I

DOHEREBYDECLAREasfollows:-_____________________________________________________________________________________

1. IntermsofaMortgageOfferdated (including any amendment thereto)Platform Funding Limited,whoseofficeisatNewtonHouse,CheadleRoad,Leek,StaffordshireST135RG hasagreedtoadvancetomealoanof£tobesecured(togetherwithanyfurtheradvanceswhichmaybe made)byaStandardSecurityoverthepropertyknownasandforming

_____________________________________________________________________________________2. Asatthedateofthisdeclarationthesaidpropertyisnotamatrimonialhomeinrelationtowhichaspouseofminehas occupancy rights, the expressions “matrimonial home” and “occupancy rights” having the meanings respectively ascribedtothembytheMatrimonialHomes(FamilyProtection)(Scotland)Act1981asamended,orafamilyhomein relationtowhichacivilpartnerofminehasoccupancyrights,theexpressions“familyhome”and“occupancyrights” havingthemeaningsrespectivelyascribedtothembytheCivilPartnershipAct2004asamended._____________________________________________________________________________________

SUBSCRIBEDbythe abovenamed

at

on

Signature

beforethiswitness

Signatureofwitness

Nameofwitness

Addressofwitness

AFFIDAVIT

PlatformP.O.Box3462,CheadleRoad,LeekST139BGDX16351(Leek)Telephone:08456007200

PlatformisatradingnameofPlatformHomeLoansLimitedandPlatformFundingLimitedwhoareauthorisedandregulatedbytheFinancialConductAuthority.BothareRegisteredinEngland&WalesNumber2334606.Registeredaddress:NewtonHouse,CheadleRoad,Leek,StaffordshireST135RG

LPHL02312/13

302637_BNA_LPHL023.indd 1 12/12/2013 08:11

TO: Platform Funding Limited DX 16351 (Leek)

CustomerAccountNumber: AnticipatedCompletionDate:

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

priortothecompletiondateshown.Shouldyoubeunabletogivefiveworkingdays’noticepleasetelephonetomake

specialarrangements.Pleasecompletefulldetailsasanyerrorsoromissionmayresultinadelayincompletion.

BORROWER(S) Fullname(s):

PROPERTY PropertyasshownonStandardSecurity:

Postcode

Absoluteownershipq Leaseholdq Ifleasehold,unexpiredtermoflease: years.

REGISTRATION - Please tick appropriate box

LandRegister q TitleNumber Sasineq FirstRegistrationq

BUILDINGS INSURANCE

PleaseconfirmifthecustomerishavingL&Ginsurance(Thiswillallowfora£30adminrefund):q

Pleaseconfirmpropertyisadequatelyinsured:q

RenewalDate:

TRANSACTION

Remortgageq Purchaseq IfPurchase,confirmedpurchaseprice: £

LoanAmount(includingfees): £

We,thefirmofsolicitorsspecifiedundertheheading“FundsTransfer”hereof,confirmthatPlatformFundingLimited(the

“Company”)maywarranttoanypersonsadvancingmoneytotheCompanyonthesecurityoftheStandardSecurityor

purchasingtheSecuritythatitisenforceableandalllegalformalitieshavebeencompliedwithtoprotecttheCompany’s

interestintheSecurity.Referencestothe“Company”,includeitssuccessorsandassigneeswhomsoever.

CERTIFICATE OF TITLE AND FUNDS TRANSFER REQUEST

PlatformPOBox3462,CheadleRoad,LeekST139BGDX16351(Leek)Telephone:08456007200

SCOTLANDTwocopiesareprovided-

oneforyourfile

302612_BNA_LPHL020.indd 1 07/01/2014 09:55

CERTIFICATE OF TITLE AND CERTIFICATIONSWecertifytotheCompanythat:

1. WehaveinvestigatedtitletothePropertyandmadeallnecessaryenquiriesandsearchesandconfirmthatthe BorrowerhasorwillacquiregoodandmarketabletitletothePropertywhichdoesorwillconstituteagoodSecurity.

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

3. AllrequirementsoftheCompany’sinstructionsaresatisfied.

4. ThedescriptionofthePropertygivenintheMortgageOfferortheCreditAgreementandintheCompany’s valuationofthePropertyiscorrect.TheassumptionsexpresslyreferredtointheCompany’svaluationonmatters ofthetitle,termsofanylease,area,boundaries,rights,encumbrancesandrestrictionsarecorrect.

5. WeconfirmthatalltherequirementsoftheMatrimonialHomes(FamilyProtection)(Scotland)Act1981asamendedhavebeencompliedwith.

6. Thesecertifications,theCertificateofTitleandtheundertakingsbelowareaddressedtoandwillbereliedonbytheCompanyanditssuccessorsintitleandanyonederivingtitlefromthemincluding,withoutprejudicetotherightsoftheCompanyanditssuccessors,anytrusteeonbehalfofanygroupofpersonsorcompaniesinterestedintheSecurity.

7. WehaveadutyofcaretotheCompany’ssuccessorsandthosederivingtitlefromthem.

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

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

UNDERTAKINGSWeundertake:1. NottopartwithanysumreceivedfromtheCompanyuntiltheSecurityandallothernecessarydocumentshave

beendulyexecutedandcompletedandtoapplysuchsumasisnecessaryintheacquisitionofgoodandmarketabletitletothePropertyand/orindischarginganyexistingSecurityoverthePropertyand/orindischarginganyotherindebtednessspecifiedbytheCompany(asthecasemayrequire).

2. ImmediatelyuponcompletionoftheSecuritytoserveonbehalfoftheCompanyallnoticesrequiredtobeservedpursuanttotheCompany’sinstructionstous.

3. ToholdthetitledeedstothePropertytotheCompany’sorderandtoforwardthesetotheCompanyassoonasallpost-completionmatterssetoutintheCompany’sinstructionshavebeencarriedout.

FUNDS TRANSFERWerequestthatfundsbetransferredtoourClientAccountasfollows:

Bank: Branch:

Accountno.: Sortcode:

Signed(asolicitor/conveyancerholdingacurrentpractisingcertificate):

ForandonbehalfofMessrs:

Nameofauthorisedsignatory(pleaseprint):

Dated: Reference(pleaseprint):

PlatformisatradingnameofPlatformHomeLoansLimitedandPlatformFundingLimitedwhoareauthorisedandregulatedbytheFinancialConductAuthority.BothareRegisteredinEngland&WalesNumber2334606.Registeredaddress:NewtonHouse,CheadleRoad,Leek,StaffordshireST135RG LPHL02001/2014

302612_BNA_LPHL020.indd 2 07/01/2014 09:55

PlatformPO Box 3462, Cheadle Road, Leek ST13 9BGDX 16351 (Leek)Telephone: 0845 600 7200

DEEDS SCHEDULE

Please do not forward any title documents until a copy of the register can be provided showing Platform hold

a first charge.

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

appropriate boxes.

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

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

Charge Certificate / Standard Security

Land Certificate / Disposition

Search

Buildings Insurance policy (copy - if appropriate)

(Platform Funding Limited’s interest endorsed)

Matrimonial Homes

Affidavit / Renunciation / Consent

New Home Warranty Certificates (if appropriate)

Other Documents (specify)

Mortgage Account Number: Date of Mortgage: Title Number:

Property Address (as in the Mortgage):

Postcode

Borrower:(Full Name(s))

308979_BNA_LPHL019_0214.indd 1 06/02/2014 10:21

THE SCHEDULE OF DEEDS AND DOCUMENTS

Date The Document The Parties

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

of (Address of Practice)

on (Date Schedule Completed)

Platform is a trading name of Platform Home Loans Limited and Platform Funding Limited who are authorised and regulated by the Financial Conduct Authority.

Both are Registered in England & Wales Number 2334606. Registered address: Newton House, Cheadle Road, Leek, Staffordshire ST13 5RG LPHL019 02/14

308979_BNA_LPHL019_0214.indd 2 06/02/2014 10:21

List 1: Proof of identity

• Currentvalidpassport(mustcontainEnglishtranslation)

• CurrentUKoldstyledrivinglicence(fulllicenceonly–oldstyleprovisionallicenceisnotacceptable)

• CurrentUKphotocarddrivinglicence(fullorprovisional)–counterpartnotrequired

• BenefitbookormostrecentletterfromtheBenefitsAgencyconfirmingtherighttobenefits(issuedwithinthelast6monthsorvalidforthecurrentyear)

• Firearmscertificate/shotgunlicence

List 2: Proof of Address

• Confirmationfromanelectoralregistersearchthatapersonofthatnamelivesatthataddress

not acceptable for products with free standard Legals

• Recentutilitybill(issuedwithinthelast6months)Mobilephonebillsarenotacceptable

• Mostrecentbank,buildingsocietyorcreditunionstatement,letterorpassbookcontainingcurrentaddress(issuedwithinthelast6months)Internetstatementsnotacceptable

• Mostrecentmortgagestatementfromarecognisedlender(issuedwithinthelast6monthsorvalidforthecurrentyear)

• BenefitsbookormostrecentnotificationfromtheBenefitsAgencyconfirmingtherighttobenefits(issuedwithinthelast6monthsorvalidforthecurrentyear)

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

• NorthernIrelandElectoralIDcard(nomorethan10yearsold)

• EU/EEAmemberstateIDphotocard.(UKIDcardsarenotacceptable)not acceptable for products with free standard Legals

• NationalIDcard(fornon-EEAforeignnationals)not acceptable for products with free standard Legals

• CurrentUKoldstyledrivinglicence(fulllicenceonly–oldstyleprovisionallicenceisnotacceptable)

• CurrentUKphotocarddrivinglicence(fullorprovisional)–counterpartnotrequired

• Localauthoritytaxbill(issuedwithinthelast6monthsorvalidforthecurrentyear)

• Localcounciltenancyagreementnot acceptable for products with free standard Legals

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

identity reQUireMents

CertifyinG doCUMentAtion

PlatformP.O.Box3462,CheadleRoadLeekST139BGTelephone:08450701999*DX16351(Leek)

• Ifyouhaveseentheapplicant(s)facetofaceyoumustprovideonedocumentfromList1andonedocumentfromList2foreachapplicant.

(AnyitemwhichisduplicatedinList1andList2,willonlybeacceptedasoneformofidentification)

• Ifyouhavenotseentheapplicant(s)facetofaceyoumustprovidetwodocumentsfromList1andonedocumentfromList2foreachapplicant.

(AnyitemwhichisduplicatedinList1andList2,willonlybeacceptedasoneformofidentification)

• Eachdocumentmustbeaphotocopyoftheoriginaldocument,andmustcontainthesignatureofthepersoncertifying.

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

• Ifyouhaveseentheapplicantfacetoface,andthedocumentincludesphotographicidentification,youmuststate‘Icertifythatthisisatruelikenessoftheapplicant’.

• MortgageIntroducerswhoarecertifyingdocumentationmustbeFCAauthorised.

• Aprofessionalperson(lawyers)coveredbymoneylaunderingregulationsmayalsocertifycopiesofidentificationdocuments.

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

PlatformisatradingnameofPlatformHomeLoansLimitedandPlatformFundingLimitedwhoareauthorisedandregulatedbytheFinancialConductAuthority.BothareregisteredinEngland&WalesNumber2334606.Registeredaddress:NewtonHouse,CheadleRoad,Leek,StaffordshireST135RG.*Telephonecallsmaybemonitored.Linesareopenbetween9amand5pmMondaytoWednesdayandFriday.LinesareopenonThursdaybetween10amand5pm.

PHL03412/13

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mortgage conditions(Scottish edition) 2011

platform funding limited

294156_BNA_MKT12215.indd 1 31/01/2014 16:34

Contents

Clause Page

Definitions 1

Interpretation 3

1. AgreementToPay 3

2. TheInterestRate 4

3. MonthlyPayments 5

4. EarlyRepayment 6

5. YourObligations 6

6. Insurance 7

7. FeesAndExpenses 8

8. OurRightsAndRemedies–OurRightToSellTheProperty 9

9. OurRightsAndRemedies–OurAdditionalPowers 9

10. OurRightsAndRemedies–PowersOfLeasing 10

11. RightsAndRemedies–YourGoods 10

12. OurRightsAndRemedies–Possession 10

13. TransferOrAssignationOfTheMortgage 10

14. ProtectionOfThirdParties 10

15. RelatedRights 11

16. AgreementToReimburseUs 11

17. FurtherAssurancesAndPowerOfAttorney 11

18. Miscellaneous 11

19. GeneralVariationofConditions 12

20. NoticesAndCommunications 12

21. ManagementCompany 12

22. RepaymentByUs 12

23. PartialInvalidity 12

24. StandardConditions 12

25. Law 13

26. IndependentLegalAdvice 13

27. FlexibleMortgages 13

AppendixA 14

TheseConditionsarelegallybindingonyouandincluderestrictionsandrequirementsconcerningtheuseofthepropertytobemortgaged.

YoushouldreadandunderstandtheConditionsandreferanyqueriestoyourindependentlegaladvisors.

294156_BNA_MKT12215.indd 2 31/01/2014 16:34

Contents

Clause Page

Definitions 1

Interpretation 3

1. AgreementToPay 3

2. TheInterestRate 4

3. MonthlyPayments 5

4. EarlyRepayment 6

5. YourObligations 6

6. Insurance 7

7. FeesAndExpenses 8

8. OurRightsAndRemedies–OurRightToSellTheProperty 9

9. OurRightsAndRemedies–OurAdditionalPowers 9

10. OurRightsAndRemedies–PowersOfLeasing 10

11. RightsAndRemedies–YourGoods 10

12. OurRightsAndRemedies–Possession 10

13. TransferOrAssignationOfTheMortgage 10

14. ProtectionOfThirdParties 10

15. RelatedRights 11

16. AgreementToReimburseUs 11

17. FurtherAssurancesAndPowerOfAttorney 11

18. Miscellaneous 11

19. GeneralVariationofConditions 12

20. NoticesAndCommunications 12

21. ManagementCompany 12

22. RepaymentByUs 12

23. PartialInvalidity 12

24. StandardConditions 12

25. Law 13

26. IndependentLegalAdvice 13

27. FlexibleMortgages 13

AppendixA 14

294156_BNA_MKT12215.indd 3 31/01/2014 16:34

PageOne

DEFINITIONS

“Act” meanstheConveyancingandFeudalReform(Scotland)Act1970.

“BankofEnglandBaseRate”meansthereporatedecidedbytheMonetaryPolicyCommitteeoftheBankofEnglandfromtimetotime.IfforanyreasonitisnotpossibletodeterminesuchratetheBankofEnglandBaseRatewillbesuchratewereasonablydecideisacomparablerateatthattime.

“BusinessDay”meansaday(otherthanaSaturday)onwhichbanksinLondongenerallyareopenfortransactingbusinessofthenaturerequiredforthepurposesoftheMortgage.

“Conditions”meanstheConditionsinthisdeedandtheStandardConditionsasvariedbytheMortgageandreferencetoaspecificConditionistotherelevantConditioninthisdeed.

“Costs”meansallcosts,fees,chargesandexpenseswhichmaybeincurredinconnectionwiththeMortgageasdescribedinCondition7.

“InterestPaymentDay”meansthedayofthemonthspecifiedinyouracceptanceoftheMortgageOfferasthedayyouwishtomakeyourMonthlyPayments,whichcanbenolaterthanthe28thofeachmonth,orasotherwiseadvisedbyusfromtimetotimeinaccordancewithCondition3.8.Youcanvarythisdayfromtimetotimebygivingusatleast30daysadvancewrittennotice.IfyouchangetheInterestPaymentDaytheninterestwillbedueandpayablewhichwillnotautomaticallybecollectedintheMonthlyPaymentfollowingthechange.

“InterestRate”meanstherateofinterestapplicabletosumsoutstandingundertheMortgageandcalculatedinaccordancewithCondition2A,2Bor2C(asspecifiedintheMortgageOffer).

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

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

“LoanAmount”meanstheamountoftheloanwhichweproposetomaketoyou,asspecifiedintheMortgageOffer,orasthecontextrequirestheamountofsuchloanoutstandingfromtimetotime.

“MonthlyPayment”meanstheMonthlyPaymentspecifiedbyusintheMortgageOfferasvariedfromtimetotime.

“Mortgage”meansthestandardsecurityovertheProperty,grantedbyyouassecurityfortherepaymentoftheSecuredAmounts,andwhichincorporatesandincludestheConditionsandtheMortgageOffer.

294156_BNA_MKT12215.indd 4 31/01/2014 16:34

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

“Property”shallincludeallpropertysecuredorintendedtobesecuredbyyoutousandalladditionsandotherthingson,andintendedtoformpartof,theProperty.

“RecalculationDate”meansthedatesonwhichtheInterestRatewillbere-setinaccordancewiththeMortgageOfferorsuchdatesasyouhaveotherwisebeenadvisedbyusfromtimetotimeinaccordancewithCondition3.8.

“SecuredAmounts”means:(a) theLoanAmountandanyfurtheradvanceoradvancesmadebyustoyou,orthebalanceineachcaseowedbyyou

tousfromtimetotime;

(b) interestpayableontheamountsreferredtoinparagraph(a);

(c) anyotheramountswhichareorwhichmaybecome,orareexpressedtobe,payablebyyoutousundertheprovisionsoftheMortgageoranysecuritywhichisadditionaltotheMortgageorunderanyotherdocumentcreatinganySecurityInterestinfavourofusinrelationtoyourobligationstous;and

(d) allothermoneyforthetimebeingduebyyoutouswhetherofprincipal,interestorotherwiseandwhetherincurredbyyouasprincipalandincludingmoneyduetouspursuanttotheMortgageOffer.

TheSecuredAmountsdonotincludeanymoniesorliabilitiesregulatedbytheConsumerCreditAct1974(asamendedbytheConsumerCreditAct2006),unlessyouagreeotherwisewithus.

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

“StandardConditions”meansthestandardConditionssetoutinSchedule3totheAct.

“StandardVariableRate”meansourstandardvariablerateofinterestwhichcanbechangedbyusatanytimeunderCondition2.

“TariffofCharges”meansourscheduleoffeesandchargesasamended,substitutedorreplacedfromtimetotime.

“We”and“Us”meansPlatformFundingLimitedanditssuccessors,assigneesandtransferees(whetherlegalorbeneficialorwhetherbyabsoluteassignmentorbywayofnovationorbywayofsecurityonly).

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

PageTwo

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INTERPRETATION

IntheMortgage:

(a) ReferencetoanyActofParliamentorotherlegislationisareferencetothatActorlegislationasfromtimetotimeamendedorre-enacted;

(b) Referencetoadocumentistothatdocumentasamended,substitutedorreplacedfromtimetotime;

(c) Thesingularincludesthepluralandviceversa;and

(d) Ifthereismorethanoneofyou,then:

(i) theConditionsapplytoallofyoutogetherandtoeachofyouonyourown.ThismeansthateachofyouisfullyresponsibleforcomplyingwithalloftheConditions;and

(ii) referencesto“you”intheConditionsaretoeitheroranyorallofyou,asthecontextrequires.

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

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

1.AGREEMENTTOPAY

1.1 Youagreeasfollows:

(a) YoushallpaytoustheMonthlyPaymentoneachInterestPaymentDayuntiltheSecuredAmountshavebeenrepaidinfull;

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

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

1.2 Youalsoagree:

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

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

(c) ThewholeoftheSecuredAmountsshallbeimmediatelydueandpayableinfull,withoutdemand,ifanyoftheeventsorcircumstancessetoutinCondition8occurs;

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

PageThree

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

(iv) prejudiceoraffectourpowertosellthePropertyoranyofourotherpowers;or(v) makeusliablefortheexerciseofanysuchpowerinanycasewherewewouldnothavebeenliableifthe

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

1.3 YoushallpayinteresttousontheLoanAmount(lessanyamountspecifiedbyusintheMortgageOfferasaretention)fromandincludingtheIssueDatetothedateofpaymentinfulloftheLoanAmount.InterestshallbepayableonanyamountoftheLoanAmountspecifiedintheMortgageOfferasaretentionfromthedateonwhichitissentbyustoyouoryoursolicitorsoranyotherpartyspecifiedbyyou.InterestshallaccrueattheInterestRateonadailybasisandshallbepaidonallSecuredAmountswhicharenotpaidontheduedate.

1.4 YoushallpaytousCostsintheamountsetoutintheTariffofChargeswhichmaybevariedinaccordancewiththecircumstancesasdescribedinCondition7.

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

1.6 WereservetherightnottoacceptanypaymentsfromyouundertheMortgageifwereasonablybelievethattheremaybefraudulentactivityorotherfinancialcrimeaffectingtheMortgage.

2.THEINTERESTRATE

2.1 TheMortgageOfferspecifiestheInterestRateapplicabletotheMortgageatthedateoftheMortgageOffer.

2.2 AchangeintheInterestRatewillresultinachangeintheMonthlyPaymentbythesecondInterestPaymentDayfollowingthechangeintheInterestRate.WeshallnotifyyouinwritingofchangesintheInterestRateandintheMonthlyPayments.

2A ChangestotheStandardVariableRate

2A.1 IftheInterestRateisourStandardVariableRatewemayvaryitatanytime(includingbeforeanyLoanAmountisreleased),forthefollowingreasons:

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

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

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

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

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

2B ChangestotheLiborlinkedrate

2B.1 IftheInterestRateislinkedtoLibor,theInterestRatewillbethehigherof:

(a) theLiborrateandtheratespecifiedintheMortgageOfferasthemargin(theMargin);and

(b) anyratespecifiedintheMortgageOfferasthefloor(theFloor).

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

2B.3 TheInterestRatewillbere-calculatedoneachRecalculationDate.

2C Changestobaseratelinkedrate

2C.1 IftheInterestRateislinkedtotheBankofEnglandBaseRate,theInterestRatewillbethehigherof:

(a) theBankofEnglandBaseRateandtheratespecifiedintheMortgageOfferasthemargin(theMargin);and

(b) anyratespecifiedintheMortgageOfferasthefloor(theFloor).

PageFour

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

2C.3 TheInterestRatewillbere-calculatedoneachRecalculationDate.

3.MONTHLYPAYMENTS

3.1 TheLoanAmount,interestandothersumspayabletousbyyouaretobepaidbyMonthlyPayments.AMonthlyPaymentshallbepaidoneachInterestPaymentDayandshallprovidefor:

(a) paymentofinterest;and

(b) paymentofothersumsduetous.

HowevertheamountofaccruedinterestwhichisdueandpayableinamonthmaybemoreorlessthantheamountofinterestthatisincludedintheMonthlyPaymentforthatmonth.

3.2 TheamountoftheMonthlyPaymentswillbeadjustedtotakeaccountofanychangestotheInterestRatebythesecondInterestPaymentDayfollowingthechangeintheInterestRate.InadditiontheamountoftheMonthlyPaymentmaybeincreasedorreducedatanytimeduringthetermoftheMortgagesoastotakeintoaccountanyadditionalamountwhichwemayrequiretobepaidtousinrespectofafurtheradvancemadetoyoubyussubjecttotheConditionsorsoastotakeintoaccountanyotheradjustmenttotheSecuredAmountsasisreasonablycontemplatedundertheseMortgageConditionsorifanychargesorfeesarepayable.

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

3.4 TheMonthlyPaymentmaybevariedbyusatanytimesoastobringittothenearestcompletesumof£1.00abovetheamountatwhichitstandsorwouldstandifcalculatedprecisely.

3.5 Fortheavoidanceofdoubtandwithoutprejudicetoanyofourotherrightsorremedieswemay,atouroptionbutwithpriorreasonablenoticetoyou,increasetheMonthlyPaymenttoprovideforincreasedrepaymentofcapitalthroughoutthetermoftheMortgageifwereasonablyconsiderthattheremaybenoorinsufficientfundsfortherepaymentoftheSecuredAmountsattheendofthetermoftheMortgage.

3.6 WewillgiveyouwrittennoticeofanychangeintheMonthlyPaymentorifanychargesorfeesarepayable.Ifyouarepayingbydirectdebit,noticeofachangeintheamountwhichwemaycollectunderthedirectdebitmandatewillbedeemedtobeawrittennoticeforthepurposeofthisCondition.

3.7 WhenyouredeemandrepayalloftheSecuredAmounts,yourlastMonthlyPaymentmadebeforeredemptionmaynotbeaclearedpaymentanditwillnotbeincludedinthecalculationoftheamountoftheSecuredAmountsoutstandingasatredemption.However,anamountequaltothatMonthlyRepaymentwillbereturnedtoyou10daysafteryourredemptionoftheMortgageifwearesatisfiedthatsuchMonthlyRepaymenthasbeenclearedandreceivedbyus.

3.8 Wehavetherighttochange:

(a) ourproceduresforcharginginterest,

(b) ourprocedureforcalculatingMonthlyPayments,

(c) theInterestPaymentDay,or

(d) theRecalculationDate

whereitisreasonabletodosoatanytimeforanyofthefollowingreasons:

a) totakeaccountofchangesintechnology;

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

c) ifitisnecessaryorprudentforustodosotooperateordevelopourbusiness.

Wewill,wherepracticable,giveyou3monthswrittennoticeofanyoftheabovechangesbeforetheycomeintoeffect.

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4.EARLYREPAYMENT

4.1 SecuredAmountsmayberepaidinwholeorinpartonanyBusinessDayeitherbyyou,atyour,discretion,orbyuswhenweexerciseourpowerofsaleunderCondition8.SuchSecuredAmountsmayberepaidprovidedthatyoupaytousanyapplicablechargeorfeesetoutineithertheMortgageOfferorourthenTariffofCharges.

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

4.3 If:

(a) theamountyoupaytousonanyInterestPaymentDayexceedstheamountofyourMonthlyPaymentoflessthan£1,000or

(b) youmakeearlyrepaymentofonlypartoftheSecuredAmountsoflessthan£1,000.

WewillnotrecalculateyourMonthlyPaymentuntilyourMonthlyPaymentnextchangesasaresultofachangetotheInterestRate.

4.4 WeshallapplyallrepaymentsmadeunderthisCondition4,toreducetheLoanAmountontheBusinessDaythatwereceivethemonies,orifapaymentismadebychequeafterwehavereceivedconfirmationofclearedfunds.AdeductionwillbemadeforanyfeeorchargepayablebyyouassetoutintheMortgageOfferorourthenTariffofCharges.

5.YOUROBLIGATIONS

5.1 Youagreethatyouwillnotdoanyofthefollowingwithoutourpriorwrittenconsent:

(a) CreateorallowtoexistanystandardsecurityoranyotherSecurityInterestupontheProperty;

(b) TransferorconveyalloranypartofthePropertytoanyperson(otherthanyou);

(c) AllowanyoneelsetoacquireanyrightsovertheProperty,grantanyleaseortenancyoftheProperty,giveanypersonanycontractualorotherlicenceorrighttooccupytheProperty,acceptthesurrenderofanyleaseorsharethePropertywithanyoneelse;

(d) DoorfailtodoonthePropertyanythingwhichwouldcontraveneanylegislationinforcerelatingtotownandcountryplanningorenvironmentallaws;

(e) UsethePropertyexceptasasingleprivatedwellinghouseandasyourprivateresidenceunlesswehavealreadygivenpermissionforanalternativeuseforthePropertyintheMortgageOffer;

(f) Applyfororobtainanimprovementgrantorothersimilargrant,makeanystructuralalterationsoradditionstothePropertyordemolishorremoveanythingwhichisintendedtoformpartoftheProperty,excepttoreplaceitwithsomethingsimilarofthesameorgreatervalue;

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

(h) Negotiate,waiveorsettleanyclaimforcompensation(whetherpayableunderanyenactmentorotherwise)inrespectofthecompulsoryacquisition,lossof,damageto,orreductioninvalueoftheProperty;

(i) ClosethecurrentaccountmaintainedbyyoufromwhichMonthlyPaymentsaremadeoralterthedirectdebitmandatetothebankorbuildingsocietyatwhichsuchaccountismaintainedormakeanyotheralterationstothemethodofpaymentagreedwithus;

(j) DoorfailtodoanythingwhichmightresultinthePropertybeingdamagedorreducedinvalueorallowanythingwhichmightdamagethePropertyorreduceitsvalue.

5.2 Youfurtheragreethatyouwilldoallofthefollowing:

(a) PromptlynotifyusinwritingifandwheneverthePropertyshallbeleftvacantforaperiodexceeding28days;

(b) PromptlynotifyusinwritingofanynoticeorinformationreceivedbyyouconcerninganyproposalforthecompulsoryacquisitionofthePropertyoranypartofit,oranyothermatterwhichmightadverselyaffectthevalueofthePropertyincluding,withoutlimitation,anyplanningapplicationand(atyourcost)totakeanyactionregardingthesameaswemayreasonablyrequire;

(c) KeepthePropertyingoodandsubstantialrepairandconditionandgooddecorativeorderandkeepthegardens(ifany)ingoodorderandproperlycultivated;

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(d) Performandobservealltitleconditions,stipulations,regulationsandagreementsaffectingtheProperty,includinganyobligationsunderanylease,licenceorotherdocumentunderwhichthePropertyisheldorused;

(e) ComplywithallstatutoryandotherrequirementsofallcompetentauthoritieswhichaffectorrelatetothePropertyandprovidewrittenevidenceofsuchcompliancetousonrequest;

(f) Punctuallypayalltaxes,rates,rentsandoutgoingsassessedorpayableonthePropertyorbytheowneroroccupierofthePropertyandtodischargeallliabilitieswhichrankormaycometorankinprioritytothesecuritycontainedintheMortgage;

(g) Allowus(andanypersonsauthorisedbyus)tohaveaccesstothePropertyatallreasonabletimesandafterreasonablenoticetocarryoutanysurveyorinspectionwhichwemayreasonablydecidetobenecessaryandtodoanyworkwhichyouhavefailedtodoinaccordancewithyourobligationsundertheConditions;

(h) WherewehaveretainedanyoftheLoanAmountuntilyoucompletespecifiedworkstotheProperty,carryoutandcompletethoseworkswithinsixmonthsoftheIssueDatetothereasonablesatisfactionofoursurveyorandtopayhisreasonablere-inspectionfee(ifany);

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

(j) Wherethereismorethanoneborrower,promptlynotifyusinwritingifanyoneofyoudies.

IfyoufailtoobserveorpunctuallytoperformanyofyourobligationsundertheMortgage,weshallhavepoweronyourbehalforotherwisetoperformanyorallofthoseobligationsandtotakeanystepswhichwemayreasonablythinknecessarytoremedythefailure.However,theexerciseofthatpowerorthefailuretoexerciseitshallinnocircumstancesprejudiceourrightsunderthetermsoftheMortgageandourwaiverofanybreachoftheConditionsoroftheMortgageshallnotpreventthesubsequentenforcementofanyofthemandshallnotbedeemedawaiverofanysubsequentbreach.

6.INSURANCE

6.1 Youfurtheragree(butsubjecttoCondition6.5below)tokeepthePropertyinsuredtoitsfullrebuildingcost(whichshallbenotlessthantheamountdeterminedbyus)underapolicywhichshall:

(a) includeprovisionforadjustmentofthesuminsuredatleastannuallyandinaccordancewiththepublishedalterationsintheHouseRebuildingCostIndexpreparedbytheRoyalInstitutionofCharteredSurveyorsorsuchotherindexasweshallreasonablyapprove;

(b) includeprovisionforarchitects’andsurveyors’feesandcostsofdemolitionanddebrisremoval;

(c) provideinsurancewithinsurersapprovedbyus,ourapprovalnottobeunreasonablywithheld;

(d) providecoveragainstlossordamagebyfire,stormorflood,burstpipes,lightning,explosion,riot,civilcommotion,maliciousdamage,impactbyaircraftotheraerialdevicesorarticlesdroppedfromaircraft,orbyanyroadvehicle,train,animalorfallingtree,earthquake,subsidence,heaveandlandslipandsuchadditionalorotherrisksaswemayfromtimetotimereasonablyspecify;and

(e) ineverycasewithourinterestnotedontherelevantpolicy.

6.2 YoushallpromptlypayallpremiumsandothersumspayableinrespectofallinsurancesrequiredundertheConditionsandshalldelivertousalloranyofthepolicies.Ondemand,youshallproducethereceiptsforthelastpremiumspayableorshallprovideotherevidencesatisfactorytousastothetermsofinsuranceandthepaymentofpremiums.

6.3 Youshallnotdo,permittobedoneorfailtodoanythingonthePropertywhichmayprejudiciallyaffecttheinsuranceofthePropertyorwhichmayincreasethepremiumpayableinrelationtosuchinsurance.

6.4 YoushallholdanymoniesreceivedbyyouinrespectofanyinsuranceoftheProperty(whethermaintainedundertheConditionsornot)ontrusttoapplythosemonies:

(i) inreplacingorrepairingthePropertyinrespectofwhichthemonieswerereceived;or

(ii) ifanyoftheSecuredAmountshavebecomedue,inortowardsdischargingthoseSecuredAmounts.

6.5 Totheextentthat,intermsofthetitleunderwhichthePropertyisheld,anotherpartyhasagreedwithyou:

(a) toinsurethePropertyagainstalloranyoftherisksmentionedinCondition6.1,forthefullrebuildingcostoftheProperty;and

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(b) toapplytheinsurancemoniesinortowardsmakinggoodthelossordamageinrespectofwhichsuchmoniesarereceived;

andprovidedthat:

(c) anoteoftheinterestsofyouandusasheritablecreditorhasbeenendorsedontherelevantpolicy;and

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

7.FEESANDEXPENSES

7.1 YoufurtheragreeondemandtopayallCostsby,orchargedto,usinconnectionwiththeMortgageincluding,butnotlimitedto,allreasonablecosts,fees,chargesandexpenses(includinglegalfees,administrationcosts,additionalfundingcostsandanytaxonthese)paidorincurredby,orchargedto,usinconnectionwiththeMortgageincluding(butnotlimitedto)theexamplesgiveninCondition7.2.

7.2

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

• supplyingorcopyingdeedsordocumentstoyouoranyoneactingforyou;

• dischargingtheMortgage;

• releasingthePropertyortheRelatedRights(asdefinedinCondition15.1)fromoursecurity;

• releasinganytitledeeds;

• processingyourapplicationforanyfurtheradvanceandforanychangeinthetermsoftheMortgageOffer;

• givingyouanyassistanceorinformationinconnectionwiththeProperty,theMortgageOfferortheMortgage.

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

• anylegalproceedingsrelatingtotheMortgage(thisapplieswhetherornotyouareapartytotheproceedings);

• exercisinganyoftherightsorpowersgiventousbystatuteortheConditions;

• recoveringanyoftheSecuredAmounts;

• protectingorpreservingoursecurity;

• checkingthatanyinsuranceofthePropertythatyouhavearrangedisadequateforourpurposes;

• insuringthePropertywhereyouhaveaskedustodosoorfailedtodosoinbreachofyourobligationundertheMortgage.

7.3 TheamountspayableunderCondition7.2shallcarryinterestattheInterestRatefromthedateonwhichtheyarepaid,incurredorchargedbyortousuntilthedateofpaymentbyyou.

7.4 WecanatanytimevaryoraddtotheCostssetoutinourTariffofChargesifitistoyouradvantage(forexampleifwereduceorabolishanyCost)orforanyoneormoreofthefollowingreasons(whichmayrelatetocircumstancesexistingatthetimeorthosewhichwereasonablyexpecttoapplyinthenearfuture):

(a) totakeaccount,inaproportionatemanner,ofreasonablechangestoourcostsinprovidingtheserviceforwhichtheCostismade;

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

(c) totakeaccountof,inaproportionatemanner,inflation;

(d) totakeaccountof,inaproportionatemanner,theadditionalcostofanychangestoorimprovementswemaketotheservicesorfacilitieswealreadyprovidetoourmortgagecustomers,includingtechnologicalchange;

(e) totakeaccountof,inaproportionatemanner,changeswemayreasonablymakeintheactivitieswecarryoutortocarryoutnewactivities;

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(f) wherewereasonablyconsiderachangetobefairertoourcustomersortocorrecterror;

(g) tomaintainthefinancialstrengthofourbusinessintheinterestsofallourcustomers;

(h) byagreementwithyou;

(i) intheeventofusbeingtakenoverby,ormergingwith,anothermortgageprovider,toenableustobringtheCostschargedbybothpartiesinlinewitheachotherinareasonablemanner.

7.5 WehavesentyouacopyofourTariffofChargeswiththeMortgageOffer.YoucanfindoutaboutourcurrentTariffofChargesatanytimebycontactingus,forexample,bytelephoneorlookingonourwebsite.

8.OURRIGHTSANDREMEDIES-OURRIGHTTOSELLTHEPROPERTY

InadditiontothecircumstancesspecifiedintheAct,youshallbeindefaultintermsofStandardCondition9(1)(b)andourrighttosellthePropertyandallotherremediesundertheMortgageshallbeexercisableimmediatelyinanyofthefollowingcases:

(a) ifyoufailtopayanamountequaltotwoMonthlyPaymentsdueundertheMortgage;

(b) ifthereisamaterialorpersistentbreachofanyotherConditionoragreementonyourpartandyoushallhavefailedtoremedythatbreachwithinareasonabletimeofusrequiringsuchbreachtoberemedied;

(c) ifyouaresequestratedorabankruptcyorderismadeagainstyou(oranyofyou);

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

(e) ifanyonetriestoseizeyour(oranyofyour)assetsunderacourtorder;

(f) ifalandlordtriestoseizeassetsbecauseyou(oranyofyou)havenotpaidrentdueinrespectoftheProperty;

(g) ifthePropertyshallbecompulsorilypurchased;

(h) ifwebecomeawareofanymaterialmisrepresentationin,oranymaterialomissionfrom,anyinformationsuppliedtousinconnectionwiththeMortgage.

(i) ifthereisamaterialbreachonyourpartofanyotheragreement,enteredbetweenyouandus,andyoushallhavefailedtoremedythatbreachwithinareasonabletimeofusrequiringsuchbreachtoberemedied;

(j) uponthedeathoftheborrower(orwherethereismorethanoneborroweruponthedeathofthelastsurvivorofthem)

(k) ifyousurrenderpossessionofthePropertytous.

9.OURRIGHTSANDREMEDIES-OURADDITIONALPOWERS

OurpowertosellthePropertyandourotherpowersconferredbytheActareextendedandvariedsothatwe,atourabsolutediscretion,areauthorisedbyyou:

9.1

(a) tosellthePropertyunderanagreementwherethepurchaserwouldpayallorpartofthepurchasepriceatalaterdateordatesfollowingcompletion(anagreementfordeferredconsideration),whetherornottheagreementissecuredbyaSecurityInterestoraguarantee;

(b) tograntanyoptiontopurchasethePropertyandtoeffectexchangesinrelationtoit;

(c) torepair,replaceanddevelopthePropertywithaviewtosellingthePropertyorofferingitforsaleandtoapplyforanyappropriatepermission,licenceorapprovalinconnectionwithanysuchrepair,replacementordevelopment;

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

(e) tomanagethePropertyincludingcollectingandreceivingallrents,arranginganynecessaryrepairandmaintenanceoftheProperty,ensuringcompliancewiththelocalauthorityrequirementsandservingnoticesundertherelevanthousinglegislation.

9.2 WeshallnotbeliabletoaccountasheritablecreditorinpossessionifweenterintopossessionoftheProperty.IfandwheneverweenterintopossessionoftheProperty,weshallbeentitledatanytimetogooutofpossession.

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10.OURRIGHTSANDREMEDIES-POWERSOFLEASING

ThepowersofleasingandacceptingsurrendersofleasesconferredbySection20oftheAct(theseprovisionsgiveuscertainrightsafterwetakepossessionoftheProperty)areextendedandvariedtoauthoriseusatanytimeafterourrighttoenforcetheMortgagehasbecomeexercisable:

(a) forsuchconsiderationaswemayreasonablyconsiderappropriateorinrelationtoCondition10(ii)withoutconsideration;

(b) onsuchtermsaswemayreasonablyconsiderappropriate;and

(c) whetherornotweareinpossessionoftheProperty;

todoalloranyofthefollowing:

(i) togrant(subjecttotheprovisionsoftheAct)anyleaseofthePropertysubjecttoandwiththebenefitofsuchobligations,conditionsandprovisionsandgenerallyuponwhatevertermswemayreasonablythinkappropriate;and

(ii) toacceptoragreetoacceptanysurrenderofaleaseoftheProperty.

11.RIGHTSANDREMEDIES-YOURGOODS

11.1 IfwetakepossessionofthePropertyandyouhavenotremovedanyremainingfurnitureorgoodswithinfourteendays,thenweshallhavefullauthorityatyourexpenseandrisktoremove,store,selland/ordisposeofsuchfurnitureorgoodsinsuchmannerandonsuchtermsasweshallreasonablythinkfit.

11.2 NothingcontainedintheMortgageshallgiveusanysecurityorrightsinrespectofanyfurnitureorgoodsasmentionedinCondition11.1ortotheproceedsofsalefromthem.

11.3 WeshallhavenoliabilitywhateverforanylossordamagecausedbyorfollowingtheexerciseorpurportedexerciseoftheauthoritiesspecifiedinthisCondition11,providedthatwewereactingreasonablyandingoodfaithattherelevanttime.

11.4 TheobligationtoreimburseuscontainedinCondition16andgivenbyyoushall(withoutprejudicetothegeneralapplicationofthatCondition)extendtoanyliabilitiesincurredbyusingoodfaithregardingthesale,purportedsale,attemptedsaleordisposalingoodfaithbyusofanysuchfurnitureorgoodsinwhichanyotherpersonhasaninterestorownership.

12.OURRIGHTSANDREMEDIES–POSSESSION

Youagreethat,ifyouareindefaultandtheSecuredAmountshavebecomedueandpayable,youshallvacatethePropertyandgiveuspossessionofitafterwehavegivenyousevendays’writtennoticerequiringyoutoleavetheProperty.YoufurtheragreethatwemayapplyforacourtorderorwarrantforpossessionofthePropertyinanySheriffCourtintheareainwhichthePropertyissituatedatanytimeaftertheperiodofsevendaysspecifiedinthenotice.

13.TRANSFERORASSIGNATIONOFTHEMORTGAGE

13.1 Wemaytransfer,assignorgrantsecurityoverthebenefitoftheMortgageand/ortheMortgageOfferand/oranySecurityInterestsupplementalorancillarytotheMortgageand/oranyotherrelevantdocumentstoanypersonatanytimeatourabsolutediscretion.

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

13.3 Wemay,withoutyourconsentandwithoutnoticetoyou,provideapotentialtransfereeorassigneeoranypersonontheirbehalfwithinformationinrelationtoyou,theMortgageandsuchothermattersasweconsiderappropriate.

13.4 Youagreethatyouwillbeboundtoanytransferee,assigneeorchargeeinthemannerandonthetermsthatyouareboundtousundertheMortgage.

14.PROTECTIONOFTHIRDPARTIES

Apurchaserfromusoranyotherpersondealingwithuscansafelyassumethatweareactingwithinourpowers.TherightsofapurchaserinrelationtothePropertyshallnotbecapableofchallengebyreferencetotheexerciseofsuchpowers.

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15.RELATEDRIGHTS

15.1 InthisCondition15“RelatedRights”means:

15.1.1 anyoptiontopurchasetheheritabletitleorsuperiorleaseoranewlongleaseoftheProperty;

15.1.2 anyrighttoreceivemoneywhichbecomespayableinrespectofthePropertyorfollowinganydamagetoordepreciationofthePropertyincludingmoneypayableforminingsubsidenceorcompulsorypurchase;

15.1.3 anyshareormembershiprightsinaresidents’associationormanagementcompanyrelatingtotheProperty;

15.1.4 allsumspayableunderanydefectivetitleorrestrictivecovenantindemnityinsurancepolicyrelatingtotheProperty;

15.1.5 anyguarantees,warrantiesorinsurancesrelatingtothePropertyincludingguaranteesforworkdonetotheProperty;and

15.1.6 anyotherbenefitorrightofanykindrelatingtothePropertyoritsconstructionortitle.

15.2 AsfurthersecurityforthemoniesandliabilitiessecuredbytheMortgage,byyoursignatureoftheMortgageyouassigntheRelatedRightstousandagreethatwehavethefullpowertogetin,exerciseanddealwithalltheRelatedRightsasifwewereabsolutelyandbeneficiallyentitledtothem.

15.3 AnyproceedsoftheRelatedRights,afterdeductinganycosts,chargesandexpensesincurredbyus,willbeappliedinreducingtheSecuredAmounts,andanysurplusshallbepaidtoyou.

16.AGREEMENTTOREIMBURSEUS

16.1 Youagreeasaseparateandindependentagreementondemandtoreimburseusagainstallreasonablecosts,claims,proceedingsandliabilitiesreasonablyincurredbyuswhich:

(a) wemayreasonablyincur,orwhichmaybemadeagainstus,whetherbeforeorafterourpowertosellthePropertyhasbecomeexercisableinconnectionwiththeMortgage;

(b) ariseasaconsequenceofanythingdoneorpurportedtobedoneundertheConditions;

(c) resultfromyoufailingtodoanythingundertheConditions;or

(d) resultfromanypaymentordischargeinrespectoftheSecuredAmounts(whethermadebyyouorathirdperson)beingchallengedordeclaredvoidforanyreasonwhatsoever.

16.2 TheamountspayableunderCondition16.1shallcarryinterestattheInterestRatefromtherespectivedatesonwhichtheywerepaidorincurredbyusuntilpaymentinfullbyyou.

17.FURTHERASSURANCESANDPOWEROFATTORNEY

17.1 Youagreewithus,notwithstandingthatourpowertosellthePropertymaynothavebecomeexercisable,topromptlyexecuteanydocumentordoanyactorthingwhichwemayreasonablyspecifyfor:(a) perfectingorimprovinganysecuritycreated,orintendedtobecreated,bytheMortgage;(b) facilitatingtheexerciseortheproposedexerciseofanyofourpowers,ortheprotection,managementorrealisation

oftheProperty;or(c) forthepurposementionedinCondition17.2.

17.2 ForthepurposeofsecuringourinterestintheProperty,youirrevocablyandbywayofsecurityappointustobeyourattorney:(a) withfullpowertoappointsubstitutesandtosub-delegateonyourbehalfandinyourname;and(b) toexecuteanydocumentordoanyactorthingwhichyouareobligedtoexecuteordo:

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

anyofourpowers.

17.3 Anypersonappointedasoursubstituteordelegateshall,inexercisingthatpowerofattorney,beyouragentandyoushallbetheonlypersonresponsiblefortheactsanddefaultsofthatsubstitutedpersonordelegate.Weshallnotberesponsibleforanymisconduct,negligenceordefaultofthatsubstitutedpersonordelegate.

18.MISCELLANEOUS

18.1 ThesecurityconstitutedbytheMortgage:

(a) shallbeacontinuingsecuritytousnotwithstandinganyintermediatesettlementofaccountorothermatter;and

(b) isinadditiontoandshallnotaffectanyotherSecurityInterest,documentorrightwhichwemaynowormayatanytimeholdorhave(apartfromtheMortgage)asregardsyouoranyotherpersoninrespectoftheSecuredAmounts.

18.2 Weneednottrytoenforceanyothersecurity,guaranteeorrightbeforeseekingorobtainingpaymentundertheMortgage.

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18.3 Therights,remediesandpowersconferredonusundertheMortgagearecumulativeandwithoutprejudicetoourpowersunderthegenerallaw.Theymaybeexercisedasoftenaswethinkappropriate.Awaiverisvalidonlyifitisgivenbyusinwriting.

18.4 Evenifwedelayinexercising,ordonotexercise,anyofourrightsorremediesundertheConditions,wemaystillexerciseanyofourrightsorremedieslater.

18.5 IftheConditionsareinconsistentwiththeMortgageOfferinrespectofanymatter,thenthoseprovisionsoftheMortgageOfferwillapply.

19.GENERALVARIATIONOFCONDITIONS

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

(a) Tomakethemeasiertounderstandandfairertoyou;

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

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

(d) Foranotherreasonasagreedwithyou.

Wewillgiveyou30daysnoticeofanysuchchangeandtheamendmentshalltakeeffectfromthedatespecifiedinsuchnotice.

20.NOTICESANDCOMMUNICATIONS

20.1 AnynoticeorcommunicationtoyoushallbetreatedashavingbeenproperlyserveduponyouifdeliveredbyhandorifsentbyposttotheProperty(orotheraddressnotifiedtousbyyou).Wherethereismorethanoneofyou,itshallbesufficientifthenoticeisservedon,oraddressedto,anyoneofyou.

20.2 AnoticeordemandunderCondition20.1willbetreatedashavingbeeneffectivelyservedonyou:

(a) ifdeliveredbyhand,atthetimeofdeliveryoratthetimeofbeingleftattheaddressreferredtoinCondition20.1;or

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

(c) inanyothercase,72hoursfromthetimeofdespatch.

20.3 Ifyou(oroneofyou)diesanduntilwereceivenoticeinwritingofthegrantofconfirmationtoyourestateorprobateofyourwillorlettersofadministration,anynoticeordemandbyusgivenormadebyanyofthemethodsmentionedinthisConditionshallbetreatedashavingbeenproperlygivenormadebyustooronyouandtooronyourexecutorsorpersonalrepresentativesasifyouwerestillliving.

21.MANAGEMENTCOMPANY

21.1 IfthePropertyisheldbyyouunderalongleasewhichrequiresthelesseetobeamemberofamanagementcompany,youshalldepositwithusyoursharecertificateorothercertificateofmembershipofthemanagementcompany.Youirrevocablyandbywayofsecurityappointusasyourattorneyandinyournametoexecuteatransferofsuchshareormembershiptoanypersontowhomwemayconvey,transferorassignthePropertyunderourpowersundertheConditions.

22.REPAYMENTBYUS

If:

(a) wereceivepaymentofanyoftheSecuredAmountsfromyouoranyotherperson;and

(b) wearelaterorderedunderanyinsolvencylawtorestorethepositiontowhatitwouldhavebeenifwehadnotreceivedthatpayment,youwillbeliableasifwehadneverreceivedthatpayment.

23.PARTIALINVALIDITY

EachoftheConditionsmaybeseparatedfromeachotherCondition.IfatanytimeanyConditionbecomesillegal,invalidorunenforceable,thiswillnotaffectanyoftheotherConditions.

24.STANDARDCONDITIONS

StandardConditions1to6(inclusive)and12shallnotapplytotheMortgage.

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25.LAW

TheapplicablelawofthisDeedisScotslaw.

26.INDEPENDENTLEGALADVICE

IfyouhaveanyqueriesaboutanyoftheseConditionsyoushouldseekindependentlegaladvice.

27.FLEXIBLEMORTGAGES

IfyourMortgageOfferspecifiesthatunderpayments,paymentholidaysandoverpaymentsareavailableandthatdetailedrulesontheuseofthosefeaturesaresetoutintheMortgageConditionsthenthePlatformFlexibleMortgageConditionscontainedinAppendixAtothisdeedshallapplytotheMortgage.

INWITNESSWHEREOFthesepresentsconsistingofthisandtheprecedingtwelvepagesaresubscribedforandonbehalfofusthesaidPlatformFundingLimitedbyDavidWilliamTweedy,BusinessLeaderanddulyauthorisedbyustoactinthatbehalf,atLondononFourthMayTwoThousandandElevenbeforethiswitness,AbbieLouiseReynolds,ofExchangeTower,2HarbourExchangeSquare,LondonE149FR.

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APPENDIXA

PlatformFlexibleMortgageConditions

1FlexibleOptions

1.1 IfyourMortgageOfferspecifiesthatallthefollowingareavailable:

(a) underpayments;

(b) paymentholidays;and

(c) overpayments

(allofwhichwerefertoasflexibleoptions)thenthesePlatformFlexibleMortgageConditionsshallapplytoyourMortgageandthoseflexibleoptions.TheflexibleoptionsarenotavailableunlessyourMortgageOfferspecifiesthattheyareandiftheyarenotavailabletheremainderofthesePlatformFlexibleMortgageConditionswillnotapply.

1.2 Theseflexibleoptionsshallnotapplytoanyfurtheradvance.

1.3 Beforeyoucanexerciseaflexibleoption(otherthananoverpayment)youmusthavemadesixconsecutivemonthsfullMonthlyPaymentssincethemortgagecommenced.

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

1.5 WheretherearejointBorrowersyoumustallrequesttheexerciseoftheflexibleoptionandallandeachofyouwillbeliableinfullforallindebtednessarisingastheresultofthetakeupofanyoftheflexibleoptions.

2OverpaymentFund

2.1 UnderthisFlexibleMortgageyouhaveanOverpaymentFund.Thisisthemaximumamountwearepreparedtoallowyoutounderpay(whetherthatunderpaymentisasaresultofapaymentholidayorunderpayment).

2.2 TheOverpaymentFundatanytimeisequaltothetotalofyouroverpayments(beingthetotalamountyouhavepaidoverandaboveyourcontractualMonthlyPaymentincludinganyearlyrepaymentchargeyouhavepaidlessthetotalamountyouhaveunderpaidandanyearlyrepaymentchargedebitedtoyouraccount).

2.3 WemayreduceorwithdrawyourOverpaymentFundatanytimeforthereasonssetoutinCondition5.

2.4 IfyoumovehouseandarrangeanewPlatformmortgageforthenewpropertyontheseproducttermsyouwillnotbeabletotakeanyexistingOverpaymentFundwithyoutothenewmortgageandatthestartofthenewmortgagetheOverpaymentFundwillbe£0.

3PaymentHolidaysandUnderpayments

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

3.2 AmaximumofsixMonthlyPayments/underpaymentsmaybemissed/madeinanyperiodoftwelveconsecutivemonths.

3.3 WhenyourrequestforapaymentholidayorunderpaymentsisacceptedyourdirectdebitMonthlyPaymentwillbesuspendedoramendedfortheperiodofthepaymentholiday/underpaymentandreactivatedwhenthepaymentholidayorunderpaymentperiodends.

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

4OverpaymentsandEarlyRepaymentChargesonthem

4.1 Overpaymentsofanyamountmaybemade.Thereisnominimumamount.

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

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

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4.3 Overpaymentstoyourmortgageaccountcanbemadeusinganyofthefollowing:

(a) SendachequemadepayabletoPlatformFundingLimitedre(insertyourname).Pleaseensurethatyouquoteyourmortgagereferencenumberonthereverseofthecheque.

(b) ArrangewithusforyourDirectDebittobeincreasedforanagreedperiod.

(c) ArrangewithyourBankorBuildingSocietytomakearegularpaymentbyStandingOrder.

(d) ArrangeforextrafundstobetransferredtoyourmortgageaccountbyBACS/CHAPS.

(e) Arrangewithusforapaymenttobemadetoyourmortgageaccountbydebitcard.

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

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

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

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

5WithdrawalofFlexibleOptionsandOverpaymentFund

5.1 Wemayrefuseyourapplicationtoexerciseaflexibleoptionif:

(a) theOverpaymentFundislessthantheamountyouwishtounderpay;

(b) wereasonablyconsiderthatyoumaynotmakeormaynotbeabletomaketheMonthlyPaymentsattheendofthepaymentholidayortheperiodofunderpayments.

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

(a) therearearrearsonanyofyourmortgageaccountswithusortherehavebeenarrearsonanyoftheseaccountsduringtheprevioussixmonths;

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

(c) abankruptcyorsequestrationorderismadeagainstyouoryoubecomeapparentlyinsolventormakeorproposeanycompositionorarrangementwithorforthebenefitofyourcreditorsgenerally;

(d) youareinbreachofamaterialMortgageCondition,FlexibleMortgageConditionorSpecialConditionwhichappliestotheSecuredAmounts;

(e) weconsideritnecessaryinordertomeettherequirementsof,orrecommendationsmadeby,theFinancialConductAuthorityoranyotherbodyresponsibleforregulatingourbusiness.

IfweexerciseourrightsunderthisCondition5.2wewillwritetoyouwithin7daysinformingyouthatwehavedonesoandofyournewOverpaymentFund(ifany).

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PlatformisatradingnameofPlatformHomeLoansLimitedand

PlatformFundingLimitedwhoareauthorisedandregulatedbytheFinancialConductAuthority.

BothareRegisteredinEngland&WalesNumber2334606.

Registeredaddress:NewtonHouse,CheadleRoad,Leek,StaffordshireST135RG MKT1221510/2013

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

MortgageAccountNumber:

Lender: PlatformFundingLimited, a company registered under the Companies Acts in England (Number 3456337) and having its Registered Office formerly at Exchange Tower, 2 Harbour Exchange Square, London E14 9FR and now at Newton House, Cheadle Road, Leek, Staffordshire ST13 5RG, including its successors and assignees (whether absolute or in security) whomsoever

Borrower: (full names and addresses)

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

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

Property: as described in full below

ScottishMortgage The Mortgage Conditions (Scottish Edition) 2011 made by the Lender dated Conditions: 4th May 2011 and registered in the Books of Council and Session on 9th May 2011. Words defined in the Scottish Mortgage Conditions have the same meaning in this Standard Security.

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

STANDARDSECURITY

PlatformPO Box 3462, Cheadle Road, Leek ST13 9BGDX 16351 (Leek)Telephone: 0845 600 7200

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2. This Standard Security incorporates

(i) the Scottish Mortgage Conditions; and

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

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

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

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

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

(first Borrower) Witness

at (Full name)

on (Address)

(second Borrower / Consentor) Witness

at (Full name)

on (Address)

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

Agents

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STANDARDSECURITY

BY

INFAVOUROF

PLATFORMFUNDINGLIMITED

SUBJECTS:

Solicitors:

Reference:

PHL402 12/13Platform is a trading name of Platform Home Loans Limited and Platform Funding Limited who are authorised and regulated by the Financial Conduct Authority. Both are Registered in England & Wales Number 2334606. Registered address: Newton House, Cheadle Road, Leek, Staffordshire ST13 5RG

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