------------------------------------------------
X13 Together Connection Savings Options Form MAR 635/1.03 From Jan 2003
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
X14 Covering Letter to Borrower enclosing Together
Connections Options Docs X9 and X13
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
X15 Sample Covering Letter to Borrower regarding 31 Oct 2002 Mr P Livingstone and Miss C M
Completion of a Together Connections Loan Bell (App No 10374507)
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
X16 Sample Special Conditions for Together Variable from 9 Jan 2003
loans
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
X17 Sample Special Conditions for Together from 9 Jan 2003
Connections mortgage loans - 5 year discounted
tracker
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
X18 Sample Special Conditions for Together Fixed from 9 Jan 2003
mortgage loans - 2, 3, 5 and 7 year fixed
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
X19 Sample Special Conditions for Together from 9 Jan 2003
Exclusives Fixed mortgage loans -
2, 3, 5 and 7 year fixed
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
X20 Sample Special Conditions for Together from 9 Jan 2003
Exclusives mortgage loans
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
66
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
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 UE1/0700 From Jul 2000
purchase of property]
- ----------------------------------------------------------------------------------------------------------------
Z3 "Together" Flexible Loan Drawdown Loan
Agreement - Addendum to Instructions to
Solicitors/Licensed Conveyancers
(with Certificate of Solicitor/Licensed
Conveyancer on reverse)
- ----------------------------------------------------------------------------------------------------------------
Z4 "Together" Flexible Loan Drawdown Loan TFDA/0700 From Jul 2000
Agreement - Addendum to Instructions to
Solicitors/Licensed Conveyancers
(with Certificate of Solicitor/Licensed
Conveyancer on reverse)
- ----------------------------------------------------------------------------------------------------------------
Z5 "Together" Loan Drawdown Loan Agreement - TFDA/0501 From May 2001
Addendum to Instructions to Solicitors/Licensed
Conveyancers
(with Certificate of Solicitor/Licensed
Conveyancer on reverse)
- ----------------------------------------------------------------------------------------------------------------
Z6 Loan Drawdown Loan Agreement - Addendum to A2S/0502 From May 2002
Instructions to Solicitors/Licensed
Conveyancers
(refers to Together Connections Mortgages)
- ----------------------------------------------------------------------------------------------------------------
Z7 Drawdown Loan Agreement - Addendum to A2S/0702 From Jul 2002
Instructions to Solicitors/Licensed
Conveyancers
(refers to Together Connections Mortgages)
- ----------------------------------------------------------------------------------------------------------------
67
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 MAR 125/11038 From 21 Feb 2001
Rate 21.2.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
AA17 Let Me Plan Ahead - Secured Loans with a Fixed MAR 125/11216 From 6 Apr 2001
Rate 06.4.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
AA18 Let Me Plan Ahead - Secured Loans with a Fixed MAR 125/11815 From 19 Sept 2001
Rate 19.9.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
AA19 I Want to Plan Ahead - Secured Loans with a MAR 125/12507 From May 2002
Fixed 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
- ----------------------------------------------------------------------------------------------------------------
68
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
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 1995
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
- ----------------------------------------------------------------------------------------------------------------
AA42 Give me the figures - Secured Loan Costs in MAR 4/9668 From 4 Mar 2000
Black and White 04.3.2000
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
AA43 Give me the figures - Secured Loan Costs in MAR 4/11007 From 3 Mar 2001
Black and White 03.3.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
AA44 Give me the figures - Secured Loan Costs in MAR 4/11138 From 1 May 2001
Black and White 01.5.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
69
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
AA45 Give me the figures - Secured Loan Costs in MAR 4/11313 From 10 May 2001
Black and White 10.5.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
AA46 Give me the figures - Secured Loan Costs in MAR 4/11619 From 1 Sept 2001
Black and White 01.9.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
AA47 Give me the figures - Secured Loan Costs in MAR 4/11814 From 6 Oct 2001
Black and White 06.10.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
AA48 Give me the figures - Secured Loan Costs in MAR 4/12015 From 8 Nov 2001
Black and White 08.11.2001
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
AA49 Give me the figures - Secured Loan Costs in MAR 4/12449 From 1 Dec 2001
Black 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 - Dev. 181 Valid until further notice
Secured 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 - Dev. 181 Valid until further notice
Hard to Beat 12 Jun 95
- ----------------------------------------------------------------------------------------------------------------
AA57 Secured Personal Loans - The Fixed Sum Plan - Dev. 181 Valid until further notice
Hard to Beat 28 Nov 95
- ----------------------------------------------------------------------------------------------------------------
AA58 Deed of Variation of Mortgage and Receipt 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
- ----------------------------------------------------------------------------------------------------------------
AA58 Secured Personal Loans - A guide to costs - MAR 4/8748 Valid until further notice
Hard to Beat 1 Feb 99
- ----------------------------------------------------------------------------------------------------------------
AA59 Mortgage Deed (Flexible Plan) - 3 Copies MD1/0900 Sep 2000
- ----------------------------------------------------------------------------------------------------------------
AA60 Mortgage Deed (Flexible Plan) - 3 Copies MD3/0900 Sep 2000
- ----------------------------------------------------------------------------------------------------------------
AA61 Changes in Ownership of Mortgaged Property ADV54.11/00 Nov 2000
- ----------------------------------------------------------------------------------------------------------------
70
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
AA62 Pay Safe - Payment Protection MAR8/11165 Valid until further notice
1 May 2001
- ----------------------------------------------------------------------------------------------------------------
AA63 Re-Advance/Further Advance Receipt SEC37/07.01 Jul 2001
- ----------------------------------------------------------------------------------------------------------------
AA64 The Mortgage Code - You and your mortgage 03/02 Mar 2002
- ----------------------------------------------------------------------------------------------------------------
AA65 I want to plan ahead - Secured Loans with a MAR125/12507 Valid until further notice
Fixed Rate
4 May 2002
- ----------------------------------------------------------------------------------------------------------------
AA66 Tell a Friend about our Mortgages and MAR507/12836 Valid until further notice
(GBP)50 could be yours
Jul 2002
- ----------------------------------------------------------------------------------------------------------------
AA67 Insurance - I need you to be there sometimes MAR389/12950 Valid until further notice
Sep 2002
- ----------------------------------------------------------------------------------------------------------------
AA68 Loan Agreement (Flexible Plan) - 3 Copies ACR2Z/0103 Jan 2003
(ACR2A/1000,
ACR2B/1000,
ACR2C/1000)
- ----------------------------------------------------------------------------------------------------------------
AA69 Credit Agreement Regulated by the Consumer ACR1Z/0103 Jan 2003
Credit Act 1974 (Flexible Plan) - 3 Copies (ACR1A/1000,
ACR1B/1000,
ACR1C/1000)
- ----------------------------------------------------------------------------------------------------------------
AA70 Credit Agreement Regulated by Consumer Credit ACR3Z/0103 Jan 2003
Act 1974 - 3 Copies
- ----------------------------------------------------------------------------------------------------------------
AA71 Secured Loans Explained MAR3/13518 Valid until further notice
7 Feb 2003
- ----------------------------------------------------------------------------------------------------------------
AA72 Credit Agreement Regulated by the Consumer MD1/0900 19 Feb 2003
Credit Act 1974 (Omiga Flexible Plan) +
Mortgage Deed
- ----------------------------------------------------------------------------------------------------------------
AA73 Credit Agreement Regulated by the Consumer SEC54/04.98 19 Feb 2003
Credit Act 1974 (Omiga PSL Base) + Mortgage Deed
- ----------------------------------------------------------------------------------------------------------------
AA74 Credit Agreement Regulated by the Consumer SEC54/04.98 19 Feb 2003
Credit Act 1974 (Omiga PSL Fixed) + Mortgage
Deed
- ----------------------------------------------------------------------------------------------------------------
AA75 Secured Loans - Costs in Black and White MAR 4/14011 Valid until further notice
14 Jul 03
- ----------------------------------------------------------------------------------------------------------------
AA76 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS01/AG/*
re. Personal Secured Loan
- ----------------------------------------------------------------------------------------------------------------
AA77 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS02/AG/*
re. Loan Documents for Signature
- ----------------------------------------------------------------------------------------------------------------
71
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
AA78 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS03/AG/*
re. Personal Secured Loan
- ----------------------------------------------------------------------------------------------------------------
AA79 Pro-forma Letter from A Gadomski re. Further (PLN)/PERS04/AG/*
Advance
- ----------------------------------------------------------------------------------------------------------------
AA80 Form attached to (PLN)/PERS04/AG/* (PLN)/PERS05/AG/*
- ----------------------------------------------------------------------------------------------------------------
AA81 Pro-forma Letter from A Gadomski re. Personal (PLN)/PERS06/AG/*
Secured Loan
- ----------------------------------------------------------------------------------------------------------------
AA82 Pro-forma Letter from A Gadomski re. (PLN)/PERS06RA/AG/*
Personal Secured Loan
- ----------------------------------------------------------------------------------------------------------------
AA83 Pro-forma Letter from A Gadomski re. Personal (PLN)/PERS07/AG/*
Secured Loan
- ----------------------------------------------------------------------------------------------------------------
AA84 Pro-forma Letter from A Gadomski re. (PLN)/PERS08/AG/*
Postponement of Second Charge
- ----------------------------------------------------------------------------------------------------------------
AA85 Pro-forma Deed of Postponement (PLN)/PERS09
- ----------------------------------------------------------------------------------------------------------------
AA86 Pro-forma Deed of Postponement (PLN)/PERS10
- ----------------------------------------------------------------------------------------------------------------
AA87 Pro-forma Deed of Postponement (PLN)/PERS10A
- ----------------------------------------------------------------------------------------------------------------
AA88 Pro-forma Letter from A Gadomski re. (PLN)/PERS11/AG/*
Repayment of Loan
- ----------------------------------------------------------------------------------------------------------------
AA89 Pro-forma Letter from A Gadomski re. (PLN)/PERS11A/AG/*
Repayment of Loan
- ----------------------------------------------------------------------------------------------------------------
AA90 Pro-forma Letter from A Gadomski re. (PLN)/PERS12/AG/*
Application for Personal Secured Loan
- ----------------------------------------------------------------------------------------------------------------
AA91 Mortgage Deed (Relating to a Regulated MD2/0900 and
Agreement under the Consumer Credit Act 1974) MD2B/0900
- Original + 2 Copies
- ----------------------------------------------------------------------------------------------------------------
AA92 Credit Agreement regulated by the Consumer CA127Z/0900
Credit Act 1974 - Original + 2 Copies
- ----------------------------------------------------------------------------------------------------------------
AA93 Credit Agreement Regulated by the Consumer CA126Z/0103
Credit Act 1974 - Original + 2 Copies
- ----------------------------------------------------------------------------------------------------------------
AA94 Credit Agreement Regulated by the Consumer CA138Z/0900
Credit Act 1974 - Original + 2 Copies
- ----------------------------------------------------------------------------------------------------------------
AA95 Credit Agreement Regulated by the Consumer CA125Z/0102
Credit Act 1974 - Original + 2 Copies
- ----------------------------------------------------------------------------------------------------------------
AA96 Re-Advance/Further Advance Receipt (Omiga
Further Advance)
- ----------------------------------------------------------------------------------------------------------------
72
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
AA97 Deed of Variation of Mortgage and Receipt for
Further Advance (Omiga Further Advance)
- ----------------------------------------------------------------------------------------------------------------
AA98 English Flexible Plan Paragraphs
- ----------------------------------------------------------------------------------------------------------------
AA99 English PSL Paragraphs
- ----------------------------------------------------------------------------------------------------------------
AA100 Further Advance Paragraphs
- ----------------------------------------------------------------------------------------------------------------
AA101 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS13/AG/*
re. Offer of Further Advance
- ----------------------------------------------------------------------------------------------------------------
AA102 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS14/AG/*
re. Further Advance Application
- ----------------------------------------------------------------------------------------------------------------
AA103 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS15/AG/*
re. Further Advance Application
- ----------------------------------------------------------------------------------------------------------------
AA104 Pro-forma Letter from A Gadomski re. Further (PLN)/PERS16/AG/*
Advance
- ----------------------------------------------------------------------------------------------------------------
AA105 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS17/AG/*
re. Offer of Further Advance
- ----------------------------------------------------------------------------------------------------------------
AA106 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS18/AG/*
re. Further Advance Application
- ----------------------------------------------------------------------------------------------------------------
AA107 Pro-forma Letter from A Gadomski re. (PLN)/PERS19/AG/*
Postponement of Second Charge
- ----------------------------------------------------------------------------------------------------------------
AA108 Deed of Postponement (PLN)/PERS20
- ----------------------------------------------------------------------------------------------------------------
AA109 Deed of Postponement (PLN)/PERS21
- ----------------------------------------------------------------------------------------------------------------
AA110 Deed of Postponement (PLN)/PERS21A
- ----------------------------------------------------------------------------------------------------------------
AA111 Deed of Postponement (PLN)/PERS21A
- ----------------------------------------------------------------------------------------------------------------
AA112 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS22/AG/*
re. Further Advance
- ----------------------------------------------------------------------------------------------------------------
AA113 Pro-forma Letter from A Gadomski re. (PLN)/PERS22A/AG/*
Additional Advance
- ----------------------------------------------------------------------------------------------------------------
AA114 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS24AG/*
re. Personal Secured Loan, Further Advance
- ----------------------------------------------------------------------------------------------------------------
AA115 Pro-forma Letter from A Gadomski re. (PLN)/PERS25AG/*
Repayment of Loan
- ----------------------------------------------------------------------------------------------------------------
AA116 Pro-forma Letter from A Gadomski re. Personal (PLN)/PERS26AG/*
Secured Loan
- ----------------------------------------------------------------------------------------------------------------
AA117 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS28AG/*
re. Additional Advance Application
- ----------------------------------------------------------------------------------------------------------------
73
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
AA118 Pro-forma Letter from A Gadomski re. (PLN)/PERS30AG/*
Postponement of Second Charge
- ----------------------------------------------------------------------------------------------------------------
AA119 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS31AG/*
re. Redemption Figure Request
- ----------------------------------------------------------------------------------------------------------------
AA120 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS37AG/*
re. Application for Personal Secured Loan
- ----------------------------------------------------------------------------------------------------------------
AA121 Pro-forma Letter from A Gadomski re. Personal (PLN)/PERS39AG/*
Secured Loan
- ----------------------------------------------------------------------------------------------------------------
AA122 Form acknowledging receipt of advance (PLN)/PERS40
- ----------------------------------------------------------------------------------------------------------------
AA123 Form re. Certificate of Consent (PLN)/PERS41
- ----------------------------------------------------------------------------------------------------------------
AA124 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS50/AG/*
re. Release and Discharge
- ----------------------------------------------------------------------------------------------------------------
AA125 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS51/AG/*
re. Release and Discharge
- ----------------------------------------------------------------------------------------------------------------
AA126 Application for a Further Advance Loan (PLN)/PERS38/AG/*
- ----------------------------------------------------------------------------------------------------------------
AA127 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS52/AG/*
re. Personal Secured Loan
- ----------------------------------------------------------------------------------------------------------------
AA128 Pro-forma Letter from A Gadomski to Customer (PLN)/PERS53/AG/*
re. Personal Secured Loan
- ----------------------------------------------------------------------------------------------------------------
AA129 Deed of Postponement (PLN)/PERS21B
- ----------------------------------------------------------------------------------------------------------------
AA130 Deed of Postponement (PLN)/PERS10B
- ----------------------------------------------------------------------------------------------------------------
AA131 Pro-forma Letter from A Gadomski to Customer (PLN)/FLEX01/AG/*
re. Flexible Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA132 Pro-forma Letter from A Gadomski to Customer (PLN)/FLEX02/AG/*
re. Flexible Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA133 Pro-forma Letter from A Gadomski to Customer (PLN)/FLEX03/AG/*
re. Flexible Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA134 Application for Flexible Plan Loan (PLN)/FLEX04/SO/*
- ----------------------------------------------------------------------------------------------------------------
AA135 Pro-forma Letter from A Gadomski re. (PLN)/FLEX05/AG/*
Postponement of Second Charge
- ----------------------------------------------------------------------------------------------------------------
AA136 Deed of Postponement (PLN)/FLEX06
- ----------------------------------------------------------------------------------------------------------------
AA137 Deed of Postponement (PLN)/FLEX07
- ----------------------------------------------------------------------------------------------------------------
74
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
AA138 Deed of Postponement (PLN)/FLEX07A
- ----------------------------------------------------------------------------------------------------------------
AA139 Pro-forma Letter from A Gadomski re. (PLN)/FLEX08/AG/*
Repayment of Loan
- ----------------------------------------------------------------------------------------------------------------
AA140 Pro-forma Letter from A Gadomski re. (PLN)/FLEX08A/AG/*
Repayment of Loan
- ----------------------------------------------------------------------------------------------------------------
AA141 Pro-forma Letter from A Gadomski re. (PLN)/FLEX09/AG/*
Application from Borrower
- ----------------------------------------------------------------------------------------------------------------
AA142 Pro-forma Letter from A Gadomski re. Flexible (PLN)/FLEX10/AG/*
Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA143 Pro-forma Letter from A Gadomski re. Personal (PLN)/FLEX11/AG/*
Secured Loan
- ---------------------------------------------------------------------------------------------------------------
AA144 Extract from Title Deeds (PLN)/FLEX12/SO/*
- ----------------------------------------------------------------------------------------------------------------
AA145 Pro-forma Letter from A Gadomski to Customer (PLN)/FLEX13/AG/*
re. Flexible Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA146 Pro-forma Letter from A Gadomski re. Flexible (PLN)/FLEX14/AG/*
Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA147 Pro-forma Letter from A Gadomski re. Flexible (PLN)/FLEX14RA/AG/*
Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA148 Pro-forma Letter from A Gadomski re. Flexible (PLN)/FLEX15/AG/*
Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA149 Pro-forma Letter from A Gadomski re. Flexible (PLN)/FLEX15RA/AG/*
Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA150 Pro-forma Letter from A Gadomski re. Flexible (PLN)/FLEX16/AG/*
Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA151 Pro-forma Letter from A Gadomski to Customer (PLN)/FLEX24/AG/*
re. Flexible Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA152 Pro-forma Letter from A Gadomski re. Title (PLN)/FLEX25/AG/*
Deeds
- ----------------------------------------------------------------------------------------------------------------
AA153 Pro-forma Letter from A Gadomski re. Title (PLN)/FLEX25A/AG/*
Deeds
- ----------------------------------------------------------------------------------------------------------------
AA154 Pro-forma Letter from A Gadomski to Customer (PLN)/FLEX26/AG/*
re. Proposed Further Advance
- ----------------------------------------------------------------------------------------------------------------
AA155 Pro-forma Letter from A Gadomski to Customer (PLN)/FLEX27/AG/*
re. Flexible Plan Loan
- ----------------------------------------------------------------------------------------------------------------
75
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
AA156 Pro-forma Letter from A Gadomski re. Further (PLN)/FLEX26B/AG/*
Advance Loan
- ----------------------------------------------------------------------------------------------------------------
AA157 Pro-forma Letter from A Gadomski re. Further (PLN)/FLEX26A/AG/*
Advance Loan
- ----------------------------------------------------------------------------------------------------------------
AA158 Pro-forma Letter from A Gadomski re. Further (PLN)/FLEX25B/AG/*
Advance Loan
- ----------------------------------------------------------------------------------------------------------------
AA159 Pro-forma Letter from A Gadomski re. Property (PLN)/FLEX25C/AG/*
- ----------------------------------------------------------------------------------------------------------------
AA160 Pro-forma Letter from A Gadomski to Customer (PLN)/FLEX28/AG/*
re. Flexible Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA161 Pro-forma Letter from A Gadomski to Customer (PLN)/FLEX29/AG/*
re. Flexible Plan Loan
- ----------------------------------------------------------------------------------------------------------------
AA162 Deed of Postponement (PLN)/FLEX07B
- ----------------------------------------------------------------------------------------------------------------
AA163 Pro-forma Letter from A Gadomski to Customer (PLN)/FLEX26/AG/*
re. Proposed Further Advance
- ----------------------------------------------------------------------------------------------------------------
AA164 Certificate of Consent
- ----------------------------------------------------------------------------------------------------------------
AA165 Loan Agreement (Flexible Plan - Scotland) - 3 ACR4Z/0103
Copies
- ----------------------------------------------------------------------------------------------------------------
AA166 Omiga/BMA Branch Pack - For Your Reference
- ----------------------------------------------------------------------------------------------------------------
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 Advance (Scotland) further advance dept. Used by
Northern Rock plc product transfer dept. where
borrower is switching product and
increasing borrowing at same time
(only used on older forms of
mortgage conditions switching
from annual rest mortgage to a
daily rest version.
- ----------------------------------------------------------------------------------------------------------------
BB4 Help Me Buy to Let - Mortgages for Landlords MAR 466/11665 From 3 Sep 2001
Northern Rock plc 03.9.2001
- ----------------------------------------------------------------------------------------------------------------
76
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
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 & From 9 Jan 2003
Bingley Together Exclusives (Variable)
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
BB16 Sample Special Conditions for Bradford & From 9 Jan 2003
Bingley Together Exclusives Fixed mortgage
loans - 2, 3, 5 and 7 year fixed
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
BB17 Sample Special Conditions for Buy to Let 2 year From 9 Jan 2003
Fixed Rate
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
BB18 Sample Special Conditions for Buy to Let 1.5% 5 From 9 Jan 2003
year Tracker
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
BB19 Sample Wording - Buy to Let - Help With Costs
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
BB20 Sample Special Conditions for HERM Cashplus From 9 Jan 2003
Fixed and Capped/ Exclusive HERM Cashplus Fixed
and Capped/SIFA HERM Cashplus Fixed and Capped
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
BB21 Sample Special Conditions for HERM Standard From 9 Jan 2003
Fixed 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
- ----------------------------------------------------------------------------------------------------------------
77
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
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 Sept 2002
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
BB27 Confirmation of Identity 28 Jan 2003 From 28 Jan 2003
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
BB28 I need you to be there sometimes [insurance] MAR 389/12958 From Sept 2002
Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
Part 6 Documents Used Only in the Origination of
Connections Mortgages
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
CC Brochures
- ----------------------------------------------------------------------------------------------------------------
CC1 Connections - Current Account Terms and MAR 634/13347 Valid until further notice -
Conditions - 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 MAR 632/13363 Valid until further notice -
Mortgage 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
- ----------------------------------------------------------------------------------------------------------------
CC5 Connections - What's it going to Cost? MAR 630/13833 Valid until further notice -
18.6.2003 18.6.2003
- ----------------------------------------------------------------------------------------------------------------
CC6 Connections - What's it going to Cost? MAR 630/13833 Valid until further notice -
14.7.2003 14.7.2003
- ----------------------------------------------------------------------------------------------------------------
CC7 Connections - What's it going to Cost? MAR 630/13833 Valid until further notice -
25/7/2003 25.7.2003
- ----------------------------------------------------------------------------------------------------------------
CC8 Connections - What's it going to cost? MAR 630/13833 Valid until further notice
9 Sep 2003
- ----------------------------------------------------------------------------------------------------------------
CC9 Connections - What's it going to cost? MAR 630/13833 Valid until further notice
14 Oct 2003
- ----------------------------------------------------------------------------------------------------------------
DD Mortgage Application Forms
- ----------------------------------------------------------------------------------------------------------------
DD1
- ----------------------------------------------------------------------------------------------------------------
EE Connections Credit/Loan Agreements
- ----------------------------------------------------------------------------------------------------------------
EE1
- ----------------------------------------------------------------------------------------------------------------
78
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
FF Conditions for Connections products
(eg Savings Account Applications/ Agreements
etc)
- ----------------------------------------------------------------------------------------------------------------
FF1 Connections Conditions MAR 631 27.11.02
- ----------------------------------------------------------------------------------------------------------------
FF2
- ----------------------------------------------------------------------------------------------------------------
GG Mortgage Deeds
- ----------------------------------------------------------------------------------------------------------------
GG1
- ----------------------------------------------------------------------------------------------------------------
HH Supplementary Instructions to Solicitors
- ----------------------------------------------------------------------------------------------------------------
HH1
- ----------------------------------------------------------------------------------------------------------------
HH2
- ----------------------------------------------------------------------------------------------------------------
II Miscellaneous Mortgage Documents
- ----------------------------------------------------------------------------------------------------------------
II1 Connections Savings Options Form MAR 635/1.03 Jan 2003
- ----------------------------------------------------------------------------------------------------------------
II2 Memo re New Mortgage Product Statement of 11 Aug 2003
Requirements - Connections 7 Year Flexible
Discount Tracker
- ----------------------------------------------------------------------------------------------------------------
II3 Pro forma of Covering Letter to customers Ref: CUSTADMIN/JW 2 Sep 2003
enclosing Connections Pack
- ----------------------------------------------------------------------------------------------------------------
79
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 ADV 77/1/87 Jan 1987
Rights)
- ----------------------------------------------------------------------------------------------------------------
JJ2 Re-advance/Further Advance Receipt SEC 37/11/93 Nov 1993
- ----------------------------------------------------------------------------------------------------------------
JJ3 Additional Advance Cheque Request ADV 133. 01/94 Jan 1994
- ----------------------------------------------------------------------------------------------------------------
JJ4 Standard Security ADV 58. 01/94 Jan 1994
- ----------------------------------------------------------------------------------------------------------------
JJ5 Report on Title (Scotland) - 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 ADV 7/11.94 Nov 1994
Behalf of Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
JJ12 Deed of Postponement (relating to a Flexible FLEX06- 1995? 1995?
Plan Loan regulated by the Consumer Credit
Act 1974)
- ----------------------------------------------------------------------------------------------------------------
JJ13 Deed of Postponement (relating to a Flexible FLEX07- 1995? 1995?
Plan Loan regulated by the Consumer Credit
Act 1974)FLEX07- 1995?
- ----------------------------------------------------------------------------------------------------------------
JJ14 Deed of Postponement (relating to a Personal PERS09- 1995? 1995?
Secured Loan regulated by the Consumer Credit
Act 1974)
- ----------------------------------------------------------------------------------------------------------------
JJ15 Deed of Postponement (relating to a Personal PERS10- 1995? 1995?
Secured Loan regulated by the Consumer Credit
Act 1974)
- ----------------------------------------------------------------------------------------------------------------
JJ16 Deed of Postponement PERS20- 1995? 1995?
- ----------------------------------------------------------------------------------------------------------------
JJ17 Deed of Postponement PERS21- 1995? 1995?
- ----------------------------------------------------------------------------------------------------------------
JJ18 Fixed Sum Plan Application Form ADV 31/4.95 Apr 1995
- ----------------------------------------------------------------------------------------------------------------
JJ19 Credit Agreement Regulated by the Consumer Flexible Plan Jul 1995
Credit Act 1974 (Scotland) -
ADVCR3 07/95
- ----------------------------------------------------------------------------------------------------------------
JJ20 Loan Agreement - Flexible Plan (Scotland) ADVCR4 07/95 Jul 1995
- ----------------------------------------------------------------------------------------------------------------
JJ21 Credit Agreement Regulated by the Consumer ADV 138 09/95 Sep 1995
Credit Act 1974 (Personal Secured Loan)
- ----------------------------------------------------------------------------------------------------------------
JJ22 Assignation of Life Assurance Policy ADV 59. 09/95 Sep 1995
- ----------------------------------------------------------------------------------------------------------------
JJ23 Credit Agreement Regulated by the Consumer ADV 138 09/95 Sep 1995
Credit 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
- ----------------------------------------------------------------------------------------------------------------
80
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
JJ26 Consent by Non-Entitled Spouse ADV 64. /09.95 Sep 1995
- ----------------------------------------------------------------------------------------------------------------
JJ27 Postponed Standard Security SEC 53. 09/95 Sep 1995
- ----------------------------------------------------------------------------------------------------------------
JJ28 Standard Security ADV 58. 09/95 Sep 1995
- ----------------------------------------------------------------------------------------------------------------
JJ29 Deed of Postponement (relating to a Flexible (PLN)/FLEX07 - Oct 1995
Plan Loan regulated by the Consumer Credit 01/10/1995
Act 1974)
- ----------------------------------------------------------------------------------------------------------------
JJ30 Scottish Mortgage Conditions 1995 SEC33/0296 Feb 1996
- ----------------------------------------------------------------------------------------------------------------
JJ31 Report on Title (Scotland) 1995 ADV62/0596 May 1996
- ----------------------------------------------------------------------------------------------------------------
JJ32 Credit Agreement Regulated by the Consumer ADR3A-C/0796 July 1996
Credit Act 1974 - Flexible Plan (Scotland)
- ----------------------------------------------------------------------------------------------------------------
JJ33 Report on Title (Scotland) ADV62/0197 Jan 1997
- ----------------------------------------------------------------------------------------------------------------
JJ34 Guarantors Confirmation (Existing Borrowers) ADV266.7/97 July 1997
- ----------------------------------------------------------------------------------------------------------------
JJ35 Fixed Sum Plan Application Form ADV31/07.97 July 1997
- ----------------------------------------------------------------------------------------------------------------
JJ36 Flexible Plan Application Form ADV 156.07/97 July 1997
- ----------------------------------------------------------------------------------------------------------------
JJ37 Deed of Postponement (relating to a Personal (PLN)/PERS09- Oct 1997
Secured Loan regulated by the Consumer Credit 01/10/97
Act 1974)
- ----------------------------------------------------------------------------------------------------------------
JJ38 Deed of Postponement (relating to a Personal (PLN)/PERS10- Oct 1997
Secured Loan regulated by the Consumer Credit 01/10/97
Act 1974)
- ----------------------------------------------------------------------------------------------------------------
JJ39 Deed of Postponement (PLN)/PERS21- Oct 1997
01/10/1997
- ----------------------------------------------------------------------------------------------------------------
JJ40 Flexible Plan Application Form ADV156.10/97 Oct 1997
- ----------------------------------------------------------------------------------------------------------------
JJ41 Fixed Sum Plan Application Form ADV31.10/97 Oct 1997
- ----------------------------------------------------------------------------------------------------------------
JJ42 Guarantors Confirmation (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
- ----------------------------------------------------------------------------------------------------------------
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 ADV138.10.97 Oct 1997
Credit 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 ADV77/10.97 Oct 1997
Rights)
- ----------------------------------------------------------------------------------------------------------------
JJ55 Report and Valuation for Mortgage Purposes on ADV 7/10.97 Oct 1997
Behalf of Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
81
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
JJ56 Additional Advance Funds Request (Scotland) ADV 133./10.97 Oct 1997
- ----------------------------------------------------------------------------------------------------------------
JJ57 Instructions to Solicitors - For Flexible ADV 270. Oct 1997
Plan Loans Over (GBP)15,000 (Flexible Plan
over (GBP)15K
- Scotland)
10/97
- ----------------------------------------------------------------------------------------------------------------
JJ58 Instructions to Solicitors (Attaching Report ADV 136./10.97 Oct 1997
on 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 ADR3A-C/1097 Oct 1997
Credit 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 ADV 270.04.98 Apr 1998
Plan Loans 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 ADV 269a.05/98 May 1998
Sum Plan - Scotland)
- ----------------------------------------------------------------------------------------------------------------
JJ74 Credit Agreement Regulated by the Consumer MAR 127 Jun 1998
Credit Act 1974 (Personal Secured Loan) 01/06/98
- ----------------------------------------------------------------------------------------------------------------
JJ75 Credit Agreement Regulated by the Consumer ACR3A-C/0798 Jul 1998
Credit Act 1974 - Flexible Plan (Scotland)
- ----------------------------------------------------------------------------------------------------------------
JJ76 Instructions to Solicitors - ADV (Flexi - 137/ 01.07.98 Jul 1998
Under 25K - Scotland)
- ----------------------------------------------------------------------------------------------------------------
JJ77 Report and Valuation for Mortgage Purposes on ADV 7/12.98 Dec 1998
Behalf of Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
JJ78 Secured Personal Loan Application Form ADV 31. 1/99 Jan 1999
- ----------------------------------------------------------------------------------------------------------------
JJ79 Deed of Postponement (PLN)/PERS20 - Oct 1999
01/10/1999
- ----------------------------------------------------------------------------------------------------------------
JJ80 Report on Title (Scotland) ADV 62./11.99 Nov 1999
- ----------------------------------------------------------------------------------------------------------------
82
- ----------------------------------------------------------------------------------------------------------------
SABW Document Reference Usage period and notes
- ----------------------------------------------------------------------------------------------------------------
JJ81 Deed of Postponement (relating to a Personal (PLN)/PERS10A 2000?
Secured Loan regulated by the Consumer 2000?
Credit - Act 1974)
- ----------------------------------------------------------------------------------------------------------------
JJ82 Deed of Postponement (PLN)/PERS21A 2000?
- 2000?
- ----------------------------------------------------------------------------------------------------------------
JJ83 Deed of Postponement (relating to a Flexible (PLN)/FLEX07A 2000?
Plan Loan regulated by the - 2000?
Consumer Credit Act 1974)
- ----------------------------------------------------------------------------------------------------------------
JJ84 Secured Personal Loan Application Form ADV 031 May 2000
(8.5.2000)
- ----------------------------------------------------------------------------------------------------------------
JJ85 Consent by Non-Entitled Spouse ADV 64. /06.00 Jun 2000
- ----------------------------------------------------------------------------------------------------------------
JJ86 Affidavit (re: Matrimonial Home/Occupancy ADV77 /07.00 Jul 2000
Rights)
- ----------------------------------------------------------------------------------------------------------------
JJ87 Report on Title (Scotland) ROT/0800 Aug 2000
- ----------------------------------------------------------------------------------------------------------------
JJ88 Credit Agreement Regulated by the Consumer CA138B/0900 Sep 2000
Credit Act 1974
- ----------------------------------------------------------------------------------------------------------------
JJ89 Credit Agreement Regulated by the Consumer CA127 09/00 Sep 2000
Credit Act 1974
- ----------------------------------------------------------------------------------------------------------------
JJ90 Credit Agreement Regulated by the Consumer ACR3A-C/1000 Oct 2000
Credit 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
- ----------------------------------------------------------------------------------------------------------------
83
- ----------------------------------------------------------------------------------------------------------------
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 1 Aug 2001
031(1.8.2001)
- ----------------------------------------------------------------------------------------------------------------
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 - Jan 2003
Name of Mortgage Lender) - Date Last Amended
(1-Jan-2003)
- ----------------------------------------------------------------------------------------------------------------
JJ106 Credit Agreement Regulated by the Consumer CA127 01/03 Jan 2003
Credit Act 1974
- ----------------------------------------------------------------------------------------------------------------
JJ107 Credit Agreement Regulated by the Consumer 01/03 Jan 2003
Credit Act 1974
- ----------------------------------------------------------------------------------------------------------------
JJ108 Report and Valuation for Mortgage Purposes on ADV 7/07.03 Jul 2003
Behalf of Northern Rock plc
- ----------------------------------------------------------------------------------------------------------------
JJ109 Secured Personal Loan Application Form ADV 031 Aug 2003
(08.2003)
- ----------------------------------------------------------------------------------------------------------------
JJ110 Offer of Loan Oct 2003
- ----------------------------------------------------------------------------------------------------------------
JJ111 Together - Standard Security SOL002
- ----------------------------------------------------------------------------------------------------------------
JJ112 Schedule of Documents of Title (Scotland) SEC 7
(Pre 01/10/97)
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JJ113 Consent by Non-Entitled Spouse (Pre 09/95) ADV 64
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JJ114 Standard Security (Scottish Mortgage
Conditions 2001 apply)
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SIGNATORIES
SIDLEY AUSTIN BROWN & WOOD
By:
ALLEN & OVERY LLP
By:
84