EX-10 24 e10-5two.txt DATE [______] 2003 GRANITE MORTGAGES 03-1 PLC ---------------------------------- ISSUER MASTER DEFINITIONS SCHEDULE ---------------------------------- SIDLEY AUSTIN BROWN & WOOD 1 THREADNEEDLE STREET LONDON EC2R 8AW TELEPHONE 020 7360 3600 FACSIMILE 020 7626 7937 REF: LHC/30507-15/576222 THIS ISSUER MASTER DEFINITIONS SCHEDULE is signed for the purposes of identification on [{circle}] 2003 BY: (1) Sidley Austin Brown & Wood of 1 Threadneedle Street, London EC2R 8AW; and (2) Allen & Overy of One New Change, London EC4M 9QQ. 1. DEFINITIONS Words and expressions used in any document which incorporates this clause or to which this clause applies shall, have the same meanings as are set out in this Issuer Master Definitions Schedule except so far as the context requires otherwise. "ACCOUNT BANK" means, in relation to the Current Issuer, the Current Issuer Account Bank and for any other Issuer, the Account Bank for such Issuer appointed from time to time in accordance with the relevant Issuer Transaction Documents; "ADDITIONAL INTEREST" means interest which will accrue on Deferred Interest at the rate of interest applicable from time to time on the classes of Current Issuer Notes, as further described in Condition 4 of the Current Issuer Notes; "ADDITIONAL MORTGAGE LOAN" means any Mortgage Loan which is assigned by the Seller to the Mortgages Trustee on the Closing Date 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 MORTGAGE PORTFOLIO" means the portfolio of Additional Mortgage Loans, their Related Security, Accrued Interest and other amounts derived from such Additional Mortgage Loans that the Seller anticipates assigning to the Mortgages Trustee on the Closing Date; "ADDITIONAL TRUST PROPERTY" means the Additional Mortgage Portfolio assigned to the Mortgage Trustee by the Seller on the Closing Date, including the Additional Mortgage Loans and their Related Security, the rights under the MIG Policies and the other Insurance Policies arranged by the Seller, but excluding any Early Repayment Charges which are reassigned to the Seller; "AGENT BANK" means, in relation to the Current Issuer, Citibank, N.A., 5 Carmelite Street, London EC4Y 0PA initially appointed pursuant to the Current Issuer Paying Agent and Agent Bank Agreement or, if applicable, any successor Agent Bank at its Specified Office; "AGENTS" means, in relation to the Current Issuer, the Principal Paying Agent, the US Paying Agent, the Registrar and the Transfer Agent, initially appointed pursuant to the Current Issuer Paying Agent and Agent Bank Agreement, or, if applicable, any successor agents; "APPOINTEE" has the meaning specified in the Current Issuer Trust Deed; "AUDITORS" or "AUDITORS" means PricewaterhouseCoopers of 89 Sandyford Road, Newcastle upon Tyne NE99 1PL or such other internationally recognised independent firm of auditors selected from time to time by (in the case of the Mortgages Trustee) the Mortgages Trustee or (in the case of 1 Funding) Funding or (in the case of the Current Issuer) the Current Issuer and appointed by the Mortgages Trustee, Funding or, as the case may be, the Current Issuer; "AUTHORISED DENOMINATIONS" means, in relation to the Current Issuer Notes, denominations of, in the case of any class of the Dollar Notes $1,000 and $10,000, in the case of any class of the Sterling Notes, {pound-sterling}1,000 and {pound-sterling}10,000, in the case of any class of the Euro Notes, *1,000 and *10,000 and in such other denominations as the Note Trustee shall determine and notify to the relevant Noteholders; "AUTHORISED DOLLAR HOLDING" means $1,000 (which shall be the minimum allowable holding with respect to each Dollar Note) and integral multiples of $1,000 in excess thereof; "AUTHORISED EURO HOLDING" means *1,000 (which shall be the minimum allowable holding with respect to each Euro Note) and integral multiples of *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 {pound-sterling}1,000 (which shall be the minimum allowable holding with respect to each Sterling Note) and integral multiples of {pound-sterling}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 Credit Support Annex (if any) thereto entered into among such Issuer, the related Basis Rate Swap Provider and the Note Trustee, as may be amended, restated, varied or supplemented from time to time and shall include any additional and/or replacement basis rate swap agreement entered into by such Issuer from time to time in connection with the Notes issued by such Issuer; 2 "BASIS RATE SWAP PROVIDER" means in relation to the Current Issuer, the Current Issuer Basis Rate Swap Provider and for any other Issuer the basis rate swap provider for such Issuer appointed from time to time in accordance with the relevant Issuer Transaction Documents; "BASIS RATE SWAP PROVIDER DEFAULT" means, in relation to the Current Issuer, the occurrence of an Event of Default (as defined in the Current Issuer Basis Rate Swap Agreement) or a Downgrade Termination Event under the Current Issuer Basis Rate Swap Agreement where the Current Issuer Basis Rate Swap Provider is the Defaulting Party or the Affected Party (as defined in the Current Issuer Basis Rate Swap Agreement); "BLOCK VOTING INSTRUCTION" has the meaning set out in Schedule 4 to the Current Issuer Trust Deed; "BLOCKED NOTE" has the meaning specified in Schedule 4 to the Current Issuer Trust Deed; "BUSINESS DAY" means, in relation to the Current Issuer Notes and the Current Issuer Intercompany Loan, a day that is a London Business Day, a New York Business Day and a TARGET Business Day; "CALCULATION AGENT" in relation to any Current Issuer Swap Agreement has the meaning given to it under such Current Issuer Swap Agreement; "CERTIFICATION DATE" has the meaning specified in the Current Issuer Trust Deed; "CHAIRMAN" has the meaning set out in Schedule 4 to the Current Issuer Trust Deed; "CLASS A ENFORCEMENT NOTICE" means a notice issued by the Note Trustee to the Current Issuer and the Security Trustee on the occurrence of a Current Issuer Note Event of Default, declaring the Class A Notes to be due and repayable pursuant to Condition 9(A) of the Current Issuer Notes; "CLASS A NOTEHOLDERS" means the Series 1 Class A Noteholders, the Series 2 Class A Noteholders and the Series 3 Class A Noteholders; "CLASS A NOTES" means, in relation to the Current Issuer, the Series 1 Class A1 Notes, the Series 1 Class A2 Notes, the Series 1 Class A3 Notes, the Series 2 Class A Notes and the Series 3 Class A Notes or any of them as the context may require and, in relation to any other Issuer, the Notes issued by such Issuer which are defined as such under the relevant Issuer Master Definitions Schedule; "CLASS B ENFORCEMENT NOTICE" means a notice issued by the Note Trustee to the Current Issuer and the Security Trustee on the occurrence of a Current Issuer Note Event of Default, declaring the Class B Notes to be due and repayable pursuant to Condition 9(B) of the Current Issuer Notes; "CLASS B NOTEHOLDERS" means the Series 1 Class B Noteholders, the Series 2 Class B Noteholders and the Series 3 Class B Noteholders; "CLASS B NOTES" means, in relation to the Current Issuer, the Series 1 Class B Notes, the Series 2 Class B Notes and the Series 3 Class B Notes or any of them as the context may require; and, in relation to any other Issuer, the Notes issued by such Issuer which are defined as such under the relevant Issuer Master Definitions Schedule; "CLASS 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(C) 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; 3 "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; "CLEARING SYSTEM" means any of DTC (with respect to the US Notes) and Euroclear and Clearstream, Luxembourg (with respect to the Reg S Notes), and any other or additional organisation of a similar nature as may be approved in writing by the Note Trustee; "COMMON DEPOSITARY" means Citibank, N.A. in its capacity as common depositary for Euroclear or Clearstream, Luxembourg in respect of the Reg S 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 03-1 plc, a company incorporated with limited liability under the laws of England and Wales, registered number 4598035; "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; (b) all Current Issuer Available Revenue Receipts which are to be used on that Payment Date to credit any Current Issuer Principal Deficiency Sub Ledger; and (c) any Swap Collateral Available Principal Amounts; less (d) the aggregate amount of all Current Issuer Principal Receipts to be applied on the relevant Payment Date to pay items (A) through (E), (G) or (I) 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 the Current Issuer under the Current Issuer Intercompany Loan during the relevant Interest Period and/or the sum 4 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" for the Current Issuer in respect of any Payment Date will be an amount equal to the sum of: (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 the Current Issuer Swap Agreements on the relevant Payment Date and including Swap Collateral Available Revenue Amounts (but excluding Swap Collateral Excluded Amounts, Swap Collateral Available Principal Receipts and any early termination amounts 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 (4) (only to the extent required after making the relevant calculations set out in the Current Issuer Cash Management Agreement), the amount of Current Issuer Principal Receipts (if any) which are to be applied on the relevant Payment Date to pay items (A) through (E), (G) and/or (I) 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 entered into at any time among the Current Issuer, the Current Issuer Basis Rate Swap Provider and the Note Trustee, 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; 5 "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; "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; 6 "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 [____]) 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 entered into at any time among the Current Issuer, the Current Issuer Dollar Currency Swap Provider and the Note Trustee, 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 [{circle}] as swap counterparty to the Current Issuer under the Current Issuer Dollar Currency Swap Agreements; "CURRENT ISSUER DOLLAR CURRENCY SWAP RATES" means, in relation to the Current Issuer Notes, the rates at which Dollars are converted to Sterling or, as the case may be, Sterling is converted to Dollars pursuant to the applicable Current Issuer Dollar Currency Swap or, if there are no relevant Current Issuer Dollar Currency Swap Agreements in effect at such time, in relation to such class of Notes, the "spot" rate at which Dollars are converted to Sterling or, as the case may be, Sterling is converted to Dollars, on the foreign exchange markets; "CURRENT ISSUER DOLLAR CURRENCY SWAPS" means, in relation to the Current Issuer, the Sterling-Dollar currency swap transactions which enable the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Dollar Notes in Dollars; "CURRENT ISSUER EURO ACCOUNT" means the account of the Current Issuer (account number [____]) 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 entered into at any time among the Current Issuer, the Current Issuer Euro Currency Swap Provider and the Note Trustee, 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; 7 "CURRENT ISSUER EURO CURRENCY SWAP PROVIDER" means [{circle}] 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; "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) and (G) and (I) of the Current Issuer Pre- Enforcement Revenue Priority of Payments; "CURRENT ISSUER INTERCOMPANY LOAN" means the loan made by the Current Issuer to Funding on or about the Closing Date pursuant to the Current Issuer Intercompany Loan Agreement; "CURRENT ISSUER INTERCOMPANY LOAN AGREEMENT" means together the Current Issuer Intercompany Loan Confirmation and the Intercompany Loan Terms and Conditions; "CURRENT ISSUER INTERCOMPANY LOAN CONFIRMATION" means the loan confirmation in respect of the Current Issuer Intercompany Loan Agreement entered into on or about the Closing Date and made between Funding, the Current Issuer, the Security Trustee and the Current Issuer Agent Bank; "CURRENT ISSUER INTERCOMPANY LOAN EVENT OF DEFAULT" means the occurrence of an Intercompany Loan Event of Default as specified in the Current Issuer Intercompany Loan Agreement; "CURRENT ISSUER JERSEY ENFORCEMENT NOTICE" has the meaning given to it in Clause 7.2 of the Current Issuer Deed of Charge; "CURRENT ISSUER JERSEY SECURED PROPERTY" means, at any time, the Current Issuer Charged Property which is situated in Jersey at such time; "CURRENT ISSUER LEDGERS" means the Current Issuer Revenue Ledger, the Current Issuer Principal Ledger, the Current Issuer Reserve Fund Ledger, the Current Issuer Liquidity Reserve Ledger, the Current Issuer Principal Deficiency Ledger and the Swap Collateral Ledger and any other ledger required to be maintained pursuant to the Current Issuer Cash Management Agreement; "CURRENT ISSUER LIQUIDITY RESERVE FUND" means the liquidity reserve fund in Funding's name which Funding will be required to establish pursuant to the Current Issuer Intercompany Loan Agreement if the long term, unsecured, unsubordinated and unguaranteed debt obligations of the Seller cease to be rated at least A3 by Moody's or A- by Fitch (unless Moody's or Fitch, as applicable, confirms that the then-current ratings of the Notes will not be adversely affected). The Current Issuer Liquidity Reserve Fund, if any, will be funded to the relevant Current Issuer Liquidity Reserve Required Amount; 8 "CURRENT ISSUER LIQUIDITY RESERVE LEDGER" means a ledger maintained by the Current Issuer Cash Manager in the name of Funding to record the amount credited to the Current Issuer Liquidity Reserve Fund held by Funding in respect of the Current Issuer on the Closing Date, and subsequent withdrawals and deposits in respect of the Current Issuer Liquidity Reserve Fund; "CURRENT ISSUER LIQUIDITY RESERVE REQUIRED AMOUNT" means an amount as of any Payment Date equal to the excess, if any, of 3% of the aggregate outstanding balance of the Notes on that Payment Date over amounts standing to the credit of the Current Issuer Reserve Fund on that Payment Date; "CURRENT ISSUER MASTER DEFINITIONS SCHEDULE" means this master definitions schedule relating to the Current Issuer and the Current Issuer Transaction Documents signed for the purposes of identification by Sidley Austin Brown & Wood and Allen & Overy on or about the Closing Date, as the same may be amended, restated and supplemented from time to time; "CURRENT ISSUER NEW FUNDING SECURED CREDITORS" means the Current Issuer Start- Up Loan Provider and the Current Issuer; "CURRENT ISSUER NOTE DETERMINATION DATE" means the Distribution Date immediately preceding each Payment Date; "CURRENT ISSUER NOTE ENFORCEMENT NOTICE" means a notice issued by the Note Trustee to the Current Issuer and the Security Trustee declaring any of the Current Issuer Notes to be due and repayable pursuant to Condition 9 of the Current Issuer Notes; "CURRENT ISSUER NOTE EVENT OF DEFAULT" means the occurrence of an event of default by the Current Issuer as specified in Condition 9 of the Current Issuer Notes; "CURRENT ISSUER NOTES" means the US Notes and Reg S Notes issued by the Current Issuer or any of them as the context may require; "CURRENT ISSUER PAYING AGENT AND AGENT BANK AGREEMENT" means the paying agent and agent bank agreement to be entered into on or about the Closing Date between, inter alios, the Current Issuer, the Note Trustee, the Principal Paying Agent, the US Paying Agent and the other Agents and any other agreement for the time being in force appointing successor agents and shall include any additional and/or replacement paying agent and agent bank agreement entered into by the Current Issuer from time to time in accordance with the Transaction Documents; "CURRENT ISSUER POST-ENFORCEMENT CALL OPTION AGREEMENT" means the post- enforcement call option agreement to be entered into on or about the Closing Date between the Current Issuer, the Current Issuer Post-Enforcement Call Option Holder and the Note Trustee; CURRENT ISSUER POST-ENFORCEMENT CALL OPTION HOLDER" means GPCH Limited, a company incorporated with limited liability under the laws of England and Wales, registered number 4128437, or such other person or persons for the time being acting as post-enforcement call option holder under the Current Issuer Post-Enforcement Call Option Agreement; "CURRENT ISSUER POST-ENFORCEMENT PRIORITY OF PAYMENTS" means the order of priority of payments in which Current Issuer Available Revenue Receipts, Current Issuer Available Principal Receipts and all other monies and proceeds received or recovered by or on behalf of the Current Issuer or the Note Trustee or any Receiver will be applied following enforcement of the Current Issuer Security and as set out in Schedule 2 to the Current Issuer Deed of Charge (as the same may be amended or varied from time to time in accordance with the Current Issuer Transaction Documents); 9 "CURRENT ISSUER POST-LIQUIDITY PAYMENTS" means the payments set out in items (H) through (J) 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 (K) 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 (L) and (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 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" means the payments set out in items (K) and (L) 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 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 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 10 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 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 (E) 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 FUND" means the reserve fund established in the name of Funding in respect of the Current Issuer as required under the terms of the Current Issuer Intercompany Loan on the Closing Date in an amount up to the Current Issuer Reserve Required Amount; "CURRENT ISSUER RESERVE FUND LEDGER" means a ledger maintained by the Current Issuer Cash Manager in the name of Funding to record the amount credited to the Current Issuer Reserve Fund held by Funding in respect of the Current Issuer on the Closing Date, and subsequent withdrawals and deposits in respect of the Current Issuer Reserve Fund; "CURRENT ISSUER RESERVE REQUIRED AMOUNT" means an amount equal to {pound-sterling}[_______]; "CURRENT ISSUER RESERVE REQUIREMENT" means the Current Issuer Reserve Requirement as the same relates to the Current Issuer and the Current Issuer Reserve Fund; "CURRENT ISSUER REVENUE LEDGER" means the ledger maintained by the Current Issuer Cash Manager pursuant to the Current Issuer Cash Management Agreement to record the Current Issuer Revenue Receipts standing to the credit of the Current Issuer Transaction Accounts from time to time; "CURRENT ISSUER REVENUE RECEIPTS" means for the Current Issuer in respect of any Payment Date an amount equal to the sum of: (1) interest, fees and any other amount (not including principal), if any, paid by Funding on such Payment Date under the terms of the Current Issuer Intercompany Loan Agreement; (2) other net income of the Current Issuer (not otherwise included in (1) above or (3) below) including amounts received by the Current Issuer under the Current Issuer Swap Agreements on the such Payment Date and including Swap Collateral Available Revenue Amounts (but excluding Swap Collateral Excluded Amounts, Swap Collateral Available Principal Receipts 11 and any early termination amounts 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 [____], account number [{circle}]) 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 [{circle}] 2003 between the Current Issuer, Funding, the Mortgages Trustee, Salomon Brothers International Limited, Merrill Lynch International and the other Managers; "CURRENT ISSUER SWAP AGREEMENTS" means the Current Issuer Basis Rate Swap Agreement, the Current Issuer Dollar Currency Swap Agreements and the Current Issuer Euro Currency Swap Agreements and "CURRENT ISSUER SWAP AGREEMENT" means any one of them; 12 "CURRENT ISSUER SWAP PROVIDERS" means the Current Issuer Basis Rate Swap Provider, the Current Issuer Dollar Currency Swap Provider and the Current Issuer Euro Currency Swap Provider and "CURRENT ISSUER SWAP PROVIDER" means any one of them; "CURRENT ISSUER TRANSACTION ACCOUNTS" means the day to day bank accounts of the Current Issuer, held with the Current Issuer Account Bank and comprising the Current Issuer Euro Account, the Current Issuer Sterling Account and the Current Issuer Dollar Account as at the Closing Date, or any other account of the Current Issuer that may be opened, with the prior approval of the Note Trustee, after the Closing Date, and maintained subject to the terms of the Current Issuer Bank Account Agreement and the Current Issuer Deed of Charge; "CURRENT ISSUER TRANSACTION DOCUMENT" means any of the following documents: (a) the Current Issuer Subscription Agreement; (b) the Current Issuer Underwriting Agreement; (c) the Current Issuer Intercompany Loan Agreement; (d) the Current Issuer Deed of Charge; (e) the Current Issuer Deed of Accession; (f) the Current Issuer Basis Rate Swap Agreement; (g) the Current Issuer Dollar Currency Swap Agreements; (h) the Current Issuer Euro Currency Swap Agreements; (i) the Current Issuer Trust Deed; (j) the Current Issuer Paying Agent and Agent Bank Agreement; (k) the Current Issuer Cash Management Agreement; (l) the Current Issuer Post-Enforcement Call Option Agreement; (m) the Current Issuer Bank Account Agreement; (n) the Current Issuer Notes; (o) the Current Issuer Corporate Services Agreement (p) the Current Issuer Start-up Loan Agreement; and (q) 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 [{circle}] 2003, among the Current Issuer, Funding, the Mortgages Trustee, Salomon Smith Barney Inc, Merrill Lynch, Pierce Fenner & Smith Incorporated and the other Underwriters; "CUT-OFF DATE" means 30 November 2002; 13 "CUT-OFF DATE MORTGAGE PORTFOLIO" means as of the Cut-Off Date, the Existing Mortgage Portfolio combined with the Additional Mortgage Portfolio; "DEFERRED INTEREST" in relation to the Current Issuer Notes has the meaning given to it under Condition 4 of the Current Issuer Notes; "DESIGNATED SUBSIDIARY" means a designated subsidiary of the Current Issuer Post-Enforcement Call Option Holder, to be designated by notice from the Current Issuer Post-Enforcement Call Option Holder to the Note Trustee at the discretion of the Current Issuer Post-Enforcement Call Option Holder; "DETERMINATION DATE" means the first Business Day of any calendar month which includes a Payment Date; "DETERMINATION PERIOD" means the period from (and including) the Closing Date to (but excluding) the first Determination Date and thereafter from (and including) one Determination Date to (but excluding) the next Determination Date; "DISTRIBUTION COMPLIANCE PERIOD" means, in relation to the Current Issuer Notes, 40 days after the later of the commencement of the offering of the Current Issuer Notes and the Closing Date; "DOLLAR CURRENCY SWAP AGREEMENTS" means, in relation to the Current Issuer, the Current Issuer Dollar Currency Swap Agreements and for any other Issuer, the ISDA Master Agreements, Schedule and Confirmation(s) thereto entered into among such Issuer, the related Dollar Currency Swap Provider and the Note Trustee, 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 the Current Issuer Dollar Currency Swap Provider is the Defaulting Party or the Affected Party (as defined in the Current Issuer Dollar Currency Swap Agreements); "DOLLAR CURRENCY SWAP RATES" means, in relation to the Current Issuer, the Current Issuer Dollar Currency Swap Rates; "DOLLAR CURRENCY SWAPS" means, in relation to the Current Issuer, the Current Issuer Dollar Currency Swaps and for any other Issuer, the swap transaction(s) documented under the Dollar Currency Swap Agreements for such Issuer; "DOLLAR INTEREST DETERMINATION DATE" means two London Business Days before the first day of the Interest Period for which the rate will apply; "DOLLAR NOTES" means, in relation to the Current Issuer, the Series 1 Notes and, in relation to any other Issuer, the Notes issued by such Issuer in U.S. Dollars; "DOWNGRADE TERMINATION EVENT" in relation to the Current Issuer Basis Rate Swap Provider, has the meaning given to it in the Current Issuer Basis Rate Swap Agreement and in relation to any 14 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, Schedule and Confirmation(s) thereto entered into among such Issuer, the related Euro Currency Swap Provider and the Note Trustee, 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 INTEREST DETERMINATION DATE" means two TARGET Business Days before the first day of the Interest Period for which the rate will apply; "EURO NOTES" means in relation to the Current Issuer, the Series 2 Notes and, in relation to any other Issuer, the Notes issued by such Issuer in Euro; "EVENT OF DEFAULT" means, as the context requires, any of the following: (a) in relation to the Current Issuer Notes, a Current Issuer Note Event of Default; (b) in relation to Previous Issuer Notes issued by a Previous Issuer, a Note Event of Default pursuant to the Terms and Conditions of such Previous Issuer Notes; (c) in relation to the New Notes issued by any New Issuer, a Note Event of Default pursuant to the Terms and Conditions of such New Notes; (d) in relation to the Current Issuer Intercompany Loan Agreement, a Current Issuer Intercompany Loan Event of Default; 15 (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; "EXISTING MORTGAGE LOANS" means the Mortgage Loans in the Existing Mortgage Portfolio; "EXISTING MORTGAGE PORTFOLIO" means the portfolio of Initial Mortgage Loans and Further Mortgage Loans as it is constituted as of any date of determination prior to the Closing Date, taking account of, among other things, amortization of Mortgage Loans in that portfolio and the addition and/or removal of any Mortgage Loans to or from that portfolio since 26 March 2001; "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 January 2004; (b) in respect of the Series 1 Class A2 Notes and the Series 1 Class A3 Notes, the Payment Date falling in January 2020; and (c) and in respect of any other Current Issuer Notes, the Payment Date falling in January 2043; "FINAL REPAYMENT DATE" means, in respect of the Current Issuer Intercompany Loan, the Payment Date falling in [{circle}] and in relation to any other Intercompany Loan the date specified under the relevant Issuer Transaction Documents; "FINANCIAL YEAR" means, in relation to the Current Issuer, Holdings, the Mortgages Trustee, Funding and the Current Issuer Post Enforcement Call Option Holder, each twelve month period ending on the last day of the calendar year; "FIXED RATE RATIO" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "FIXED RATE SPREAD" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "FLEXIBLE RATIO" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "FLEXIBLE SPREAD" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "FLEXIBLE SWAP RATE" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "FORM OF PROXY" has the meaning specified in Schedule 4 to the Current Issuer Trust Deed; "FUNDING (CURRENT ISSUER) BANK ACCOUNT AGREEMENT" means the agreement entered into on the Closing Date among the Account Bank, Funding and others which governs the operation of the Funding (Current Issuer) GIC Account; "FUNDING (CURRENT ISSUER) GUARANTEED INVESTMENT CONTRACT" means the guaranteed investment contract entered into with respect to the Current Issuer among Funding, the Funding GIC Provider and 16 others 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 will be deposited amounts in respect of the related Current Issuer Reserve Fund and the Current Issuer Liquidity Reserve Fund, if any, established for the benefit of the Current Issuer, which account is held at the Account Bank and maintained subject to the terms of the related Funding (Current Issuer) Guaranteed Investment Contract, the related Funding (Current Issuer) Bank Account Agreement and the Funding Deed of Charge, or any additional or replacement account as may for the time being be in place with the prior consent of the Security Trustee; "FURTHER MORTGAGE LOANS" means any Mortgage Loan which was assigned by the Seller to the Mortgages Trustee on 28 September 2001 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; "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 (except, in any such case, a winding-up or dissolution for the purpose of a reconstruction or amalgamation the terms of which have been previously approved by the Security Trustee); (b) the Relevant Entity ceases or threatens to cease to carry on its business or stops payment or threatens to stop payment of its debts or is deemed unable to pay its debts within the meaning of section 123(a), (b), (c) or (d) of the Insolvency Act 1986 (as amended, modified or re-enacted) or becomes unable to pay its debts as they fall due or the value of its assets falls to less than the amounts of its liabilities (taking into account, for both these purposes, contingent and prospective liabilities) or otherwise becomes insolvent; (c) proceedings are initiated against the Relevant Entity under any applicable liquidation, administration, reorganisation (other than a reorganisation where the Relevant Entity is solvent) or other similar laws, save where such proceedings are being contested in good faith; or an administrative or other receiver, administrator or other similar official is appointed in 17 relation to the whole or any substantial part of the undertaking or assets of the Relevant Entity; or a distress, execution or diligence or other process is enforced upon the whole or any substantial part of the undertaking or assets of the Relevant Entity and in any of the foregoing cases it is not discharged within 30 London Business Days; or if the Relevant Entity initiates or consents to judicial proceedings relating to itself under any applicable liquidation, administration, insolvency, reorganisation or other similar laws or makes a conveyance or assignment for the benefit of its creditors generally; and in respect of the Current Issuer and Funding (for the purposes of this definition, a "RELEVANT ENTITY"), means: (a) except for the purposes of an amalgamation or restructuring as described in sub-clause (b) below, the Relevant Entity ceases or threatens to cease to carry on all or a substantial part of its business or the Relevant Entity is deemed unable to pay its debts within the meaning of section 123(1)(a), (b), (c) or (d) of the Insolvency Act 1986 (as amended, modified or re-enacted) or becomes unable to pay its debts within the meaning of section 123(2) of the Insolvency Act 1986 (as amended, modified or re-enacted); or (b) an order is made or an effective resolution is passed for the winding up of the Relevant Entity (except for the purposes of or pursuant to an amalgamation, restructuring or merger previously approved by the Note Trustee or the Security Trustee, as the case may be (or as approved in writing by an Extraordinary Resolution (as defined in the Current Issuer Trust Deed) of the Class A Noteholders); or (c) proceedings are otherwise initiated against the Relevant Entity under any applicable liquidation, insolvency, composition, reorganisation or other similar laws (including, but not limited to, presentation of a petition for an administration order) and (except in the case of presentation of a petition for an administration order) such proceedings are not, in the opinion of the Note Trustee or the Security Trustee (as the case may be), being disputed in good faith with a reasonable prospect of success; or an administration order being granted or an administrative receiver or other receiver, liquidator or other similar official being appointed in relation to the Relevant Entity or in relation to the whole or any substantial part of the undertaking or assets of the Relevant Entity; or an encumbrancer taking possession of the whole or any substantial part of the undertaking or assets of the Relevant Entity, or a distress, execution, diligence or other process being levied or enforced upon or sued out against the whole or any substantial part of the undertaking or assets of the Relevant Entity and such possession or process (as the case may be) not being discharged or not otherwise ceasing to apply within 30 days; or the Relevant Entity initiating or consenting to judicial proceedings relating to itself under applicable liquidation, insolvency, composition, reorganisation or other similar laws or making a conveyance or assignment for the benefit of its creditors generally; "INTEREST AMOUNTS" has the meaning given to it under Condition 4(d) of the Current Issuer Notes; "INTEREST DETERMINATION DATE" means, in relation to the Current Issuer Notes: (a) in respect of the US Notes, the date which is two London Business Days before the first day of the Interest Period for which the relevant interest rate will apply; (b) in respect of the Sterling Notes, in respect of the first interest period, the Closing Date, and in respect of subsequent Interest Periods, the first day of the Interest Period for which the relevant interest rate will apply; and (c) in respect of the Euro Notes, the date which is two TARGET Business Days before the first day of the Interest Period for which the relevant interest rate will apply; 18 "INTEREST PERIOD" means in relation to the Current Issuer Notes the period from (and including) a Payment Date (or in respect of the first Interest Period, the Closing Date) to (but excluding) the next following (or first) Payment Date; "ISSUER AMOUNT" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "JERSEY SECURED PROPERTY" means, as the context requires, the Current Issuer Jersey Secured Property or the Funding Jersey Secured Property; "JERSEY SECURITY INTEREST" means a Security Interest created in accordance with Jersey law pursuant to any relevant Transaction Document; "JUNIOR NOTEHOLDERS" means the holders for the time being of the Class C Notes; "JUNIOR NOTES" means, in relation to the Current Issuer, the Class C Notes; "LEAD MANAGERS" means, in relation to the Current Issuer Notes (1) in respect of the US Notes, Salomon Smith Barney Inc. and J.P. Morgan Securities Inc. and (2) in respect of the Reg S Notes, Salomon Brothers International Limited and J.P. Morgan Securities Ltd; "MANAGERS" means, in relation to the Reg S Notes issued by the Current Issuer, Salomon Brothers International Limited, J.P. Morgan Securities Ltd, Barclays Bank PLC, Bank Brussels Lambert S.A., Deutsche Bank AG London and UBS AG, acting through its business group UBS Warburg; "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 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; 19 "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 [{circle}] 2003 relating to the issue of the Reg S Notes and, in relation to Notes issued by any other Issuer, the offering circular relating to the Reg S Notes issued by such Issuer including, in each case, the Prospectus attached thereto; "OFFICERS' CERTIFICATE" means with respect to any Person, a certificate signed by any director or equivalent officer of such Person. Each such certificate shall include the statements provided for in Clause 16 of the Current Issuer Trust Deed if and to the extent required by the provisions thereof; "OPINION OF COUNSEL" means an opinion in writing signed by legal counsel who shall be acceptable to the Note Trustee and who may be counsel to the Current Issuer or to an affiliate of the Current Issuer or to such other party as the Note Trustee may from time to time agree. Each such opinion shall include the statements provided for in Clause 16 of the Current Issuer Trust Deed if and to the extent required by the provisions hereof; "PAYING AGENT AND AGENT BANK AGREEMENT" means, in relation to the Current Issuer, the Current Issuer Paying Agent and Agent Bank Agreement, in relation to any other Issuer, the Paying Agent and Agent Bank Agreement with respect to such Issuer as defined in the Issuer Master Definitions Schedule relating to such Issuer; "PAYING AGENTS" means the Principal Paying Agent and the US Paying Agent initially appointed as paying agents pursuant to the Current Issuer Paying and Agent Bank Agreement or, if applicable, any successor paying agents; "PAYMENT DATE" means, in relation to the Current Issuer Notes, the twentieth day of January, April, July and October in each year, beginning in April 2003 or if such day is not a Business Day, the next succeeding Business Day; "POOL FACTOR" has the meaning specified in Condition 5(C) of the Current Issuer Notes; "POTENTIAL CURRENT ISSUER EVENT OF DEFAULT" has the same meaning as "POTENTIAL NOTE EVENT OF DEFAULT"; "PRELIMINARY OFFERING CIRCULAR" means, in relation to the Current Issuer Notes, the preliminary offering circular dated [{circle}] January 2003 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 [{circle}] January 2003 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 20 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 [{circle}] 2003 relating to the US Notes and, in relation to Notes issued by any other Issuer, the prospectus relating to the US Notes issued by such Issuer; "PROXY" has the meaning specified in Schedule 4 to the Current Issuer Trust Deed; "RATE OF INTEREST" in relation to the Current Issuer Notes, has the meaning given in Condition 4 of the Current Issuer Notes and, in relation to Notes issued by any other Issuer, has the meaning set out in the Conditions of such Notes; "RATING AGENCIES" means S&P, Moody's and Fitch, and "RATING AGENCY" means any of them; "REASONABLE PRUDENT MORTGAGE LENDER" or "REASONABLE PRUDENT MORTGAGE LENDER" means a reasonably prudent prime residential mortgage lender lending to Borrowers in England and Wales 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 JPMorgan Chase Bank or any bank that replaces such bank; "REFERENCE LENDERS" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "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. [{circle}]) 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; 21 "SENIOR NOTEHOLDERS" means the holders for the time being of the Class A Notes; "SENIOR NOTES" means, in relation to the Current Issuer, the Class A Notes; "SERIES 1 CLASS A1 DOLLAR CURRENCY SWAP" means, in relation to the Current Issuer, the Sterling-Dollar currency swap transaction which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 1 Class A1 Notes in Dollars; "SERIES 1 CLASS A2 DOLLAR CURRENCY SWAP" means, in relation to the Current Issuer, the Sterling-Dollar currency swap transaction which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 1 Class A2 Notes in Dollars; "SERIES 1 CLASS 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 and to receive and pay amounts under the Series 1 Class A3 Notes in Dollars; "SERIES 1 CLASS A1 DOLLAR CURRENCY SWAP PROVIDER" means the Current Issuer Dollar Currency Swap Provider; "SERIES 1 CLASS A2 DOLLAR CURRENCY SWAP PROVIDER" means the Current Issuer Dollar Currency Swap Provider; "SERIES 1 CLASS A3 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 A2 GLOBAL NOTE CERTIFICATE" means the Global Note Certificate to be issued in respect of the Series 1 Class A2 Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "SERIES 1 CLASS 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 Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "SERIES 1 CLASS A GLOBAL NOTE CERTIFICATES" means the Series 1 Class A1 Global Note Certificate, 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 Class A2 Noteholders and the Series 1 Class A3 Noteholders or any of them; "SERIES 1 CLASS A1 NOTEHOLDERS" means the holders for the time being of the Series 1 Class A1 Notes; 22 "SERIES 1 CLASS A2 NOTEHOLDERS" means the holders for the time being of the Series 1 Class A2 Notes; "SERIES 1 CLASS A3 NOTEHOLDERS" means the holders for the time being of the Series 1 Class A3 Notes; "SERIES 1 CLASS A NOTES" means the Series 1 Class A1 Notes and the Series 2 Class A2 Notes or any of them; "SERIES 1 CLASS A1 NOTES" means the notes comprising the $[ ] Floating Rate Notes due January 2004 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 1 Class A1 Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 1 Class A1 Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "SERIES 1 CLASS A2 NOTES" means the notes comprising the $[ ] Floating Rate Notes due January 2020 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 1 Class A2 Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 1 Class A2 Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "SERIES 1 CLASS A3 NOTES" means the notes comprising the $[ ] Floating Rate Notes due January 2020 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 (Forms 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" means, in relation to the Current Issuer, the Sterling-Dollar currency swap transaction, which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 1 Class B Notes in Dollars; "SERIES 1 CLASS B DOLLAR CURRENCY SWAP PROVIDER" means the Current Issuer Dollar Currency Swap Provider; "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 $[______] Floating Rate Notes due January 2043 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 23 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" means, in relation to the Current Issuer, the Sterling-Dollar currency swap transaction, which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 1 Class C Notes in Dollars; "SERIES 1 CLASS C DOLLAR CURRENCY SWAP PROVIDER" means the Current Issuer Dollar Currency Swap Provider; "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 $[______] Floating Rate Notes due January 2043 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and includes any replacement Series 1 Class C Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 1 Class C Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "SERIES 1 GLOBAL NOTE CERTIFICATES" means collectively the Series 1 Class A Global Note Certificates, the Series 1 Class B Global Note Certificate 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 and the Series 1 Class C Notes; "SERIES 2 CLASS A 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 A Notes in Euro; "SERIES 2 CLASS A GLOBAL NOTE CERTIFICATE" means the Global Note Certificate to be issued in respect of the Series 2 Class A Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "SERIES 2 CLASS A NOTEHOLDERS" means the holders for the time being of the Series 2 Class A Notes; "SERIES 2 CLASS A NOTES" means the notes comprising the * [______] Floating Rate Notes due January 2043 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 2 Class A Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global 24 Note Certificates) of the Current Issuer Trust Deed) the Series 2 Class A Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "SERIES 2 CLASS B EURO CURRENCY SWAP" means, in relation to the Current Issuer, the Sterling-Euro currency swap transaction which enables the Current Issuer to receive and pay amounts under the Current Issuer Intercompany Loan in Sterling and to receive and pay amounts under the Series 2 Class B Notes in Euro; "SERIES 2 CLASS B 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 * [______] Floating Rate Notes due January 2043 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" 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 comprising the * [______] Floating Rate Notes due January 2043 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 2 Class C Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 2 Class C Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "SERIES 2 GLOBAL NOTE CERTIFICATES" means collectively the Series 2 Class A Global Note Certificate, the Series 2 Class B Global Note Certificate 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 and the Series 2 Class C Notes; "SERIES 3 CLASS A GLOBAL NOTE CERTIFICATE" means the Global Note Certificate to be issued in respect of the Series 3 Class A Notes pursuant to Clause 3.1 (Global Note Certificates) of the Current Issuer 25 Trust Deed in the form or substantially in the form set out in Schedule 1 of the Current Issuer Trust Deed; "SERIES 3 CLASS A NOTEHOLDERS" means the holders for the time being of the Series 3 Class A Notes; "SERIES 3 CLASS A NOTES" means the notes comprising the {pound-sterling}[______] Floating Rate Notes due January 2043 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 {pound-sterling}[______] Floating Rate Notes due January 2043 constituted by the Current Issuer Trust Deed in or substantially in the forms set out in Schedules 1 and 2 thereto and for the time being outstanding or, as the case may be, a specific number thereof and including any replacement Series 3 Class B Notes issued pursuant to Condition 13 and (except for the purposes of Clause 3.1 (Global Note Certificates) and Clause 3.2 (Forms of Global Note Certificates) of the Current Issuer Trust Deed) the Series 3 Class B Global Note Certificate for so long as it has not been exchanged in accordance with the terms thereof; "SERIES 3 CLASS 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 {pound-sterling}[______] Floating Rate Notes due January 2043 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 GLOBAL NOTE CERTIFICATES" means collectively the Series 3 Class A Global Note Certificate, the Series 3 Class B Global Note Certificate and the Series 3 Class C Global Note Certificate and "SERIES 3 GLOBAL NOTE CERTIFICATE" means any one of them; "SERIES 3 NOTES" means collectively the Series 3 Class A Notes, the Series 3 Class B Notes 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 26 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 April 2008; "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": (a) in respect of the Current Issuer Notes, means the test which is satisfied (1) on any Payment Date occurring on or after the fourth anniversary of the Closing Date; and (2) on any Payment Date on which (a) the percentage equal to the aggregate Principal Amount Outstanding of the Class B Notes and the Class C Notes as at that Payment Date over the aggregate Principal Amount Outstanding of the Current Issuer Notes as at that Payment Date is greater than (b) the product of (i) 2 and (ii) the percentage equal to the aggregate Principal Amount Outstanding of the Class B Notes and the Class C Notes as at the Closing Date over the aggregate Principal Amount Outstanding of the Current Issuer Notes as at the Closing Date; (b) in respect of any Previous Issuer Notes, has the meaning given to it in the Issuer Master Definitions Schedule relating to that Previous Issuer; or (c) in respect of any New Notes issued by any New Issuer, has the meaning given to it in the Issuer Master Definitions Schedule relating to that New Issuer; "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 Currency 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 ANCILLIARY 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; 27 "SWAP COLLATERAL AVAILABLE REVENUE AMOUNT" means, at any time, the amount of Swap Collateral which under the terms of the relevant Current Issuer Swap Agreement may be applied at that time in satisfaction of the relevant Current Issuer Swap Provider's obligations to the Current Issuer to the extent that such obligations relate to payments to be made in connection with the Current Issuer Pre-Enforcement Revenue Priority of Payments or Current Issuer Post- Enforcement Priority of Payments, as the case may be; "SWAP COLLATERAL CASH ACCOUNT" means an account opened in the name of the Current Issuer for the purpose of holding Swap Collateral in Cash and maintained in accordance with the terms of the Current Issuer Cash Management Agreement; "SWAP COLLATERAL EXCLUDED AMOUNT" means, at any time, the amount of Swap Collateral which may not be applied at that time in satisfaction of the relevant Current Issuer Swap Provider's obligations to the Current Issuer under the terms of the relevant Current Issuer Swap Agreement; "SWAP COLLATERAL LEDGER" means the ledger and any sub-ledgers maintained by the Current Issuer Cash Manager in the books of the Current Issuer in accordance with Clause 5.6 (Posted Collateral) of the Current Issuer Cash Management Agreement; "SWAP COLLATERAL SECURITIES ACCOUNT" means a securities account opened in the name of the Current Issuer for the purpose of holding Swap Collateral in the form of securities and maintained in accordance with the terms of the Current Issuer Cash Management Agreement; "SWAP PROVIDER AMOUNT" has the meaning given to it in the Current Issuer Basis Rate Swap Agreement; "SWAP REPLACEMENT PAYMENT" means any amount received by the Current Issuer from a replacement to any of the Current Issuer Swap Providers upon entry by the Current Issuer into an agreement with such replacement swap provider replacing a Current Issuer Swap Agreement which has terminated following the occurrence of a Downgrade Termination Event; "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 Administration Agreement; (e) the Cash Management Agreement; (f) the Funding Guaranteed Investment Contract; 28 (g) the Mortgages Trustee Guaranteed Investment Contract; (h) the Bank Account Agreement; (i) the Collection Bank Agreement; (j) the Share Trust Deed; (k) Corporate Services Agreement; and (l) Current Issuer Transaction Documents; "TRANSFER AGENT" means Citibank, N.A., acting through its Specified Office at 5 Carmelite Street, London EC4Y 0PA, and initially appointed by the Current Issuer under the Current Issuer Paying Agent and Agent Bank Agreement to administer the transfer of Current Issuer Notes, or such other person for the time being acting as Transfer Agent under the Current Issuer Paying Agent and Agent Bank Agreement; "TRUST DEED" means, in relation to the Current Issuer, the Current Issuer Trust Deed and, in relation to any other Issuer, the trust deed entered into on the relevant Closing Date constituting the Notes issued by such Issuer; "TRUSTEE ACTS" means both the Trustee Act 1925 and the Trustee Act 2000 of England and Wales; "UNDERWRITERS" means, in relation to the US Notes issued by the Current Issuer, Salomon Smith Barney Inc, J.P. Morgan Securities Inc., Lehman Brothers Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated and UBS Warburg; "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 29 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; a "GUARANTEE" means any guarantee, bond, indemnity, letter of credit, third party security or other legally binding assurance against financial loss granted by one person in respect of any indebtedness of another person, or any agreement to assume any indebtedness of any other person or to supply funds or to invest in any manner whatsoever in such other person by reason of, or otherwise in relation to, indebtedness of such other person; "INDEBTEDNESS" shall be construed so as to include any obligation (whether incurred as principal or as surety) for the payment or repayment of money, whether present or future, actual or contingent; a "MONTH" is a reference to a period starting on one day in a calendar month and ending on the numerically corresponding day in the next calendar month save that, where any such period would otherwise end on a day which is not a business day, it shall end on the next business day, unless that day falls in the calendar month succeeding that in which it would otherwise have ended, in which case it shall end on the preceding business day, provided that, if a period starts on the last business day in a calendar month or if there is no numerically corresponding day in the month in which that period ends, that period shall end on the last business day in that later month (and references to "MONTHS" shall be construed accordingly); "PARTY" shall be construed as a party to a particular agreement, as the case may be; "SUBSIDIARY" means, (a) a subsidiary within the meaning of Section 736 of the Companies Act 1985, and (b) unless the context requires otherwise, a subsidiary undertaking within the meaning of Section 258 of the Companies Act 1985; "VAT" means value added tax imposed by the United Kingdom as referred to in the Value Added Tax Act 1994 and legislation (whether delegated or otherwise) replacing the same or supplemental thereto or in any primary or subordinate legislation promulgated by the European Union or any official body or agency thereof, and any similar turnover tax replacing or introduced in addition to any of the same; 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, 30 reorganisation, dissolution, administration, arrangement, adjustment, protection or relief of debtors. 2.1 "{pound-sterling}", "STERLING", "STERLING" or "POUNDS STERLING" denotes the lawful currency for the time being of the United Kingdom of Great Britain and Northern Ireland; "*", "EURO" or "EURO" denotes the lawful currency for the time being of the member states of the European Union that adopt the single currency introduced at the start of the third stage of European Economic Monetary Union pursuant to the Treaty of Rome of 25th March, 1957, establishing the European Community as amended from time to time and as amended by, inter alia, the Treaty of European Union of 7th February, 1992; "$", "US$", "US DOLLARS", "DOLLARS" or "DOLLARS" denotes the lawful currency for the time being of the United States of America. 2.2 In this Issuer Master Definitions Schedule and in any of the Transaction Documents in which this Issuer Master Definitions Schedule is expressed to be incorporated or to which this Issuer Master Definitions Schedule is expressed to apply: (a) words denoting the singular number only shall include the plural number also and vice versa; (b) words denoting one gender only shall include the other genders; (c) words denoting persons only shall include firms and corporations and vice versa; (d) references to any statutory provision shall be deemed also to refer to any statutory modification or re-enactment thereof or any statutory instrument, order or regulation made thereunder or under any such re-enactment; (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. 31 SCHEDULE 1 STANDARD DOCUMENTATION PART 1 DOCUMENTS USED IN THE ORIGINATION OF ANY MORTGAGE TYPE
SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES A MORTGAGE BROCHURES A1 Hard to beat - Mortgages - An Introduction Dev 3 1.6.95 From 1 Jun 1995 to Apr 1997 Northern Rock Building Society A2 Mortgages - A guide to costs Dev 143 1.7.95 From 1 Jul 1995 to Jul 1995 Northern Rock Building Society A3 Mortgages - A guide to costs Dev 143 14.7.95 From 14 Jul 1995 to Sep 1995 Northern Rock Building Society A4 Mortgages - A guide to costs Dev 143 4.9.95 From 4 Sep 1995 to Nov 1995 Northern Rock Building Society A5 Mortgages - A guide to costs Dev 143 30.11.95 From 30 Nov 1995 to Dec 1995 Northern Rock Building Society A6 Mortgages - A guide to costs Dev 143 13.12.95 From 13 Dec 1995 to Mar 1996 Northern Rock Building Society A7 Mortgages - A guide to costs Dev 143 8.3.96 From 8 Mar 1996 to Jun 1996 Northern Rock Building Society A8 Mortgages - A guide to costs Dev 143 10.6.96 From 10 Jun 1996 to Feb 1997 Northern Rock Building Society A9 Mortgages - A guide to costs Dev 143 11.2.97 From 11 Feb 1997 to Mar 1997 Northern Rock Building Society A10 You and your mortgage - The Mortgage Code [Introductory leaflet] A11 The Mortgage Code First Edition: March 1997 From Mar 1997 A12 Mortgages - A guide to costs Dev 143 27.3.97 From 27 Mar 1997 to May 1997 Northern Rock Building Society A13 Hard to beat - Mortgages - An Introduction Dev 3 10.4.97 From 10 Apr 1997 to Jul 1997 Northern Rock Building Society A14 Mortgages - A guide to costs Dev 143 6.5.97 From 6 May 1997 to Jul 1997 Northern Rock Building Society A15 Hard to beat - Mortgages - An Introduction Dev 3 1.7.97 From 1 Jul 1997 to Oct 1997 Northern Rock Building Society A16 Mortgages - A guide to costs - Hard to Beat Dev 143 11.7.97 From 11 Jul 1997 to Oct 1997 Northern Rock Building Society A17 Hard to beat - Mortgages - An Introduction MAR 1 1.10.97 From 1 Oct 1997 to Dec 1997 Northern Rock plc A18 Mortgages - A guide to costs - Hard to Beat MAR 2 1.10.97 From 1 Oct 1997 to Nov 1997 Northern Rock plc A19 Mortgages - A guide to costs - Hard to Beat MAR 2 12.11.97 From 12 Nov 1997 to Feb 1998 Northern Rock plc
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES A20 Hard to beat - Mortgages - An Introduction MAR 1 15.12.97 From 15 Dec 1997 to Feb 1998 Northern Rock plc A21 Hard to beat - Mortgages - An Introduction MAR 1 12.2.98 From 12 Feb 1998 to Oct 1998 Northern Rock plc A22 Mortgages - A guide to costs - Hard to Beat MAR 2 12.2.98 From 12 Feb 1998 to Jun 1998 Northern Rock plc A23 The Mortgage Code Second Edition: April 1998 From Apr 1998 A24 Mortgages - A guide to costs - Hard to Beat MAR 2/8267 17.6.98 From 17 Jun 1998 to Oct 1998 Northern Rock plc A25 Mortgages - A guide to costs - Hard to Beat MAR 2/8528 8.10.98 From 8 Oct 1998 to Nov 1998 Northern Rock plc A26 Hard to beat - Mortgages - An Introduction MAR 1 23.10.98 From 23 Oct 1998 to Feb 1999 Northern Rock plc A27 Mortgages - A guide to costs - Hard to Beat MAR 2/8600 5.11.98 From 5 Nov 1998 to Jan 1999 Northern Rock plc A28 Mortgages - A guide to costs - Hard to Beat MAR 2/8729 7.1.99 From 7 Jan 1999 to Feb 1999 Northern Rock plc A29 Mortgages - A guide to costs - Hard to Beat MAR 2/8789 4.2.99 From 4 Feb 1999 to Apr 1999 Northern Rock plc A30 Mortgages - An Introduction MAR 1 25.2.99 From 25 Feb 1999 to Jun 1999 Northern Rock plc A31 Mortgages - A guide to costs - Hard to Beat MAR 2/8923 13.4.99 From 13 Apr 1999 to Jun 1999 Northern Rock plc A32 Mortgages - the details MAR 23/8958 16.6.99 From 16 Jun 1999 to Jan 2000 Northern Rock plc A33 Mortgages - the costs MAR 244/8958 16.6.99 From 16 Jun 1999 to Jun 1999 Northern Rock plc A34 Mortgages - the costs MAR 244/9115 28.6.99 From 28 Jun 1999 to Nov 1999 Northern Rock plc A35 Mortgages - the costs MAR 244/9489 9.11.99 From 9 Nov 1999 to Jan 2000 Northern Rock plc A36 Mortgages - the details MAR 235/9611 4.1.2000 From 4 Jan 2000 to May 2000 Northern Rock plc A37 Mortgages - the costs MAR 244/9679 17.1.2000 From 17 Jan 2000 to Mar 2000 Northern Rock plc A38 Be straight with me - Mortgage costs in black and white MAR 244/9815 4.3.2000 From 4 Mar 2000 to Apr 2000 Northern Rock plc A39 Be straight with me - Mortgage costs in black and white MAR 244/10029 27.4.2000 From 27 Apr 2000 to Jan 2001 Northern Rock plc A40 Give me the facts - Mortgage details explained MAR 235/9666 and 5.2000 From 1 May 2000 to Oct 2000 Northern Rock plc A41 Give me a choice - Mortgage deals to suit everyone MAR 236/10198 and 28.6.2000 From 28 Jun 2000 to Aug 2000 Northern Rock plc
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES A42 Give me a choice - Mortgage deals to suit everyone MAR 236/10332 From 4 Aug 2000 Northern Rock plc 4.8.2000 A43 Give me the facts - Mortgage details explained MAR 235/10554 and From Oct 2000 to Jan 2001 Northern Rock plc 10.2000 A44 Give me the facts MAR 235/10899 From 10 Jan 2001 to Sep 2001 Northern Rock plc A45 Be straight with me - Mortgage costs in black and MAR 244/10868 From 10 Jan 2001 to Feb 2001 white 10.1.2001 Northern Rock plc A46 Be straight with me - Mortgage costs in black and MAR 244/10998 From 8 Feb 2001 to Apr 2001 white 8.2.2001 Northern Rock plc A47 Be straight with me - Mortgage costs in black and MAR 244/11170 From 5 Apr 2001 to May 2001 white 5.4.2001 Northern Rock plc A48 Be straight with me - Mortgage costs in black and MAR 244/11281 From 10 May 2001 to Aug 2001 white 10.5.2001 Northern Rock plc A49 Be straight with me - Mortgage costs in black and MAR 244/11592 From 2 Aug 2001 to Sep 2001 white 2.8.2001 Northern Rock plc A50 Give me the facts MAR 235/11679 From 3 Sep 2001 Northern Rock plc 3.9.2001 A51 Be straight with me - Mortgage costs in black and MAR 244/11592 From 3 Sep 2001 to Sep 2001 white 3.9.2001 Northern Rock plc A52 Be straight with me - Mortgage costs in black and MAR 244/11807 From 19 Sep 2001 to Oct 2001 white 19.9.2001 Northern Rock plc A53 Be straight with me - Mortgage costs in black and MAR 244/11855 From 4 Oct 2001 to Nov 2001 white 4.10.2001 Northern Rock plc A54 Be straight with me - Mortgage costs in black and MAR 244/11973 From 8 Nov 2001 white 8.11.2001 Northern Rock plc 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 B2 Update 2nd October 2000 MAR 236 2.10.2000 From 02 Oct 2000 B3 Update 22nd November 2000 MAR 236 22.11.2000 From 22 Nov 2000 B4 Update 10th January 2001 MAR 236 10.1.2001 From 10 Jan 2001 B5 Update 1st February 2001 MAR 236 1.2.2001 From 01 Feb 2001 B6 Update 12th February 2001 MAR 236 12.2.2001 From 12 Feb 2001
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES B7 Update 22nd February 2001 MAR 236 22.2.2001 From 22 Feb 2001 B8 Update 6th April 2001 MAR 236 6.4.2001 From 06 Apr 2001 B9 Update 10th May 2001 MAR 236 10.5.2001 From 10 May 2001 B10 Update 22nd June 2001 MAR 236 22.6.2001 From 22 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 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
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES C18 Mortgage Update 18th January 1996 Dev 291 From 18 Jan 1996 C19 Mortgage Update 25th January 1996 Dev 291 From 25 Jan 1996 C20 Mortgage Update 12th March 1996 Dev 291 From 12 Mar 1996 C21 Mortgage Update 22nd April 1996 Dev 291 From 22 Apr 1996 C22 Mortgage Update 10th June 1996 Dev 291 From 10 Jun 1996 C23 Mortgage Update 2nd September 1996 Dev 291 From 02 Sep 1996 C24 Mortgage Update 21st October 1996 Dev 291 From 21 Oct 1996 C25 Mortgage Update 11th November 1996 Dev 291 From 11 Nov 1996 C26 Mortgage Update 3rd January 1997 Dev 291 From 03 Jan 1997 C27 Mortgage Update 11th February 1997 Dev 291 From 11 Feb 1997 C28 Guide to Mortgages Dev 434 From 04 Apr 1997 C29 Mortgage Update Dev 435 From 04 Apr 1997 C30 Mortgage Update 28.5.97 Dev 435 From 28 May 1997 C31 Mortgage Update 9.6.97 Dev 435 From 09 Jun 1997 C32 Mortgage Update 25.6.97 Dev 435 From 25 Jun 1997 C33 Mortgage Update 11.8.97 Dev 435 From 11 Aug 1997 C34 Mortgage Update 3.9.97 Dev 435 From 03 Sep 1997 C35 Mortgage Update 17.9.97 Dev 435 From 17 Sep 1997 C36 Mortgage Update - Issue No 1 MAR 35 From 03 Nov 1997 C37 Mortgage Update - Issue No 2 MAR 35 From 12 Nov 1997 C38 Mortgage Update - Issue No 3 MAR 35 From 16 Dec 1997 C39 Mortgage Update - Issue No 5 MAR 35 From 29 Jan 1998 C40 Mortgage Update - Issue No 6 MAR 35 From 12 Feb 1998 C41 Mortgage Update - Issue No 7 MAR 35 From 01 Apr 1998 C42 Mortgage Update - Issue No 8 MAR 35 From 06 May 1998 C43 Mortgage Update - Issue No 9 MAR 35 From 17 Jun 1998 C44 Mortgage Update - Issue No 9 MAR 35 From 01 Jul 1998 C45 Mortgage Update - Issue No 10 MAR 35 From 08 Aug 1998 C46 Mortgage Update - Issue No 11 MAR 35 From 19 Sep 1998 C47 Mortgage Update - Issue No 12 MAR 35 From 08 Oct 1998 C48 Mortgage Update - Issue No 13 MAR 35 From 05 Nov 1998 C49 Mortgage Update - Issue No 14 MAR 35 From 07 Dec 1998 C50 Mortgage Update - Issue No 15 MAR 35 From 22 Jan 1999 C51 Mortgage Update - Issue No 16 MAR 35 From 04 Feb 1999 C52 Mortgage Update - Issue No 17 MAR 35 From 06 Mar 1999 C53 Mortgage Update - Issue No 18 MAR 35 From 13 Apr 1999 C54 Mortgage Update - Issue No 19 MAR 35 From 16 Jun 1999 C55 Mortgage Update - Issue No 20 MAR 35 From 28 Jul 1999 C56 Mortgage Update - Issue No 21 MAR 35 From 26 Aug 1999 C57 Together Flexible - Total Flexibility in One Loan C58 Mortgage Update - Issue No 22 MAR 35 From 09 Sep 1999 C59 Mortgage Update - Issue No 23 MAR 35 From 29 Sep 1999
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES C60 Mortgage Update - Issue No 24 MAR 35 From 09 Nov 1999 C61 Mortgage Update - Issue No 25 MAR 35 From 01 Dec 1999 C62 Mortgage Update - Issue No 26 MAR 35 From 04 Jan 2000 C63 Mortgage Update - Issue No 27 MAR 35 From 17 Jan 2000 C64 Mortgage Update - Issue No 28 MAR 35 From 10 Mar 2000 C65 Mortgage Update - Issue No 29 MAR 35 From 27 Apr 2000 C66 Mortgage Update - Issue No 30 MAR 35 From 07 Jun 2000 C67 Mortgage Update - Issue No 31 MAR 35 From 28 Jun 2000 C68 Mortgage Update - Issue No 32 MAR 35 From 04 Aug 2000 C69 Mortgage Update - Issue No 33 From 18 Sep 2000 C70 Mortgage Update - Issue No 34 From 02 Oct 2000 C71 Mortgage Update - Issue No 47 MAR035 From 08 Nov 2001 C72 Mortgage Update - Issue No 48 MAR035 From 05 Dec 2001 C73 Mortgage Update - Issue No 49 MAR035 From 07 Jan 2002 C74 Mortgage Update - Issue No 49 MAR035 From 16 Jan 2002 C75 Mortgage Update - Insert to be used in MAR035 From 16 Jan 2002 conjunction with Issue No 49 D MORTGAGE ADVICE - BORROWERS (i.e. given to Borrowers dealing directly with Northern Rock) D1 Mortgage Product Advice and Recommendation Valid From Sep 2000 September 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 F GENERAL CONDITIONS (USED ON REVERSE OF OFFER OF ADVANCE) F1 General Conditions [ADV6/1094] From Oct 1994 to Jun 1995 Northern Rock Building Society F2 General Conditions ADV6/0695 From Jun 1995 to Jul 1995 Northern Rock Building Society F3 General Conditions ADV6/0795 From Jul 1995 to Jan 1996 Northern Rock Building Society F4 General Conditions ADV6/0196 From Jan 1996 to Dec 1996 Northern Rock Building Society F5 General Conditions ADV6/1296 From Dec 1996 to ? Northern Rock Building Society F6 General Conditions ADV6B/1296 From Dec 1996 to Oct 1997 Northern Rock Building Society [Offer of Advance ADV6F/0396 on the reverse]
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES F7 General Conditions ADV6B/1097 From Oct 1997 to Dec 1997 Northern Rock plc F8 General Conditions ADV6B/1297 From Dec 1997 to Jan 1998 Northern Rock plc F9 General Conditions ADV6B/0198 From Jan 1998 to Jun 1998 Northern Rock plc F10 General Conditions ADV6B/0698 From Jun1998 to Jan 1999 Northern Rock plc F11 General Conditions ADV6B/0199 From Jan 1999 to Sep 1999 Northern Rock plc F12 General Conditions ADV6B/0999 From Sep 1999 to Mar 2000 Northern Rock plc F13 General Conditions ADV6B/0300 From Mar 2000 Northern Rock plc F14 Terms and Conditions - Applicant Copy OBA1/0900 on cover From Sep 2000 Northern Rock plc OBA2/0900 on reverse F15 Terms and Conditions - Solicitor Copy OBS1/0900 on cover From Sep 2000 Northern Rock plc OBS2/0900 on reverse F16 Terms and Conditions - Applicant Copy OBA1/0101 on cover From Jan 2001 Northern Rock plc OBA2/0101 on reverse F17 Terms and Conditions - Solicitor Copy OBA1/0101 on cover From Jan 2001 Northern Rock plc OBA2/0101 on reverse F18 General Conditions ADV282/ July 2001 From July 2001 Northern Rock plc 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 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
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES H5 Agreement and Undertaking UNDERTAK From June 2000 Northern Rock plc June 2000 I MORTGAGES OF LIFE POLICIES/INDIVIDUAL SAVERS ACCOUNT (ISA) POLICY SCHEME I1 Mortgage of Life Policy SEC 16 From Feb 1994 Northern Rock Building Society /02.94 I2 Mortgage of Life Policy SEC 16 From Jun 1995 Northern Rock Building Society /06.95 I3 Mortgage of Life Policy SEC 16T From Oct 1997 Northern Rock Building Society/Northern Rock plc /10.97 I4 Mortgage of Life Policy SEC 16 From Oct 1997 Northern Rock plc /10.97 I5 Notice of Assignment of Life Policy ADV 29 From Nov 1999 /11.99 I6 Individual Savers Account (ISA) Policy Arrangements form JAGO2/0500 From May 2000 I7 Deed of Guarantee SOL013 / From Jul 2001 Northern Rock plc July 2001 J CERTIFICATES OF TITLE/REPORTS ON TITLE AND INSTRUCTIONS TO SOLICITORS J1 Report on Title and Funds Request (including Instructions to Solicitors/Licensed MA55 01/94 From Jan 1994 Conveyancers) Northern Rock Building Society J2 Report on Title and Funds Request (including Instructions to Solicitors/Licensed MA55 From Apr 1996 Conveyancers) /04.96 Northern Rock Building Society J3 Report on Title and Funds Request (including Instructions to Solicitors/Licensed MA55 From Jan 1997 Conveyancers) /01.97 Northern Rock Building Society J4 Report on Title and Funds Request (including Instructions to Solicitors/Licensed MA55 From Oct 1997 Conveyancers) /10.97 Northern Rock plc J5 Report on Title and Funds Request (including Instructions to Solicitors/Licensed MA55 From Feb 1998 Conveyancers) /02.98 Northern Rock plc J6 Report on Title and Funds Request (including Instructions to Solicitors/Licensed MA55 From Apr 1998 Conveyancers) /04.98 Northern Rock plc J7 Part 2 Instructions (in relation to the CML Lenders' Handbook for England & Wales) Offers of Advance issued from Summer 1999[?] J8 Certificate of Title MA72 From Oct 1999 Northern Rock plc J9 Certificate of Title JAGO4/0500 From May 2000 Northern Rock plc
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES J10Part 2 Instructions (in relation to the CML Lenders' Offers of Advance issued from Handbook for England & Wales) 01 Jun 2000[?] J11Certificate of Title JAGO4/0700 From Jul 2000 Northern Rock plc J12Certificate of Title COT/0700 From Jul 2000 Northern Rock plc J13Part 2 Instructions (in relation to the CML Lenders' Offers of Advance issued from Handbook for England & Wales) late Summer 2000[?] J14Deeds Dematerialisation [Notice to solicitors] [From Apr 2000?] Northern Rock plc K SCHEDULES OF DOCUMENTS OF TITLE K1 Schedule of Documents of Title SEC From Nov 1994 Northern Rock Building Society 28/11.94 K2 Schedule of Documents of Title SEC From Jan 1996 Northern Rock Building Society 28/01.96 K3 Schedule of Documents of Title SEC28 From Oct 1997 Northern Rock plc /10.97 K4 Schedule of Documents of Title JAGO1/0500 From May 2000 Northern Rock plc JAGO1B/0500
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
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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 Northern Rock plc 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 1998 From May 1998 to ? Northern Rock Direct/Northern Rock plc N APPLICATION FORMS - SPECIALIST N1 Secured Personal Loan Application Form ADV 31. 1/99 From Jan 1999 Northern Rock plc N2 Secured Personal Loan Application Form ADV031 (8.5.2000) From May 2000 Northern Rock plc ADV031 (22.10.2001) O SPECIAL CONDITIONS FOR FIXED RATE MORTGAGES (USED WITH OFFER OF ADVANCE) O1 5 year Fixed Rate Mortgage AY From 15 Jul 1997 O2 5 year Fixed Rate Mortgage BA From 26 Jun 1997 O3 5 year Fixed Rate Mortgage BH From 03 Sep 1997 O4 5 year Fixed Rate Mortgage BQ From 17 Sep 1997 O5 5 year Fixed Rate Mortgage BS From 01 Jan 1997 [Query date - should be Nov?] O6 5 year Fixed Rate Mortgage BT From 01 Nov 1997 [Other dates?] O7 5 year Fixed Rate Mortgage CF From 22 Jan 1998 O8 5 year Fixed Rate Mortgage CJ From 01 Apr 1998 O9 5 year Fixed Rate Mortgage CK From 01 Apr 1998 O10 5 year Fixed Rate Mortgage CM From 06 May 1998 O11 5 year Fixed Rate Mortgage CP From 17 Jun 1998 O12 5 year Fixed Rate Mortgage CU From 01 Jul 1998 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
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES 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 P SPECIAL CONDITIONS FOR VARIABLE RATE MORTGAGES (USED WITH OFFER OF ADVANCE) P1 Variable Rate Mortgage - Cashback 6B From 30 Nov 1995 P2 Variable Rate Mortgage - Cashback without insurance 9B From 03 Jan 1996 P3 Variable Rate Mortgage - Cashback without insurance C5 From 11 Aug 1997 [Query date - should be 1996?] P4 Variable Rate Mortgage - Cashback without insurance C7 From 02 Sep 1996 P5 Variable Rate Mortgage - Cashback without insurance C9 From 02 Sep 1996 P6 3 year Discounted Variable Rate Mortgage J9 and J0 From 25 Jun 1998 [Other dates ?] P7 Variable Rate Mortgage - 5% Cashback P5 From 25 Jun 1997 [Other dates ?] P8 Variable Rate Mortgage - 6% Cashback P6 From 03 Sep 1997 [Other date ?] P9 Variable Rate Mortgage - Cashback 7P and 8P From 22 Jan 1998 P10 3 year Discounted Variable Rate Mortgage M1 to [M6 ?] From 22 Jan 1998 P11 Variable Rate Mortgage - Cashback S1 and S2 From 22 Jan 1998 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?]
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES P28 Variable Rate Mortgage - 5% Cashback JS From 29 Sep 1999 [Other dates?] P29 Variable Rate Mortgage - 7% Cashback JU From 04 Jan 2000 Q SPECIAL CONDITIONS FOR TRACKER, CAT STANDARD, CAPPED AND DISCOUNT FOR LIFE MORTGAGES (USED WITH OFFER OF ADVANCE) Q1 Discount for Life Variable Rate Mortgage X9 and X0 Q2 Discount for Life Variable Rate Mortgage 1X and 2X Q3 Discount for Life Variable Rate Mortgage 3X and 4X Q4 Discount for Life Variable Rate Mortgage 5X and 6X Q5 Discount for Life Variable Rate Mortgage 7X and 8X Q6 Capped Variable Rate Mortgage CB Q7 Discount for Life Variable Rate Mortgage L1 and L2 Q8 Discount for Life Variable Rate Mortgage L3 and L4 Q9 Discount for Life Variable Rate Mortgage L5 and L6 Q10 Discount for Life Variable Rate Mortgage L7 and L8 Q11 Discount for Life Variable Rate Mortgage 1L and 2L Q12 Discount for Life Variable Rate Mortgage 3L and 4L Q13 Discount for Life Variable Rate Mortgage 5L and 6L Q14 4 year Capped Variable Rate Mortgage EG Q15 4 year Capped Variable Rate Mortgage EF Q16 4 year Capped Variable Rate Mortgage ER Q17 Discount for Life Variable Rate Mortgage 8L 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
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USAGE PERIOD SABW DOCUMENT REFERENCE AND NOTES 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 ? R CREDIT/LOAN AGREEMENTS R1 Credit Agreement Regulated by the Consumer Credit Act 1974 - ACR1A/1097 on "Original" From Oct Flexible Plan ("Original" and "Copy" versions each with Conditions on ACR1B/1097 on "Copy" 1997 the reverse) Northern Rock plc ACR1Z/1097 on "Conditions" [Used for Flexible Plan Loans up to {pound-sterling}25,000] R2 Copy of Proposed Agreement Containing Your Right to Withdraw - ACR1Z/1097 on "Conditions" From Oct Flexible Plan (including Conditions on the reverse) 1997 Northern Rock plc [Used for Flexible Plan Loans up to {pound-sterling}25,000] R3 Loan Agreement - Flexible Plan [ACR2A/1097 on "Original" / "Copy"?] From Oct (including Conditions on the reverse) ACR2Z/1097 on "Conditions" 1997 Northern Rock plc [Check [Used for Flexible Plan Loans over {pound-sterling}25,000] reference of "Original"] R4 Credit Agreement Regulated by the Consumer Credit Act 1974 - Personal ADV135 10/97 on "Original" and "Copy" From Oct Secured Loan no ref on "Conditions") 1997 ("Original" and "Copy" versions each with Conditions on the reverse) Northern Rock plc [Used for Personal Secured Loans up to {pound-sterling}25,000 - Variable Rate] R5 Copy of Proposed Credit Agreement Containing Notice of Your Right to ADV135 10/97 on "Advance Copy" From Oct Withdraw - Personal Secured Loan no ref on "Conditions") 1998 ("Advance Copy" version including Conditions on the reverse) Northern Rock plc [Used for Personal Secured Loans up to {pound-sterling}25,000 - Variable Rate] R6 Credit Agreement Regulated by the Consumer Credit Act 1974 - Personal ADV135 10/97 on "Original" and "Copy" From Feb Secured Loan ADV135 /02.98 on "Conditions") 1998 ("Original" and "Copy" versions each with Conditions on the reverse) Northern Rock plc [Used for Personal Secured Loans up to {pound-sterling}25,000 - Variable Rate] R7 Credit Agreement Regulated by the Consumer Credit Act 1974 MAR 126 6/98 on "Original" and "Copy" From Jun ("Original" and "Copy" versions including Conditions on the reverse) no ref on "Conditions" 1998 Northern Rock plc [Used for Personal Secured Loans up to {pound-sterling}25,000 - Fixed Rate]
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USAGE PERIOD SABW DOCUMENT REFERENCE AND NOTES R8 Copy of Proposed Credit Agreement Containing Notice of Your Right to MAR 126 6/98 on "Advance Copy" From Jun 1998 Withdraw no ref on "Conditions" ("Advance Copy" version including Conditions on the reverse) Northern Rock plc [Used for Personal Secured Loans up to {pound-sterling}25,000 - Fixed Rate] R9 Copy of Proposed Agreement Containing Your Right to Withdraw - ACR2A/1097 on "Original" From Mar 2000 Flexible Plan ACR2Z/0300 on "Conditions" (including Conditions on the reverse) Northern Rock plc [Used for Flexible Plan Loans up to {pound-sterling}25,000] R10 Credit Agreement Regulated by the Consumer Credit Act 1974 MAR 126 4/00 on "Original" From Apr 2000 ("Original" version including Conditions on the reverse) no ref on "Conditions" Northern Rock plc [Used for Personal Secured Loans up to {pound-sterling}25,000 - Fixed Rate] R11 Credit Agreement Regulated by the Consumer Credit Act 1974 CA135A/0900 on "Original" From Sep 2000 ("Original" and "Copy" versions each with Conditions on the reverse) CA135B/0900 on "Copy" Northern Rock plc CA135Z/0900 on "Conditions" [Used for Personal Secured Loans up to {pound-sterling}25,000 - Variable Rate] R12 Copy of Proposed Agreement Containing Notice of Your Right to Withdraw CA135C/0900 on "Advance Copy" From Sep 2000 ("Advance Copy" version with Conditions on the reverse) CA135Z/0900 on "Conditions" Northern Rock plc [Used for Personal Secured Loans up to {pound-sterling}25,000 - Variable Rate] R13 Credit Agreement Regulated by the Consumer Credit Act 1974 CA126A/0900 on "Original" From Sep 2000 ("Original" and "Copy" versions each with Conditions on the reverse) CA126B/0900 on "Copy" Northern Rock plc CA126Z/0900 on "Conditions" [Used for Personal Secured Loans - Variable Rate] R14 Copy of Proposed Agreement Containing Notice of Your Right to Withdraw CA126C/0900 on "Advance Copy" From Sep 2000 ("Advance Copy" version with Conditions on the reverse) CA126Z/0900 on "Conditions" Northern Rock plc [Used for Personal Secured Loans - Variable Rate] R15 Credit Agreement Regulated by the Consumer Credit Act 1974 - Flexible ACR1A/1000 on "Original" From Oct 2000 Plan ACR1B/1097 on "Copy" ("Original" and "Copy" versions each with Conditions on the reverse) ACR1Z/1097 on "Conditions" Northern Rock plc [Used for Flexible Plan Loans up to {pound-sterling}25,000]
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES R16 Loan Agreement - Flexible Plan ACR2B/1000 on "Original" From Oct 2000 ("Original" version with Conditions on the reverse) ACR2Z/1000 on "Conditions" Northern Rock plc [Used for Flexible Plan Loans over {pound-sterling}25,000] R17 Loan Agreement - Flexible Plan ACR2C/1000 on "Original" From Oct 2000 ("Original" version with Conditions on the reverse) ACR2Z/1000 on "Conditions" Northern Rock plc [Used for Flexible Plan Loans over {pound-sterling}25,000] S MORTGAGE DEEDS - GENERAL S1 Mortgage Deed (HMLR filing ref MD 144 E) SEC8/11.93 From Nov 1993 Northern Rock Building Society S2 Mortgage Deed (HMLR filing ref MD 144 F) SEC8/06.95 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 07007/01 From July 2001 Northern Rock plc S8 Mortgage Deed (HMLR filing ref MD691D) SOL 11 07/01 From July 2001 Northern Rock plc T MORTGAGE DEEDS - SPECIALIST T1 Mortgage Deed (HMLR filing ref MD 144 G) SEC54/06/95 From Jun 1995 Northern Rock Building Society [Used for Flexible Plan - Non-CCA Loans] T2 Mortgage Deed (relating to a Regulated Agreement under the SEC 52/06/95 From Jun 1995 Consumer Credit Act 1974) (HMLR filing ref MD 144 H) Northern Rock Building Society [Used for Flexible Plan CCA Loans] T3 Mortgage Deed (HMLR filing ref MD 144 J) SEC 44/06/95 From Jun 1995 Northern Rock Building Society [Used for Flexible Plan - Non-CCA Loans] T4 Mortgage Deed (relating to a Regulated Agreement under the SEC 52. 10/97 From Oct 1997 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]
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES T7 Mortgage Deed (HMLR filing ref MD542 N) SEC 54.04.98 From Apr 1998 Northern Rock plc [Used for Flexible Plan - Non-CCA Loans] T8 Mortgage Deed (relating to a Regulated Agreement under the SEC 52.03/00 From Mar 2000 Consumer Credit Act 1974) (HMLR filing ref MD 542 M) Northern Rock plc [Used for Flexible Plan CCA Loans] T9 Mortgage Deed (HMLR filing ref MD 542L) MD2/0900 on cover and From Sep 2000 Northern Rock plc MD2B/0900 on reverse [Used for Flexible Plan - Non-CCA Loans] T10 Mortgage Deed (relating to a Regulated Agreement under the MD1/0900 on cover and From Sep 2000 Consumer Credit Act 1974) MD1B/0900 on reverse (HMLR filing ref MD 542 M) Northern Rock plc [Used for Flexible Plan CCA Loans]
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 [Together Flexible] MAR 272/9255 From Sep 1999 Northern Rock plc 15.9.99 U5 together flexible - one loan one rate one call -all you need to know [Together MAR 273/9255 From Sep 1999 Flexible] 15.9.99 Northern Rock plc U6 take control of your money and get more out of life - together [Together] MAR 305/9511 From Dec 1999 Northern Rock plc 20.12.99 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 intertwined flowers on cover] [Together] MAR 173 2.99 From Feb 1999 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 intertwined flowers on cover] [Together] MAR 192 3.99 From Mar 1999 Northern Rock plc
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES U12 together - a guide to costs [Together] MAR 238 14.6.99 From Jun 1999 Northern Rock plc U13 [all you need to know - together] [Picture of intertwined flowers on cover] [Together] MAR 239 16.6.99 From Jun 1999 Northern Rock plc U14 together - a guide to costs [Together] MAR 302/9511 20.12.99 From Dec 1999 Northern Rock plc U15 together flexible - a guide to costs [Together Flexible] MAR 275/9255 15.9.99 From Sep 1999 Northern Rock plc U16 together - variable at only 6.6.9%pa 7.6%APR MAR 306/9657 17.1.2000 From Jan 2000 U17 What is it going to cost? [Together] MAR 302/9662 4.3.2000 From Mar 2000 Northern Rock plc U18 How does it work? [Together] MAR 303/9662 4.3.2000 From Mar 2000 Northern Rock plc U19 I want it all [Together] MAR 305/9662 4.3.2000 From Mar 2000 Northern Rock plc U20 What is it going to cost? [Together] MAR 302/10028 27.4.2000 From Apr 2000 Northern Rock plc U21 I want it all [Together] MAR 305/10028 27.4.2000 From Apr 2000 Northern Rock plc U22 What is it going to cost? [Together] MAR 302/10329 4.8.2000 From Aug 2000 Northern Rock plc U23 How does it work? [Together] MAR303/10141 4.8.2000 From Aug 2000 Northern Rock plc U24 I want it all [Together] MAR 305/10328 4.8.2000 From Aug 2000 Northern Rock plc U25 What is it going to cost? [Together] MAR 302/10521 2.10.2000 From Oct 2000 Northern Rock plc U26 What is it going to cost? [Together] MAR 302/10715 22.11.2000 From Nov 2000 Northern Rock plc U27 How does it work? [Together] MAR 303/10716 22.11.2000 From Nov 2000 Northern Rock plc U28 I want it all [Together] MAR 305/10717 22.11.2000 From Nov 2000 Northern Rock plc U29 I want it all [Together] MAR 305/10953 1.2.2001 From Feb 2001 Northern Rock plc U30 What is it going to cost? [Together] MAR 302/10999 12.2.2001 From Feb 2001 Northern Rock plc U31 How does it work? [Together] MAR 303/11069 1.3.2001 From Mar 2001 Northern Rock plc U32 Together what is it going to cost? 6th April 2001 [Together] MAR 302 6.4.2001 From Apr 2001 Northern Rock plc U33 I want it all [Together] MAR 305/11172 6.4.2001 From Apr 2001 Northern Rock plc U34 What's it going to cost? [Together Connections] MAR 418/10935 1.5.2001 From May 2001 Northern Rock plc
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES U35 OK Shrink My Mortgage [Together Connections] MAR 419/10935 1.5.2001 From May 2001 Northern Rock plc U36 Together what is it going to cost? 10th May 2001 [Together] MAR 302 10.5.2001 From May 2001 Northern Rock plc U37 What's it going to cost? [Together Connections] MAR 418/11282 10.5.2001 From May 2001 Northern Rock plc U38 How does it work? [Together] MAR 303/11290 10.5.2001 From May 2001 Northern Rock plc U39 I want it all [Together] MAR 305/11289 10.5.2001 From May 2001 Northern Rock plc U40 Together what is it going to cost? 22nd June 2001 [Together] MAR 302 22.6.2001 From Jun 2001 Northern Rock plc U41 What's it going to cost? [Together Connections] MAR 418/11457 22.6.2001 From Jun 2001 Northern Rock plc U42 Together what is it going to cost? 2nd August 2001 [Together] MAR 302 2.8.2001 From Aug 2001 Northern Rock plc U43 What's it going to cost? [Together Connections] MAR 418/11593 2.8.2001 From Aug 2001 Northern Rock plc U44 How does it work? [Together] MAR 303/11577 2.8.2001 From Aug 2001 Northern Rock plc U45 OK Shrink My Mortgage [Together Connections] MAR 419/11578 2.8.2001 From Aug 2001 Northern Rock plc U46 I want it all [Together] MAR 305/11603 7.8.2001 From Aug 2001 Northern Rock plc U47 Together what is it going to cost? 3rd September 2001 [Together] MAR 302 3.9.2001 From Sep 2001 Northern Rock plc U48 What's it going to cost? [Together Connections] MAR 418/11706 3.9.2001 From Sep 2001 Northern Rock plc U49 How does it work? [Together] MAR 303/11756 10.9.2001 From Sep 2001 Northern Rock plc U50 OK Shrink My Mortgage [Together Connections] MAR 419/11758 10.9.2001 From Sep 2001 Northern Rock plc U51 I want it all [Together] MAR 305/11756 10.9.2001 From Sep 2001 Northern Rock plc U52 Together what is it going to cost? 19th September 2001 [Together] MAR 302 19.9.2001 From Sep 2001 Northern Rock plc U53 What's it going to cost? [Together Connections] MAR 418/11706 19.9.2001 From Sep 2001 Northern Rock plc U54 Together what is it going to cost? 4th October 2001 [Together] MAR 302 4.10.2001 From Oct 2001 Northern Rock plc
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES U55 What's it going to cost? [Together Connections] MAR 418/11706 From Oct 2001 Northern Rock plc 4.10.2001 U56 Together what is it going to cost? 8th November 2001 [Together] MAR 302 From Nov 2001 Northern Rock plc 8.11.2001 U57 What's it going to cost? [Together Connections] MAR 418/11706 From Nov 2001 Northern Rock plc 8.11.2001 U58 Together what is it going to cost? 5th December 2001 [Together] MAR 302 From Dec 2001 Northern Rock plc 5.12.2001 U59 What's it going to cost? [Together Connections] MAR 418/11706 From Dec 2001 Northern Rock plc 5.12.2001 U60 How does it work? [Together] MAR 303/12198 From Jan 2002 Northern Rock plc 8.1.2002 V APPLICATION FORMS V1 Get It Together Application Form - Together MAR176 2/99 From Feb 1999 Northern Rock plc V2 Get It Together Application Form - Together MAR198 3/99 From Mar 1999 Northern Rock plc V3 Get It Together Application Form - Together MAR242 6/99 From Jun 1999 Northern Rock plc V4 Get It Together Application Form - Together Flexible MAR271/9255 From Sep 1999 Northern Rock plc and 9/99 V5 Get It Together Application Form - Together MAR304/9511 From Dec 1999 Northern Rock plc and 12/99 V6 Get It Together Application Form MAR304. 6/00 From Jun 2000 Northern Rock plc W CREDIT/LOAN AGREEMENTS W1 Credit Agreement Regulated by the Consumer Credit Act 1974 - Drawdown Loan - DDL1/0299 on From Feb 1999 Original, First and Second Copies (each with Terms and Conditions) Original Northern Rock plc DDL2/0299 on [Used for Together Flexible Loans up to {pound-sterling}25,000] First Copy DDL3/0299 on Second Copy DDLB/0299 on Conditions W2 Credit Agreement Regulated by the Consumer Credit Act 1974 - Drawdown Loan - TFCA1/1099 From Oct 1999 Original, First Copy and Second Copy (each with Terms and Conditions) on Original [In conjunction Northern Rock plc TFCA2/1099 with Together [Used for Together Flexible Loans up to {pound-sterling}25,000] on First Flexible Mortgages. Copy TFCA3/1099 on Second Copy TFCAB/1099 on Conditions
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USAGE PERIOD SABW DOCUMENT REFERENCE AND NOTES W3 Credit Agreement Regulated by the Consumer Credit Act 1974 - Together Fixed - TFIX1/0200 on From Feb Original, First Copy and Second Copy (each with Terms and Conditions on reverse) Original 2000 Northern Rock plc TFIX2/0200 on [In [Used for Together Fixed Loans up to {pound-sterling}25,000] First Copy conjunction TFIX3/0200 on with Second Copy Together TFIXB/0200 on Fixed Conditions Mortgages.] W4 Credit Agreement Regulated by the Consumer Credit Act 1974 - Together Variable - TVCA1/0200 on From Feb Original, First Copy and Second Copy (each with Terms and Conditions on reverse) Original 2000 Northern Rock plc TVCA2/0200 on [In [Used for Together Variable Loans up to {pound-sterling}25,000] First Copy conjunction [TVCA3/0200?] with on Second Copy Together TVCAB/0200 on Variable Conditions Mortgages.] W5 Credit Agreement Regulated by the Consumer Credit Act 1974 - Together Variable - TVCA1/0200 on From Jan Original, First Copy and Second Copy (each with Terms and Conditions on reverse) Original 2001 Northern Rock plc TVCA2/0200 on [In [Used for Together Variable Loans up to {pound-sterling}25,000] First Copy conjunction [TVCA3/0200?] with on Second Copy Together TVCAB/0101 on Variable Conditions Mortgages.] W6 Together Connections Conditions MAR422 1.5.01 From Jan Northern Rock plc 2001 W7 Credit Agreement Regulated by the Consumer Credit Act 1974 - Together Variable - TVCA1/0200 on From May Original, First Copy and Second Copy (each with Terms and Conditions on reverse) Original 2001 Northern Rock plc TVCA2/0200 on [In [Used for Together Variable Loans up to {pound-sterling}25,000] First Copy conjunction [TVCA3/0200?] with on Second Copy Together TVCAB/0501 on Variable Conditions Mortgages.] W8 Credit Agreement Regulated by the Consumer Credit Act 1974 - Together Variable - TVCA1/0200 on From Aug Original, First Copy and Second Copy (each with Terms and Conditions on reverse) Original 2001 Northern Rock plc TVCA2/0200 on [In [Used for Together Variable Loans up to {pound-sterling}25,000] First Copy conjunction [TVCA3/0200?] with on Second Copy Together TVCAB/0801 on Variable Conditions Mortgages.] W9 Credit Agreement Regulated by the Consumer Credit Act 1974 - Together Variable - TVCA1/0200 on From Aug Original, First Copy and Second Copy (each with Terms and Conditions on reverse) Original 2001 Northern Rock plc TVCA2/0200 on [In [Used for Together Variable Loans up to {pound-sterling}25,000] First Copy conjunction [TVCA3/0200?] with on Second Copy Together TVCAB/1001 on Variable Conditions Mortgages.] X CREDIT CARD APPLICATIONS/ AGREEMENTS X1 Together Variable - Credit Card Application [ ] From [ ] (with Terms and Conditions on reverse) [In Northern Rock plc conjunction with Together Variable Mortgages.
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SABW DOCUMENT REFERENCE USAGE PERIOD AND NOTES X2 Together Variable - Credit Card Application CV4/1000 From Oct 2000 (with Terms and Conditions on reverse) [In conjunction with Northern Rock plc Together Variable Mortgages. [REQUEST BETTER COPY] X3 Northern Rock Credit Card Application Form MAR 151/M9C 22.3.99 From Mar 1999 (with Terms and Conditions) Northern Rock plc X4 Northern Rock Credit Card Application Form MAR 341 9.7.2001 from Jul 2001 (with Terms and Conditions on reverse) Northern Rock plc X5 Northern Rock Mortgage Credit Card [CCL/80A/2] From Mar 2001 (with Terms and Conditions on reverse) (CCL/ATA/2 15.3.2001 Northern Rock plc on Conditions) Y MORTGAGE DEEDS Y1 Mortgage Deed (HMLR filing ref MD 542Q) From Feb 1999 Northern Rock plc [Together] Y2 Mortgage Deed (HMLR filing ref MD 542T) SOL 1 From Oct 1999 ? Northern Rock plc [Together] Y3 Mortgage Deed (HMLR filing ref MD542Q) From Feb 1999 Northern Rock plc [Together] Y4 Mortgage Deed (HMLR filing ref MD542T) SOL 1 From Oct 1999 Northern Rock plc [Together Flexible] Y5 Mortgage Deed (HMLR filing ref MD542T) SOL 1 08/00. From Aug 2000 Northern Rock plc [Together] Y6 Mortgage Deed (HMLR filing ref MD542Z) SOL 1 02/01. From Feb 2001 Northern Rock plc [Together] Z SUPPLEMENTARY INSTRUCTIONS TO SOLICITORS Z1 [Together Mortgage - Reminder of documents to be sent with Report on Title] Z2 [Notice - Unsecured funds not available for purchase of property] UE1/0700 From Jul 2000 Z3 "Together" Flexible Loan Drawdown Loan Agreement - Addendum to Instructions to Solicitors/Licensed Conveyancers (with Certificate of Solicitor/Licensed Conveyancer on reverse) Z4 "Together" Flexible Loan Drawdown Loan Agreement - Addendum to Instructions TFDA/0700 From Jul 2000 to Solicitors/Licensed Conveyancers (with Certificate of Solicitor/Licensed Conveyancer on reverse) Z5 "Together" Loan Drawdown Loan Agreement - Addendum to Instructions to TFDA/0501 From May 2001 Solicitors/Licensed Conveyancers (with Certificate of Solicitor/Licensed Conveyancer on reverse)
52 SIGNATORIES SIDLEY AUSTIN BROWN & WOOD By: SIDLEY AUSTIN BROWN AND WOOD ALLEN & OVERY By: ALLEN & OVERY 53