GEMHF 1814 JUL08 B by nyut545e2

VIEWS: 23 PAGES: 32

									       Example
Submission Pack




                                        GEMHF 1814 JUL08 B




                  Second Mortgages
    It’s what we do. It’s who we are.
Contents
Document                                                  Page
Submission Form                                              1
KYC – Proof of Address: Bank Statement                       2
KYC – Proof of Name: Passport                                3
KYC – Verification: Driving Licence and Counterpart          4
Credit Agreement (Top Copy) England                          5
Direct Debit Mandate                                         6
Consolidation Authority                                      7
Payslips                                                 8 – 10
Commission Disclosure Letter                                11
Valuation Form                                          12 – 13
First Mortgage Questionnaire                            14 – 16
Application Form                                            17
Credit Agreement Advanced Copy (Lender Copy) England        18
Credit Search – Via FN Browser                          19 – 21
OS1R Form                                                   22
Land Registry Search                                    23 – 24


Scottish Cases Only
Standard Security                                           25
Scottish Search                                         26 – 27


Northern Ireland Cases Only
Mortgage Schedule – Northern Ireland                        28
Authority to First Mortgagees – GE Money Home Finance       29
                                                                  GEMHF 1814 JUL08 B




Authority to First Mortgagees – Wilson Nesbitt              30
First National Example Submission Pack
Item:    Submission Form
Pages:   1 of 1




         GE Money Home Finance
         2nd Mortgage Application Submission Form
          Application Number:                                                       Broker:
                                   123456                                                              A. BROKER
          Application Name:                                                         Broker Contact Name/Number:
                                   MARY SAMPLE                                                                              01234 567 890
          Full Pack                ✓    Part Pack                                         Status                       LTV                     85%
          With PPP (advised)                   With PPP (non-advised)                     Without PPP                  Advance        £        5000
          Mandatory Requirements                                                          Submitted        Broker/Underwriter Comments
          Know Your Customer Requirements (KYC)*                                                           (Specify type of proof)
             Proof of identity (Customer name)                                                 ✓           App 1_________ App 2_________
                                                                                                                     PASSPORT

             Proof of address*                                                                 ✓           App 1_________ App 2_________
                                                                                                                  BANK STATEMENT

             Proof of verification (covering both name & address)                              ✓                  DRIVING LICENCE
                                                                                                           App 1_________ App 2_________
                                                                                                                   COUNTERPART

          Credit Agreement/Legal Charge (top copy)                                             ✓
          Direct Debit Mandate                                                                 ✓
          Payslips/P60 (max 6 weeks old)                                                       ✓            App 1_________ App 2_________
                                                                                                                  3 WEEKLY
          Valuation/Proof of purchase price                                                    ✓                 FULL VALUATION
          FMQ** (6-12 mths employed/12 mths self cert/self-emp)                                ✓
          Application Form (original)                                                          ✓
          Credit Agreement/Legal Charge - (blue copy)                                          ✓
          Mortgage account number supplied                                                     ✓                         123456
          Declaration of Income (Self Cert only)
          Commission Disclosure Letter (signed)                                                ✓
          Legal Requirements                                                              Submitted        Broker/Underwriter Comments
          Land Registry office copy entries                                                    ✓
          OS1R Form                                                                            ✓
          Separate Legal Charge (top copy and blue copy if required)                          N/A
          K19/K15 Unregistered Land                                                           N/A
          Northern Ireland Authority (Wilson Nesbitt Solicitors)                              N/A
          Northern Ireland Authority (GE Money Home Finance)                                  N/A
          Northern Ireland Mortgage Schedule                                                  N/A
          Scottish Search (TMG)                                                               N/A
          Standard Security                                                                   N/A
          Additional Requirements                                                         Submitted        Broker/Underwriter Comments
          1st Mortgage Consent (if restriction) to inc. advance & PPP amount
          Redemption figure inc. 2nd charge                                                   N/A
          Proof of residency (1 year)                                                         N/A
          Credit Searches                                                                      ✓                 CREDIT SEARCH
          Birth/Marriage Certificate                                                           ✓
          No Further Interest letter                                                          N/A
          Consolidation Authority                                                             N/A
                                                                                               ✓
                                                                                                                                                      GEMHF 1461 JUL08 B (UPG 16.1)




          Form of Consent/Tenant Waiver
          K19/K15 Unregistered Land                                                           N/A
          Solicitors Undertaking                                                              N/A
          Council Discount                                                                    N/A
          Accountant’s Letter                                                                 N/A
          Request for TT                                                                      N/A
          Broker/Underwriter: Comments/Recommendations

                      DEAL FITS AT 85% LTV
         *Please consult the GE Money Home Finance 'Know Your Customer' (KYC) list which sets out the forms of documentary proof accepted by
                                                                                                                                                                                      GEMHF 1814 JUL08 B




         GE Money Home Finance.
         **If using an Equifax please ensure the mortgage account number is supplied.


         GE Money Home Finance Limited
         Registered Office 53-61 College Road Harrow Middlesex HA1 1FB Registered in England No 592986



                                                                            1
First National Example Submission Pack
Item:      KYC – Proof of Address: Bank Statement
Pages:     1 of 1




         ABANK                                                                       Contact tel 0845 321654
                                                                                               see reverse for call times
                                                                                       text phone 0845 987654
                                                                          used by deaf or speech impared customers
                                                                                                  www.abank.co.uk


         Miss Mary Sample
         15 A Street
         A Town
         A County
         AB2 3CD

                                                                   Account Summary
                                                                   Opening balance                              4,000.00
         333 4 // 4 5555 66666 77777 888888                        Payments In                                  2,500.00
                                                                   Payments Out                                 2,350.00
                                                                   Closing Balance                              4,150.00




         1 April to 30 April 2006                                  International Bank Account Number
                                                                   GB50MIDL412345678910
         Account Name
         Miss Mary Sample                                          Branch Indentifier Code
                                                                   MIDLGB2105A

                                                                   Sortcode     Account Number          Sheet Number
                                                                   03-02-01     42134567                3



         Your Flexible Saver Details
         Date               Payment type and details               Paid out          Paid in              Balance


         31 MAR 06                   BALANCE BROUGHT FORWARD                                              4,000.00
         08 Apr 06          TFR      012345 67890123                                 2,500.00             6,500.00
         15 Apr 06          DR       WITHDRAWN                     2,350.00                               4,150.00
         30 APR 06                   BALANCE CARRIED FORWARD                                              4,150.00
                                                                                                                            GEMHF 1814 JUL08 B




                                                               2
First National Example Submission Pack
Item:    KYC – Proof of Name: Passport
Pages:   1 of 1




                                             GEMHF 1814 JUL08 B




                                         3
First National Example Submission Pack
Item:    KYC – Verification: Driving Licence and Counterpart
Pages:   1 of 1




                                                               GEMHF 1814 JUL08 B




                                            4
First National Example Submission Pack
Item:                Credit Agreement (Top Copy) England
Pages:               1 of 1


  Fixed-Sum Loan Agreement regulated by the Consumer Credit Act 1974 secured on
      15 A STREET, A TOWN, A COUNTY
                                                                                                                                                    (“Property”)

  GE Money Home Finance Limited of 53-61 College Rd, Harrow, Middlesex HA1 1FB (GEMHF, the Creditor).
                                                First names (in full)                                                                   Surname
  1. Mr/Mrs/Miss/Ms             MARY SAMPLE
  2. Mr/Mrs/Miss/Ms
  Address     15 A STREET, A TOWN, A COUNTY
                                                                                                                                                                              Postcode       AB2 3CD
                                                                                         Key Financial Information

  A    Amount of credit to be released to the Customer                  £       5000 • 00                 E                                       120
                                                                                                              Number of monthly repayments ______. First monthly repayment to be made
                                                                                                                 1
                                                                                                              ______month(s) after GEMHF despatches the loan payment unless some other date is
                                                                                                              notified to the Customer in writing. Subsequent monthly repayments to be made on that
  B    Amount of credit for Protected Payments Plan                     £         854 • 85                    same day each month.
  C    Total amount of credit                                           £        5854 • 85                F   Monthly repayment                                                £             89 • 83
  D    Duration of the agreement                                               120    months              G   APR Variable                                                                 14 • 60           %

                                                                                        Other Financial Information

  H Cash price of Protected Payments Plan                               £                   •             K   Interest will be charged on the daily balance of any unpaid credit, any unpaid part of the
                                                                                   854           85           Broker's Fee, any unpaid part of the Application Assessment & Completion Costs and any unpaid
                                                                                                              interest and charges previously debited, and it will be debited to the Customer's account at
  I    Total charge for credit consisting of
                                                                                                              monthly intervals. GEMHF will notify the Customer in writing of the date when the first month’s
       Interest                      £         4225 • 75                                                      interest will be debited.
                                                                                                          L   In calculating the APR, no account has been taken of any variation which may occur in the rate or
       Broker Fee                    £         199 • 00                                                       amount of interest payable. The rate of interest will increase or decrease if and to the extent that
       Application Assessment                                                                                 there is any change in GE Money base lending rate (see Condition 1(3) and 3(2) on page 2). The
       & Completion Costs            £         500 • 00           Total £          4924 • 75                  amount of interest payable may also change if GEMHF exercises its discretion to change the
                                                                                                              payment date or the date on which interest is debited (see Condition 5 on page 2) or if GEMHF
                                                                                                              changes the amount or number of repayments, as it may do to take account of any change in the
  J    Annual rate of interest (variable)                                        10 • 88          %           interest rate or any additional payment made by the Customer or any default by the Customer, or if
                                                                                                              the Customer enters into any further loan agreement with GEMHF (see Condition 6(1) on page 2).
                                                                                                Key Information
  IMPORTANT – READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS                                                                               MISSING PAYMENTS
  The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with                        Missing payments could have severe consequences and make
  when this agreement was made. If they were not, the creditor cannot enforce this agreement without getting a court order.                   obtaining credit more difficult.
  The Act also gives you a number of rights:                                                                                                  GEMHF will charge any costs which it reasonably incurs as a
  1) You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the                        result of any breach of this agreement by the Customer(s) (see
      agreement Examples indicating the amount you have to pay appear in the agreement.                                                       Conditions 7(1)(b) and 8(1), (2) and 14 on page 2). If your
                                                                                                                                              monthly payments are in arrears you are charged a monthly
  2) If you received unsatisfactory goods or services paid for under this agreement, apart from any bought with a cash loan,                  arrears fee (see Condition 7(2) on page 2).
      you may have a right to sue the supplier, the creditor or both.
                                                                                                                                              If the monthly repayments are not made in full and on time, in
  3) If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue the creditor.
                                                                                                                                              accordance with the terms of this agreement, interest will be
  If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or                   charged on any interest element of a monthly repayment which
  your nearest Citizens’ Advice Bureau.                                                                                                       is overdue, from the date on which it falls due until the date it
  If you exercise your right to settle this agreement early, the following amounts will be payable for every £1000 borrowed:                  is paid, at the same rate of interest applying from time to time
  When a quarter of                              When half of                                When three quarters of                           under J above and Condition 3 on page 2.
  the term has elapsed £            861.68       the term has elapsed £       651.27         the term has elapsed £          375.36           If as a result of your request to do so we change your date of
                                                                                                                                              payment you may have to then pay additional interest (see
  These amounts are only illustrative, as they take no account of any variation, which might occur under the agreement.                       Condition 5(2) on page 2). There is a fee payable on early
                                                                                                                                              settlement of this agreement (see Condition 4 on page 2).
  You have no right to cancel this agreement under the Consumer Credit Act 1974, the Timeshare Act 1992, or the Financial
  Services (Distance Marketing) Regulations 2004.                                                                                             YOUR HOME MAY BE REPOSSESSED
                                                                                                                                              Your home may be repossessed if you do not keep up
                                                                                                                                              repayments on a mortgage or other debt secured on it.
      YOUR RIGHTS
      Under the Consumer Credit Act 1974, you should have been given a copy of this agreement at least seven days ago so                      By signing this agreement and Deed of Legal Charge, you will
      you could consider whether you wanted to go ahead. If the creditor did not give you a copy of this agreement he can                     be executing a second or subsequent mortgage over your
      only enforce it with a court order.                                                                                                     interest in the Property described above as security for your
                                                                                                                                              payment obligations under this agreement.

      This is a Credit Agreement regulated by the Consumer                  Legal Charge
      Credit Act 1974. Sign it only if you want to be legally bound
      by its terms.                                                         By this Deed of Legal Charge, the Customer hereby charges, with limited title guarantee, the Property described above,
                                                                            having registered title number _____________________ , by way of legal mortgage, with payment of all monies due
                                                                                                             BD12345
      Signature(s) of Customer(s)                                           now or at any future time from the Customer to GE Money Home Finance Limited under each and every agreement and
                                                                            on each and every account between them (unless any such agreement makes express provision to the contrary) on the
                                                                            conditions set out on page 2.
                                                                            In registering this Charge, we will pass the Credit Agreement, including the details of your loan, to HM Land Registry,
                                                                            where it may be seen by any person searching against your property at the Registry.
                                                                            Signature of witnesses - For use in registration.
                                                                            Signed and delivered as a Deed – by the Customer                     Signed and delivered as a Deed – by the Customer
                                                                                                                                                                                                                     GEMHF 1363 MAY06 B ▲




                                                                            in the presence of                                                   in the presence of
                                                                            Witness of 1st Customer’s signature.                                 Witness of 2nd Customer’s signature.
      Date(s) of signature(s)     21/06/2006                                Name MR B WITNESS                                                    Name
                                                                            Signature                                                            Signature

  I wish to purchase optional Protected Payments Plan                                D GARDENS, D TOWN
  Single Cover                  ✓                                           Address
                                                                                     D COUNTY FG7 HJ8
                                                                                                                                                 Address

                                                                            Occupation  B WORK                                                   Occupation
  Single Cover Plus

  Joint Cover                                                                  IMPORTANT - USE OF YOUR INFORMATION

  I understand that I am purchasing the product(s) ticked above             By signing this agreement, you confirm that you have read the information contained on the back of this page relating to the
  on credit provided by you and that the terms relating to the              way that we use your personal data.
                                                                                                                                                                                                                                            GEMHF 1814 JUL08 B




  credit for the products can be found above and on page 2 of
  this agreement.                                                           Broker’s name                                                                                                                   S03C
  Your signature(s):
                                                                            Signed on behalf of GE Money Home Finance Limited.

                                                                            _______________________________________________ date __________________ (Date of Agreement and Legal Charge)
  Form of Charge filed at H.M. Land Registry under reference MD977T
  Signature Copy                                                                                 Page 1 of 2                                           Regulated agreement – England (Standard)



                                                                                                      5
First National Example Submission Pack
Item:              Direct Debit Mandate
Pages:             1 of 1




  Instruction to your Bank or Building Society to pay by Direct Debit

  Please fill in the whole form using a ball point pen and send to:

                                                                                               Originator’s Identification Number          9    3    0    2   0    7

  GE Money Home Finance Limited                                                                        Reference
  53-61 College Road Harrow Middlesex HA1 1FB
                                                                                                        1 2 3 4 5 6 7 8 9 1 3 5 7 9 8 7 6 5


  Name and full postal address of your Bank or Building Society Branch
  To The Manager of WOOLWICH                                                                                                                                        Bank / Building Society

  Address      C AVENUE
               C TOWN
               C COUNTY                                                                                                                        Postcode       DE6 FG8

  Name(s) of Account Holder(s)
                                       M SAMPLE

                                                                                                                            FOR GE MONEY HOME FINANCE LIMITED OFFICIAL
  Branch Sort Code    0       2    -   0      2       -   0 0         (from the top right hand corner of your cheque).      USE ONLY
                                                                                                                            This is not part of the instruction to your Bank or
                                                                                                                            Building Society
  Bank or Building Society Account Number         1       2   3     4      5        6    7      8
                                                                                                                            Until I/we advise GE Money Home Finance Limited to the contrary,
                                                                                                                            I/we should like my/our payments to be taken
                                                                                                                            on the   0 1            of every month. I/we understand that if
                                                                                                                            my/our requested payment date does not fall within a particular
                                                                                                                            calendar month, the payment will be taken on the preceding day.
                                                                                                                            In addition, if my/our payment date does not fall on a working
                                                                                                                            day, the payment will be taken on the first working day thereafter.
 Instruction to your Bank or Building Society
 Please pay GE Money Home Finance Limited Direct Debits from the account detailed in this Instruction subject to the safeguards assured by the Direct Debit Guarantee.
 I understand that this Instruction may remain with GE Money Home Finance Limited and, if so, details will be passed electronically to my Bank/Building Society.




  Signature                                                                                    Signature


  Date                                                                                         Date                                                                                               GEMHF 1387 SEP05 B
               21/06/2006


  Banks and Building Societies may not accept Direct Debit Instructions for some types of account.

  ✁
 This guarantee should be detached and retained by the Payer.

  The Direct Debit Guarantee
  • This Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is
     monitored and protected by your own Bank or Building Society.
  • If the amounts to be paid or the payment dates change GE Money Home Finance Limited will notify you 10 working days in advance of your account

     being debited or as otherwise agreed.
  • If an error is made by GE Money Home Finance Limited or your Bank or Building Society, you are guaranteed a full and immediate refund from your
     branch of the amount paid.
  • You can cancel a Direct Debit at any time by writing to your Bank or Building Society. Please also send a copy of your letter to us.
                                                                                                                                                                                                                       GEMHF 1814 JUL08 B




  GE Money Home Finance Limited.
  Registered office 53-61 College Road Harrow Middlesex HA1 1FB. DX 4250 Harrow 2
  Telephone 0870 850 0850 Registered in England No 592986.


  If you would like this or any of our other documents supplied in an alternative format,
  e.g. large print, please send it back to us with your request and we will be pleased to help.

                                                                                                 6
First National Example Submission Pack
Item:    Consolidation Authority
Pages:   1 of 1




         Consolidation Details
         I/We wish to settle the following loans and/or credit cards from my advance


           Type of credit    Cheque made    Company Name         Balance       Monthly Payment             Please
                              payable to     Please provide                        of Loan            provide Account
                                                 details                         (3% of balance          Numbers
                                                                                 on credit cards)

           STORE CARD          GE MONEY     DEBENHAMS           £2,000                 £30            4555 6666 7777 8888




         I/We hereby consent the lender to pay off any of the loans as stated in the consolidation form as in
         its absolute discretion, considers appropriate, from under the proceeds of any loan made by the
         lender to me/us. We understand the lender will not pay off any of the above loans without
         informing me/us first.

          Signed (applicant one)                              Signed (applicant two)


                                     Date   01/06/2006                                         Date



         I/We hereby authorise the lender to clear any outstanding mortgage arrears I have on my mortgage
         account(s), from the proceeds of the secured loan.

          Signed (applicant one)                              Signed (applicant two)


                                     Date                                                      Date
                                                                                                                            GEMHF 1814 JUL08 B




                                                         7
First National Example Submission Pack
Item:       Payslips
Pages:      1 of 3


   A Employer UK Ltd.                        PAY ADVICE                          PAY DATE 25.06.2006                       3/2006

   Name   M Sample

   Unit                 :   Rosebury Unit                                        Home Address:         15 A Street
   Trading Outlet       :   123456                                                                     A Town
   Employee 23657       :   23657                                                                      A County
   NI Number            :   JA 55 55 A                                                                 AB2 3CD
   NI Catagory          :   A
   Tax Code             :   Cumulative                                                                 BT
   Tax Office Ref       :   551/D135

    Payment Item                 Rate          Unit       Total Amt       Deduction Item                     Amount     Balance

    Basic Pay                                               2482.83       Tax paid                           546.22
                                                                          National Insurance                 124.14




                                 TOTAL PAY                  2482.83       TOTAL DEDUCTIONS                   670.36     Payroll - BACS

                                                                                                   Net Overpayment      0.00

    TAX YEAR BALANCES                                                                                       NET PAY     1812.47

    Gross to date                   7,562.41
    Taxable Pay to date             7,562.41
    Non-Taxable Pay to date             0.00
    Tax Paid to date                  663.73
    NI Paid to date                   371.08
    Pension to date                     0.00
    Pension A.V.C to date               0.00                              Annual Salary                     30,000.00
    SSP paid                            0.00                              Hourly Rate
    SMP paid                            0.00                              Contractual Rate                      0.00

    PAYROLL NOTIFICATION                                                  Hol Acc this year
    Speak Up! You can now share your concerns IN CONFIDENCE with          Hol Taken this year
    an independant specialist and be assured that appropriate
    action will be taken by calling 0800-234-5678 or via the web          Lieu leave outstanding
    at www.employer-uk.com, see local posters for details.                Date of leaving




                                                                                                                                         GEMHF 1814 JUL08 B




                                                                      8
First National Example Submission Pack
Item:        Payslips
Pages:       2 of 3


    A Employer UK Ltd.                        PAY ADVICE                          PAY DATE 25.05.2006                       2/2006

    Name   M Sample

    Unit                 :   Rosebury Unit                                        Home Address:         15 A Street
    Trading Outlet       :   123456                                                                     A Town
    Employee 23657       :   23657                                                                      A County
    NI Number            :   JA 55 55 A                                                                 AB2 3CD
    NI Catagory          :   A
    Tax Code             :   Cumulative                                                                 BT
    Tax Office Ref       :   551/D135

     Payment Item                 Rate          Unit       Total Amt       Deduction Item                     Amount     Balance

     Basic Pay                                              2,596.75       Tax paid                           571.29
                                                                           National Insurance                 122.80




                                  TOTAL PAY                 2,596.75       TOTAL DEDUCTIONS                   694.09     Payroll - BACS

                                                                                                    Net Overpayment      0.00

     TAX YEAR BALANCES                                                                                       NET PAY     1,902.66

     Gross to date                   5,079.58
     Taxable Pay to date             5,079.58
     Non-Taxable Pay to date             0.00
     Tax Paid to date                1,117.51
     NI Paid to date                   246.94
     Pension to date                     0.00
     Pension A.V.C to date               0.00                              Annual Salary                     30,000.00
     SSP paid                            0.00                              Hourly Rate
     SMP paid                            0.00                              Contractual Rate                      0.00

     PAYROLL NOTIFICATION                                                  Hol Acc this year
     Speak Up! You can now share your concerns IN CONFIDENCE with          Hol Taken this year
     an independant specialist and be assured that appropriate
     action will be taken by calling 0800-234-5678 or via the web          Lieu leave outstanding
     at www.employer-uk.com, see local posters for details.                Date of leaving




                                                                                                                                          GEMHF 1814 JUL08 B




                                                                       9
First National Example Submission Pack
Item:        Payslips
Pages:       3 of 3


    A Employer UK Ltd.                        PAY ADVICE                           PAY DATE 25.04.2006                       01/2006

    Name   M Sample

    Unit                 :   Rosebury Unit                                         Home Address:         15 A Street
    Trading Outlet       :   123456                                                                      A Town
    Employee 23657       :   23657                                                                       A County
    NI Number            :   JA 55 55 A                                                                  AB2 3CD
    NI Catagory          :   A
    Tax Code             :   Cumulative                                                                  BT
    Tax Office Ref       :   551/D135

     Payment Item                 Rate          Unit       Total Amt        Deduction Item                     Amount     Balance

     Basic Pay                                              2,482.83        Tax paid                           546.22
                                                                            National Insurance                 124.14




                                  TOTAL PAY                 2,482.83        TOTAL DEDUCTIONS                   670.36     Payroll - BACS

                                                                                                     Net Overpayment      0.00

     TAX YEAR BALANCES                                                                                        NET PAY     1,812.47

     Gross to date                   2,482.83
     Taxable Pay to date             2,482.83
     Non-Taxable Pay to date             0.00
     Tax Paid to date                  546.22
     NI Paid to date                   124.14
     Pension to date                     0.00
     Pension A.V.C to date               0.00                               Annual Salary                     30,000.00
     SSP paid                            0.00                               Hourly Rate
     SMP paid                            0.00                               Contractual Rate                      0.00

     PAYROLL NOTIFICATION                                                   Hol Acc this year
     Speak Up! You can now share your concerns IN CONFIDENCE with           Hol Taken this year
     an independant specialist and be assured that appropriate
     action will be taken by calling 0800-234-5678 or via the web           Lieu leave outstanding
     at www.employer-uk.com, see local posters for details.                 Date of leaving




                                                                                                                                           GEMHF 1814 JUL08 B




                                                                       10
First National Example Submission Pack
Item:    Commission Disclosure Letter
Pages:   1 of 1




                                                                                                                           A
                                                                                                                           BROKER
                                                                                                                           A BROKER LIMITED
                                                                                                 23 High street New Town Bedfordshire NT1 BD4
                                                                                        T: 7890 123456 F: 7890 234567 E: info@abrokerlimited.co.uk




         Mary Sample
         15 A Street
         A Town
         A County
         AB2 3CD


         23 July 08




         Dear Customer,



         Consent to commission payment

         As payment for the work we are doing to arrange your loan and insurance, GE Money Home Finance
         Limited (“the Lender”) will pay us a commission or fee of £xxxx .

         We may also receive additional commission based on the number of borrowers we introduce to the
         Lender, which is usually a percentage of the total value of all loans that we arrange for the Lender.

         Any commission or fee we receive will not affect the amount you pay under your loan agreement or
         your agreement with us.

         We only arrange loans from a panel of lenders who pay us a commission or fee. Although this means
         that we may make more or less commission or fees according to which lender you borrow from, we
         always try to select the loan that is most suitable to your needs from the loan products offered by that
         panel of lenders. This usually means that we will offer you the loan with the lowest APR (Annual
         Percentage Rate) that is available to you. We will let you know if this is not the case.

         To enable your loan to be processed smoothly, please sign and return this letter to me. This is your con-
         sent for us to receive the payments outlined above from the Lender.

         Yours sincerely




         A Broker
         A Broker Limited


         I/we* have read and understood the above and agree to you receiving commission from the Lender.


                              MARY SAMPLE                                            23 JULY 08
         Ist Applicant’s Name_____________________Signature_____________________Date_____________
                                                                                                                                                     GEMHF 1814 JUL08 B




         2nd Applicant’s Name____________________Signature_____________________Date_____________

         *Delete as appropriate




                                                                 11
First National Example Submission Pack
Item:       Valuation Form
Pages:      1 of 2




                           A BROKER
                               MISS MARY SAMPLE                                           MISS M SAMPLE AND FAMILY
                                                                                                           M SAMPLE
                         020 8123 4567                           09876 543 210
                                                                                                   ✗
         15 A STREET
         A TOWN
         A COUNTY                                        AB2 3CD


                 5                                                  N/A
                ✗                             ✗
                                                                                                   ✗

                                          ✗                                                            ✗
                                       100




                               2                                                                           1                 1
                                                   2                      1


                                                             ✗                                                               NONE



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                                                                                                               RESIDENTIAL
                                                                              ✗                                                         ✗
                                                                                                                                        ✗
                                                  N/A
                                                                                 ✗                                                          ✗
                                                   N/A
                                                                                                                                            ✗

                                                                                                                                            ✗

     THE SUBJECT PROPERTY IS SITUATED IN AN ESTABLISHED                                                                                     ✗
     RESIDENTIAL AREA WITH CONVENIENT ACCESS TO LOCAL AMENITIES.
                                                                                                                                                GEMHF 1814 JUL08 B




     THE GENERAL CONDITION OF THE PROPERTY APPEARS CONSISTENT                                                                               ✗
     WITH ITS AGE AND TYPE OF CONSTRUCTION.




                                                                                     12
First National Example Submission Pack
Item:    Valuation Form
Pages:   2 of 2




                                                 ✗

                                                180,000
                                                  4


                                                170,000


                                                84,000
                                                 91M2




                                                176,800

            19 SIMILAR PLACE
            A TOWN
            A COUNTY                  JK8 9LM
                      AUGUST 2005
                            0.5
                                      ✗
                                                177,000

            20 SIMILAR PLACE
            A TOWN
            A COUNTY                  JK8 9LM

                            0.5
                                      ✗




                 CHARTERED SURVEYORS FROM IGROUP PANEL




                 29 MAY 2006
                 29 MAY 2006


                 MR VALUER
                        ✗
                                                               GEMHF 1814 JUL08 B




                                                          13
First National Example Submission Pack
Item:             First Mortgage Questionnaire
Pages:            1 of 3



                                                                                                                                                                   ALENDER
             Subsequent Chargees:                                                                                                                                          A Lender
                                                                                                                                                                           20 The High Road
                                                                                                                                                                           A Town
                                                                                                                                                                           A County
                                                                                                                                                                           AB8 7GH
                                                                                                                                                                           DX: 123456 Atown 20

                                                                                                                                                                           email: info@alender.co.uk
                                                                                                                                                                           www.alender.co.uk




             TITLE DETAILS

             Title Number:                              TTL 123456

             Tenure:                   Freehold
             Conveyance/Lease Details: N/A
             (unregistered land)

             BUILDINGS INSURANCE

             Company:                                   Royal & Sun Alliance

             Sum Insured:                               £158,000

             ADDITIONAL COMMENTS
             All requested payments on this account have been made.
             Highest arrears balance in the last 12 months: £0.00
             No DSS Status
             Buidling insurance policy number: 1234567

             Should you require our consent to register this charge, please provide answers to the following questions:

             1.   The gross amount of the charge
             2.   The purpose of the loan
             3.   The term of the loan
             4.   The monthly repayments of the loan

             This information must not be disclosed to any other person/s. Please note that the information provided cannot be
             used for Early Repayment purposes. Please contact us directly if you require an Early Repayment Statement.

             Please do not hesitate to contact our Insurance & Servicing Team should you have any further questions.

             Yours sincerely




             Mr A Lender
             Insurance & Servicing Team
                                                                                                                                                                                                                       GEMHF 1814 JUL08 B




                                                                                                www.alender.com
                                                                        A Lender plc - Registered in England under company number 1234567.
                                                                          Registered Office - 20 The High Road, A Town, A County AB8 7GH.

     A Lender plc is authorised and regulated by the Financial Services Authority for deposit taking; advising on and arranging mortgages and general insurance; and for introducing life assurance and investments.




                                                                                                          14
First National Example Submission Pack
Item:           First Mortgage Questionnaire
Pages:          2 of 3



             26th June 2006                                                                                                                                        ALENDER
             Our Ref: 2CC                                                                                                                                                  A Lender
                                                                                                                                                                           20 The High Road
                                                                                                                                                                           A Town
                                                                                                                                                                           A County
                                                                                                                                                                           AB8 7GH
                                                                                                                                                                           DX: 123456 Atown 20

             A. Broker                                                                                                                                                     email: info@alender.co.uk
             A Unit                                                                                                                                                        www.alender.co.uk
             A Building
             A Buiness Park




             Dear Sirs

             Mortgage Account Number: 123456789

             Borrower(s)                                     Miss Mary Sample

             Security Address                                15 A Street
                                                             A Town
                                                             A County

             We write further to your letter dated 22nd June 2006 regarding the registration of a Second Charge.

             We have now obtained consent from our borrowers as stated to disclose account information to you.

             We confirm that A Lender consents to a Second Charge in favour of GE Money Home Finance Ltd being registered.


                                                                   £6,151.35
             1. The gross amount of the charge ...........................................................
                                                                           Home Improvement
             2. The purpose of the loan ..........................................................................
                                                                                    120 Months
             3. No DSS Status .............................................................................................
                                                              £84.32
             4. The monthly repayment of the loan....................................................


             However, in the event that the property is repossessed, please note that A Lender will rely soley on its security over
             the property to repay the First Charge.

             Please do not hesitate to contat our Insurance & Servicing Team should you have any further questions.

             Yours faithfully




             Mr A Lender
                                                                                                                                                                                                                       GEMHF 1814 JUL08 B




                                                                                                  www.alender.com
                                                                          A Lender plc - Registered in England under company number 1234567.
                                                                            Registered Office - 20 The High Road, A Town, A County AB8 7GH.

     A Lender plc is authorised and regulated by the Financial Services Authority for deposit taking; advising on and arranging mortgages and general insurance; and for introducing life assurance and investments.




                                                                                                             15
First National Example Submission Pack
Item:           First Mortgage Questionnaire
Pages:          3 of 3



             26th June 2006                                                                                                                                        ALENDER
             Our Ref: 2NQ                                                                                                                                                  A Lender
                                                                                                                                                                           20 The High Road
                                                                                                                                                                           A Town
                                                                                                                                                                           A County
                                                                                                                                                                           AB8 7GH
                                                                                                                                                                           DX: 123456 Atown 20

             A. Broker                                                                                                                                                     email: info@alender.co.uk
             A Unit                                                                                                                                                        www.alender.co.uk
             A Building
             A Buiness Park




             Dear Sirs

                                     STANDARD REPLY TO SUBSEQUENT CHARGE QUESTIONNAIRE ACCOUNT DETAILS

                                                                                                  IMPORTANT

             This information is given in the strictest confidence and on the understanding that any express or implied
             representation, error or omission (whether such representation, error or omission was negligent or not) on the part of
             the lender’s servant or its agents in any liability or responsibility would otherwise arise in contract or tort.

             We have now obtained consent from our borrowers as stated to disclose account information to you.

             Account number:                        123456789

             Borrower(s):                           Miss Mary Sample

             Security Address:                      15 A Street
                                                    A Town
                                                    A County

             Date of Advance:                       05/09/04

             Original Advance:                      102,000

             Balance Outstanding: 100,000
             (inc further advances)

             Arrears Balance:                       0.00

             Monthly Payments                       600.00
                                                                                                                                                                                                                       GEMHF 1814 JUL08 B




                                                                                                www.alender.com
                                                                        A Lender plc - Registered in England under company number 1234567.
                                                                          Registered Office - 20 The High Road, A Town, A County AB8 7GH.

     A Lender plc is authorised and regulated by the Financial Services Authority for deposit taking; advising on and arranging mortgages and general insurance; and for introducing life assurance and investments.




                                                                                                          16
First National Example Submission Pack
Item:                      Application Form
Pages:                     1 of 1

 Application Form                                                                                      FISA Borrowers Guide No.            123456
                                                                                                       Date Issued                         31/5/06
 No person is authorised by GE Money Home Finance Limited to request a payment from you to assist in the obtaining of this facility.
 Broker                A. BROKER                                                                                                                                                                        Plan      D                    Status      1
 Amount required       £ 5000                                                    Repayment selected     £                                                        Loan term selected      120              mths        Monthly rate                          %

 Purpose of loan          HOME IMPROVEMENTS
 Applicant’s details              First names in full                                         Surname                                                                  *Maiden name                                               Date of birth
  1 Mr/Mrs*/Miss/Ms              MARY SAMPLE                                                                                                                                            N/A                                  19           02           1971
  2 Mr/Mrs*/Miss/Ms
  Address     15 A STREET, A TOWN, A COUNTY                                                                                                                                 Home tel.      0 2 0 8 1 2 3 4 5 6 7
                                                                          Email Address       msample@aol.com                   Postcode     AB2 3CD                        Mobile         0 7 9 4 6 1 1 1 1 1 1
  How long?      2   Yrs    6    Mths Type of property Detached house        ✓   Semi detached         Terrace house           Flat        Bungalow       Are you? Married              Single ✓ Divorced Widowed Separated

 Applicant 1                                                                                                                   Applicant 2
 If at current address less than 5 years, list previous addresses.                                                             If at current address less than 5 years, list previous addresses.
  Address   20 B ROAD                                                                                                          Address

            B TOWN, B COUNTRY
                             Postcode BC4 5DE                         How long here?           Yrs           Mths                                                Postcode                                       How long here?              Yrs            Mths

 Occupation    A JOB                                                  How long?       5 Yrs 6 Mths                             Occupation                                                                       How long?                   Yrs            Mths

 Employer’s/Business name and address    A EMPLOYER UK LTD                                                                     Employer’s/Business name and address
                                                                                                                                                                                 N/A
 A PARADE, A TOWN, A COUNTY                       Telephone no. 020 7456 7890                                                                                                               Telephone no.

 Are you self employed? YES           NO ✓ (If yes, give your Business name & address and your accountant’s details)           Are you self employed?      YES          NO            (If yes, give your Business name & address and your accountant’s details)

 Accountant’s name                                                       Telephone no.                                         Accountant’s name                                                         Telephone no.

 Nature of business                                                                       VAT Reg. YES           NO            Nature of business                                                                           VAT Reg. YES               NO

 Gross income (including overtime and bonus)                                                                                   Outgoings                   Total monthly payments Total arrears (if any)                    Approx. amount outstanding

 1st Applicant        £ 2,500                               Wk/Mth/Yr Date paid each month            1ST                      First mortgage               £ 600                         £        0                        £          100,000
 2nd Applicant        £ N/A                                 Wk/Mth/Yr Date paid each month           N/A                       Endowment/Pension/Pep        £                             Is mortgage Flexible, Low Start
                                                                                                                                                                                          or Deferred Interest?                                        NO   ✓
 Any other income     £ N/A                                 Wk/Mth/Yr Source of income               N/A                       Second mortgage              £ N/A                         £         N/A                     £            N/A
 If retired state source of prime income                                                                                       HP/Credit sales              £ N/A                         £         N/A                     £            N/A
                                                                                                                               Bank/Personal loans          £ N/A                         £         N/A                     £            N/A
 Loans to be settled                                I/We wish the following loans to be cleared from the advance
  Company                                             Approx amount                       Monthly repayment                    Company                                            Approx amount                           Monthly repayment

              HALIFAX                                 £ 2,000                             £      200                                                                              £                                       £
                                                      £                                   £                                                                                       £                                       £
 Details of property to be offered as security
 Date purchased        1/1/04              Purchase price   £ 102,000               Current value   £120,000                   If you purchased your property from the Council what discount did you get?               £                   /       15 %
  No. of rooms     Bedrooms  3         Reception     2      Bathrooms    1       Garage    0     Built in   1900               Address (if different from residential address)

 Reason for increase in value if purchased within the past 3 years

                                                                                                                                                                                     N/A                           Postcode

                                                                                                                               Type of property       Detached          Semi detached               Terrace house               Flat            Bungalow

 Joint ownership?          YES          NO      ✓     Is any part of the property let?     YES              NO        ✓        Is it Freehold           or Leasehold              If Leasehold, state years left on lease

 Name & address of 1st mortgagee                                                                                               Buildings Insurance expiry date

                                                                                                                               Sum Insured

                                                               Reference No.                                                   Insurance Co.

      IMPORTANT - USE OF YOUR INFORMATION                                                               FCA 09/05              Customer declaration
   By signing this Application, you confirm that you have read the information contained on the back of this page              Where the Customer has opted for the Protected Payments Plan,
   relating to the way that we use your personal data.                                                                         Single Cover     ✓      Single Cover Plus          Joint Cover        has been selected.
                                                                                                                               Where the Customer has opted not to have Protected Payments Plan the Customer understands that it is
                                                                                                                               their personal responsibility to keep up their repayments. Each Customer jointly warrants and certifies that
                                                                                                                               all the details on this form are true and not misleading. The Customer agrees that for staff training and
                                                                                                                               security purposes telephone calls may be recorded. The Customer understands that this loan will be secured
                                                                                                                               on their property.
                                                                                                                               I would like to talk further about a GE Money Home Finance Limited loan.
                                                                                                                               Please contact me or call on me to discuss my application.        ✓
                                                                                                                               Signature(s) of Applicant(s)/Customer(s)                                    Date(s) of signature(s)
                                                                                                                                                                                                                                                                  GEMHF 1383 SEP05 B




                                                                                                                               If joint application then both must sign)


                                                                                                                                                                                                                      31/5/06
  Please enclose your 3 most recent payslips and return with this
  application form.

 Customers Authority                                                                       To:   GE Money Home Finance Limited
                                                                                                 53-61 College Road, Harrow, Middlesex HA1 1FB


  Applicant(s) Name(s)
  Address

                                                                   Post Code                                      I/We hereby authorise you to supply to GE Money Home Finance Limited any information held on my/our First Mortgage
                                                                                                                  Account on this and any subsequent occasions. Furthermore I/we authorise my/our local authority to disclose to GE Money
                                                                                                                                                                                                                                                                                       GEMHF 1814 JUL08 B




                                                                                                                  Home Finance Limited any information in respect of the terms upon which my/our property was purchased.
                                                                                                                  You are authorised to disclose information about me/us and the conduct of any account of mine/ours open with you to
   Signature(s) of Customers                                                                                      other companies within the same group as GE Money Home Finance Limited and to licensed credit reference agencies. If
                                                                                                                  you are unable to help me/us you may refer this application to another lending company or broker who may be able to
                                                                                                                  assist me/us. I/We agree to receive details of any product offered by GE Money Home Finance Limited and other associated
   Date(s) of Signature(s)                                                                                        companies unless I/we specifically request otherwise in writing.
                                                                                                                  I/We understand that all loans are subject to status.
   (if joint application then both must sign)                                                                     I/We agree a representative may visit me/us if necessary to discuss the financial facilities available from your company.




                                                                                                                          17
First National Example Submission Pack
Item:                Credit Agreement Advanced Copy (Lender Copy) England
Pages:               1 of 1

 Copy of proposed credit agreement containing notice of your right to withdraw. Do NOT sign or return this copy.
 Secured on
      15 A STREET, A TOWN, A COUNTY
                                                                                                                                                    (“Property”)

 GE Money Home Finance Limited of 53-61 College Rd, Harrow, Middlesex HA1 1FB (GEMHF, the Creditor).
                                                First names (in full)                                                                   Surname
  1. Mr/Mrs/Miss/Ms             MARY SAMPLE
  2. Mr/Mrs/Miss/Ms
  Address     15 A STREET, A TOWN, A COUNTY
                                                                                                                                                                              Postcode       AB2 3CD
                                                                                          Key Financial Information

  A    Amount of credit to be released to the Customer                  £       5000 • 00                 E                                       120
                                                                                                              Number of monthly repayments ______. First monthly repayment to be made
                                                                                                                 1
                                                                                                              ______month(s) after GEMHF despatches the loan payment unless some other date is
                                                                                                              notified to the Customer in writing. Subsequent monthly repayments to be made on that
  B    Amount of credit for Protected Payments Plan                     £         854 • 85                    same day each month.
  C    Total amount of credit                                           £        5854 • 85                F   Monthly repayment                                                £             89 • 83
  D    Duration of the agreement                                               120    months              G   APR Variable                                                                 14 • 60           %

                                                                                          Other Financial Information

  H Cash price of Protected Payments Plan                               £                     •           K   Interest will be charged on the daily balance of any unpaid credit, any unpaid part of the
                                                                                   854             85         Broker's Fee, any unpaid part of the Application Assessment & Completion Costs and any unpaid
                                                                                                              interest and charges previously debited, and it will be debited to the Customer's account at
  I    Total charge for credit consisting of
                                                                                                              monthly intervals. GEMHF will notify the Customer in writing of the date when the first month’s
       Interest                      £         4225 • 75                                                      interest will be debited.
                                                                                                          L   In calculating the APR, no account has been taken of any variation which may occur in the rate or
       Broker Fee                    £         199 • 00                                                       amount of interest payable. The rate of interest will increase or decrease if and to the extent that
       Application Assessment                                                                                 there is any change in GE Money base lending rate (see Condition 1(3) and 3(2) on page 2). The
       & Completion Costs            £         500 • 00           Total £          4924       •    75         amount of interest payable may also change if GEMHF exercises its discretion to change the
                                                                                                              payment date or the date on which interest is debited (see Condition 5 on page 2) or if GEMHF
  J    Annual rate of interest (variable)                                             •             %         changes the amount or number of repayments, as it may do to take account of any change in the
                                                                                 10 88                        interest rate or any additional payment made by the Customer or any default by the Customer, or if
                                                                                                              the Customer enters into any further loan agreement with GEMHF (see Condition 6(1) on page 2).
                                                                                                  Key Information
  IMPORTANT – READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS                                                                               MISSING PAYMENTS
  The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with                        Missing payments could have severe consequences and make
  when this agreement was made. If they were not, the creditor cannot enforce this agreement without getting a court order.                   obtaining credit more difficult.
  The Act also gives you a number of rights:                                                                                                  GEMHF will charge any costs which it reasonably incurs as a
  1) You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the                        result of any breach of this agreement by the Customer(s) (see
      agreement Examples indicating the amount you have to pay appear in the agreement.                                                       Conditions 7(1)(b) and 8(1), (2) and 14 on page 2). If your
                                                                                                                                              monthly payments are in arrears you are charged a monthly
  2) If you received unsatisfactory goods or services paid for under this agreement, apart from any bought with a cash loan,                  arrears fee (see Condition 7(2) on page 2).
      you may have a right to sue the supplier, the creditor or both.
                                                                                                                                              If the monthly repayments are not made in full and on time, in
  3) If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue the creditor.
                                                                                                                                              accordance with the terms of this agreement, interest will be
  If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or                   charged on any interest element of a monthly repayment which
  your nearest Citizens’ Advice Bureau.                                                                                                       is overdue, from the date on which it falls due until the date it
  If you exercise your right to settle this agreement early, the following amounts will be payable for every £1000 borrowed:                  is paid, at the same rate of interest applying from time to time
  When a quarter of                              When half of                                When three quarters of                           under J above and Condition 3 on page 2.
  the term has elapsed £          861.68         the term has elapsed £       651.27         the term has elapsed £          375.36           If as a result of your request to do so we change your date of
                                                                                                                                              payment you may have to then pay additional interest (see
  These amounts are only illustrative, as they take no account of any variation, which might occur under the agreement.                       Condition 5(2) on page 2). There is a fee payable on early
                                                                                                                                              settlement of this agreement (see Condition 4 on page 2).
  You have no right to cancel this agreement under the Consumer Credit Act 1974, the Timeshare Act 1992, or the Financial
  Services (Distance Marketing) Regulations 2004.                                                                                             YOUR HOME MAY BE REPOSSESSED
                                                                                                                                              Your home may be repossessed if you do not keep up
                                                                                                                                              repayments on a mortgage or other debt secured on it.
                                                                                                                                              By signing this agreement and Deed of Legal Charge, you will
                                                                                                                                              be executing a second or subsequent mortgage over your
                                                                                                                                              interest in the Property described above as security for your
                                                                                                                                              payment obligations under this agreement.

      YOUR RIGHT TO WITHDRAW
                                                                            Legal Charge
      This is a copy of your proposed credit agreement which is to
      be secured on land. It has been given to you now so that              By this Deed of Legal Charge, the Customer hereby charges, with limited title guarantee, the Property described above,
      you may have at least a week to consider its terms before             having registered title number _____________________ , by way of legal mortgage, with payment of all monies due
                                                                                                               TTL123456
      the actual agreement is sent to you for signature. You                now or at any future time from the Customer to GE Money Home Finance Limited under each and every agreement and
                                                                            on each and every account between them (unless any such agreement makes express provision to the contrary) on the
      should read it carefully. If you do not understand it, you may
                                                                            conditions set out on page 2.
      need to seek professional advice. If you do not wish to go
      ahead with it, you need not do so. If you decide NOT to go            In registering this Charge, we will pass the Credit Agreement, including the details of your loan, to HM Land Registry,
      ahead with the agreement, you should inform GEMHF or, if              where it may be seen by any person searching against your property at the Registry.
      you prefer, any supplier or broker involved in the                    Signature of witnesses - For use in registration.
      negotiations. You can do this in writing or orally for example        Signed and delivered as a Deed – by the Customer                     Signed and delivered as a Deed – by the Customer
                                                                                                                                                                                                                     GEMHF 1363 MAY06 B ▲




      by telephone. If the agreement arrives for signature and you          in the presence of                                                   in the presence of
      have decided NOT to go ahead, DO NOT SIGN IT. Then you                Witness of 1st Customer’s signature.                                 Witness of 2nd Customer’s signature.
      will not be legally bound by the agreement.                           Name MR B WITNESS                                                    Name
                                                                            Signature                                                            Signature

                                                                            Address   D GARDENS, D TOWN                                          Address
                                                                                      D COUNTY FG7 HJ8
                                                                            Occupation                                                           Occupation

                                                                               IMPORTANT - USE OF YOUR INFORMATION

                                                                            By signing this agreement, you confirm that you have read the information contained on the back of this page relating to the
                                                                            way that we use your personal data.
                                                                                                                                                                                                                                            GEMHF 1814 JUL08 B




                                                                            Broker’s name                                                                                                                   S03C

                                                                            Signed on behalf of GE Money Home Finance Limited.

                                                                            _______________________________________________ date __________________ (Date of Agreement and Legal Charge)
 Form of Charge filed at H.M. Land Registry under reference MD977T
 Advanced Copy (Lender Copy)                                                                       Page 1 of 2                                         Regulated agreement – England (Standard)


                                                                                                        18
                                                                                                                                                                              Item:
           Advance No. 567890                                                                                               Credit Search Via FN Browser
                                                                                                                                                                              Pages:
           Miss Mary Sample
           Matched Addresses
              15 A STREET, A TOWN, A COUNTY AB2 3CD
                                                                                                                                                                              1 of 3



           Electoral Roll (A STREET, A TOWN, A COUNTY AB2 3CD)
              Property                   Elector         Reg. Year    Depart. Year
              15                         A Person        2004         2005
              15                         B Person        2004         2005
              15                         M Sample        2004         ---

           CAIS
              Current                    Miss Mary Sample (15 A Street, A Town, A County AB2 3CD)
                  Name Match Indicator   SP                                                Birth Date   19 Feb 1971              Payment Fequency    Not Specified
                       Company Type      Bank                                            Credit Limit                              Payment history   000000000000
                        Account Type     Mortgage                                    Current Balance                                  Worst Status   0
                            Start Date   05 Sep 2004                                 Default Balance
                             End Date                                                   Credit Terms    £200
                                                                                                                                                                              Credit Search – via FN browser




                          Update Date    08 June 2006                              Repayment Period     300

              Current                    Miss Mary Sample (15 A Street, A Town, A County AB2 3CD)




19
                  Name Match Indicator   SP                                                Birth Date   19 Feb 1971              Payment Fequency    Not Specified
                       Company Type      Bank                                            Credit Limit                              Payment history   000000000000
                        Account Type     Unsecured loan (personal loans etc)         Current Balance    £5,450                        Worst Status   0
                            Start Date   17 Dec 2004                                 Default Balance
                             End Date                                                   Credit Terms    £146
                          Update Date    08 June 2006                              Repayment Period     60

              Current                    Miss Mary Sample (15 A Street, A Town, A County AB2 3CD)
                                                                                                                                                                                                               First National Example Submission Pack




                  Name Match Indicator   SP                                                Birth Date   19 Feb 1971              Payment Fequency    Not Specified
                       Company Type      Credit Card                                     Credit Limit   £400                       Payment history   000000000000
                        Account Type     Credit Card/Store card                      Current Balance    £522                          Worst Status   0
                            Start Date   03 Aug 2004                                 Default Balance
                             End Date                                                   Credit Terms
                          Update Date    11 June 2006                              Repayment Period     0

              Current                    Miss Mary Sample (15 A Street, A Town, A County AB2 3CD)
                  Name Match Indicator   SP                                                Birth Date   19 Feb 1971              Payment Fequency    Monthly
                       Company Type      Credit Card                                     Credit Limit   £2,000                     Payment history   0000000
                        Account Type     Credit Card/Store card                      Current Balance    £2,000 (3% = £16)             Worst Status   0
                            Start Date   11 Nov 2005                                 Default Balance
                             End Date                                                   Credit Terms
                          Update Date    11 June 2006                              Repayment Period     0

                                                                                                                                                               Continued…
          Search date: 03/06/2006 07:55 by Michael Checker                                                                                                           Page 1




     GEMHF 1814 JUL08 B
                                                                                                                                                                                         Item:
           Advance No. 567890                                                                                                   Credit Search Via FN Browser
                                                                                                                                                                                         Pages:
           Miss Mary Sample
              Current                      Miss Mary Sample (15 A Street, A Town, A County AB2 3CD)
                  Name Match Indicator     SP                                                Birth Date   19 Feb 1971                       Payment Fequency    Not Specified
                       Company Type        Bank                                            Credit Limit                                       Payment history   0000000000
                                                                                                                                                                                         2 of 3



                        Account Type       Current accounts                            Current Balance                                           Worst Status   0
                            Start Date     18 Aug 2005                                 Default Balance
                             End Date                                                     Credit Terms
                          Update Date      25 June 2006                              Repayment Period

              Current                      Miss Mary Sample (15 A Street, A Town, A County AB2 3CD)
                  Name Match Indicator     SP                                                Birth Date   19 Feb 1971                       Payment Fequency    Monthly
                       Company Type        Finance House                                   Credit Limit   £2075                               Payment history   000000000000
                        Account Type       Credit Card/Store card                      Current Balance    £1060                                  Worst Status   0
                            Start Date     08 Nov 04                                   Default Balance
                             End Date      24 Sep                                         Credit Terms
                          Update Date      11 June 2006                              Repayment Period
                                                                                                                                                                                         Credit Search – via FN browser




           Previous Addresses
              Name Match In.                 Name                                        Address Link Date              Address Link Ind.
              Sp Main Applicant              Miss Mary Sample                            06 Apr 2003                    Previous




20
              Exact / Exact : 20 B Road, B Town, B County BC4 5DE
                                                                                                                                                                                                                          First National Example Submission Pack




                                                                                                                                                                         Continued…
          Search date: 03/06/2006 07:55 by Michael Checker                                                                                                                      Page 2




     GEMHF 1814 JUL08 B
                                                                                                                                                                  Item:
           Advance No. 567890                                                                                        Credit Search Via FN Browser
                                                                                                                                                                  Pages:
           Miss Mary Sample
           Matched Addresses
              20 B ROAD, B TOWN, B COUNTY BC4 5DE
                                                                                                                                                                  3 of 3



           Electoral Roll (B ROAD, B TOWN, B COUNTY BC4 5DE)
              Property                    Elector         Reg. Year   Depart. Year
              20                          M Sample        1994        2005


           CAIS
              Settled                     Miss Mary Sample (20 B Road, B Town, B County BC4 5DE)
                   Name Match Indicator   SP                                             Birth Date    19 Feb 1971        Payment Fequency    Not Specified
                        Company Type      Building Society                              Credit Limit                        Payment history   S000000000000
                         Account Type     Mortgage                                  Current Balance                            Worst Status   0
                             Start Date   17 Jul 2002                               Default Balance
                              End Date    07 Sep 2005                                  Credit Terms    £521
                           Update Date    02 Oct 2005                             Repayment Period     300
                                                                                                                                                                  Credit Search – via FN browser




              Settled                     Miss Mary Sample (20 B Road, B Town, B County BC4 5DE)
                   Name Match Indicator   SP                                             Birth Date    19 Feb 1971        Payment Fequency    Not Specified




21
                        Company Type      Finance House                                 Credit Limit   £300                 Payment history   S000000000000
                         Account Type     Credit Card/Store Card                    Current Balance                            Worst Status   0
                             Start Date   14 Mar 2004                               Default Balance
                              End Date    01 Apr 2004                                  Credit Terms
                           Update Date    18 Apr 2004                             Repayment Period     60
                                                                                                                                                                                                   First National Example Submission Pack




           END OF REPORT




          Search date: 03/06/2006 07:55 by Michael Checker                                                                                               Page 3




     GEMHF 1814 JUL08 B
First National Example Submission Pack
Item:        OS1R Form
Pages:       1 of 1



         Official search certificate of search of
         whole with priority                                          Land Registry                                             Form
                                                                                                                                       OS1R
         Official Search No.                        Certificate Date: 1 June 2005                                Priority Period expires on:
         066-A2-H0                                  Priority Period began at: 14:10:13                           17 Aug 2006
                                                                                                                 at midnight but see note below.




         Particulars of Search as supplied:
         Title Number           TTL123456

         Applicant(s)           GE Money Home Finance Limited




                                                                           Result
                                    It is certified that the official search applied for has been made with the following result:

         Since 1 June 2006 no adverse entries have been made.

         An official search certificate dated 28 June 2006 and timed at 16:19:08 has been issued to protect an
         intending CHARGE in favour of GE MONEY FINANCE LIMITED affecting the whole of the registered
         title. The relative priorities conferred by the issue of two or more official search certificates are governed by
         the provisions of rule 153 of the Land Registration Rules 2003.


         The following messages are for information only and do NOT form part of the result of the search.
         Important information regarding the scanning and retention of documents by Land Registry after 12 July
         2006 is available on our website. Please see www.landregistry.gov.uk for further details. The Land
         Registration Fee Order 2006 comes into force on 7 August 2006, for more information visit our website
         www.landregistry.gov.uk/fees.




         Note: To be sure to obtain priority for your application you should deliver it to the proper office by
         12:00 (noon) on the date when priority expires.



         Your Reference:                    Key Number                              Any enquiries concerning this certificate to be
         123456                            789012                                   addressed to: STOKE TEAM

         GE MONEY HOME FINANCE LTD                                                  LAND REGISTRY
         57259                                                                      BIRKENHEAD (OM) OFFICE
         FINCHLEY 2                                                                 OLD MARKET STREET
                                                                                    BIRKENHEAD
                                                                                    MERSEYSIDE
                                                                                    CH41 5FL
                                                                                    Tel. No: (0151) 473 1110
                                                                                    A Fee of £2.00 will be debited to the account
                                                                                                                                                   GEMHF 1814 JUL08 B




                                                                                    quoted.




                                                                               22
First National Example Submission Pack
Item:     Land Registry Search
Pages:    1 of 2




         Land Registry Direct: Register View                                Date: 01 June 2006
         THIS IS A PRINT OF THE VIEW OF THE REGISTER OBTAINED THROUGH LAND
         REGISTRY DIRECT SHOWING THE ENTRIES SUBSISTING IN THE REGISTER ON 01 JUNE
         2006 AT 17:03:28. THE ENTRIES SHOWN DO NOT TAKE ACCOUNT OF THE
         APPLICATIONS PENDING IN THE REGISTRY. FOR SEARCH PURPOSES, THE ABOVE DATE
         SHOULD BE USED AS THE SEARCH FROM DATE.

         THIS TITLE IS DEALT WITH BY A TOWN DISTRICT LAND REGISTRY.

         TITLE NO: TTL123456
         REGISTER LAST UPDATED ON: 05 SEP 2005 AT 17:10.


         A: Property register
         This register describes the land and estate comprised in the title.

                                  A Town                        A County

         1. (09.03.2002) The Freehold land shown edged with red on the plan of the Title
            filed at the Registry and being 15 A Street, A Town, A County (AB2 3CD).
         2. (09.03.2002) The land has the benefit of he rights granted by but is subject to the
            the rights reserved by the transfer dated 05 September 2005 reffered to in the
            Charges Register.



         B: Proprietorship Register
         This register specifies the class of title and identifies the owner. It contains any
         entries that affect the right of disposal.

         Title Absolute

         1. (01.01.2004) Proprietor: M Sample of 15 A Street, A Town, A County AB2 3CD.
         2. The price stated to have been paid on 01 January 2004 is £102,000.
         3. (12.09.2005) Restriction: Except under an order of thee registrar no disposition or
            dealing by the proprietor of the land is to be registered or noted without the
            consent of the proprietor of the Charge dated 01 January 2004 in favour of A Bank
            referred to in the Charges Register.



         C: Charges Register
         This register contains any charges and other matters that affect the land.
         1. (05.09.2005) A Transfer of the land in this title dated 05 September 2005 made
             between (1) A.N.Other and (2) M. Sample contains restrictive covenants.

            Note: Copy in Certificate.
                                                                                                  GEMHF 1814 JUL08 B




                                                     23
First National Example Submission Pack
Item:     Land Registry Search
Pages:    1 of 2




         2. (12.09.2005) REGISTERED CHARGE dated 12 September 2005 to secure the moneys
             including the further advances therin mentioned.

         3. Proprietor: A Lender (Co. Regn. No. 1234567) of 20 the High Road, A Town, A County
            AB8 7GH, trading as A Lender.


         END OF REGISTER


         Note 1: The date at the beginning of an entry is the date on which the entry was
         made in the Register.
         Note 2: Symbols included in registry entries do not form part of the register and are
         used by Land Registry for internal purposes only.




                                                                                                 GEMHF 1814 JUL08 B




                                                   24
First National Example Submission Pack
Item:                      Standard Security
Pages:                     1 of 1

 Standard Security


  Reference/
                                          In this deed the expressions set out below shall have the following meanings and effect

  Part 1 The Grantor
  MARY SAMPLE RESIDES AT 15 A STREET, A TOWN



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

  Part 2 The Lender
  GE MONEY HOME FINANCE LIMITED, 53-61 COLLEGE ROAD, HARROW, MIDDLESEX, HA1 1FB, and its assignees whomsoever.

  Part 3 The Loan
  The sums of money agreed to be advanced by the Lender to the Grantor under an agreement between the Grantor, the Consentor (if any) and the Lender
  (each such agreement an "Agreement").

  Part 4 The Consentor
  (where applicable)
  being the non-entitled spouse of the Grantor residing at the Property.

  Part 5 The Property
  The heritable subjects known as
   15 A STREET, A TOWN

  being the subjects registered in the Land Register of Scotland under Title Number
  being All and Whole
                   15 A STREET, A TOWN WITH GARDEN GROUND, ETC WHICH SUBJECTS ARE MORE PARTICULARLY DESCRIBED IN FEU DISPOSITION
   BY MELVILLE HOUSING ASSOCIATION LIMITED IN FAVOUR OF MARY SAMPLE RECORDED IN THE GENERAL REGISTER OF SASINES FOR THE COUNTY
   OF A COUNTY ON 27 OCTOBER 2000
  The Grantor in security of all monies due by the Grantor and the Consentor (if any) to the Lender now or at any future time (1) under any Agreement (but only,
  in the case of an Agreement that is regulated under the Consumer Credit Act 1974, where it refers to this Standard Security as securing the monies due under it)
  and (2) under this Standard Security with the consent of the Consentor (if any) for the purposes of the Matrimonial Homes (Family Protection) (Scotland) Act
  1981 as amended grants a standard security in favour of the Lender over the Property. The Consentor (if any) consents to the making of the Loan. The standard
  conditions specified in schedule 3 to the Conveyancing and Feudal Reform (Scotland) Act 1970, and any lawful variation thereof operative for the time being
  shall apply and the Grantor and the Lender agree that standard condition 5(a) of the said standard conditions shall be varied to the effect that the extent of the
  insurance to be effected under it shall be reinstatement value and not market value; and that the said standard conditions shall be varied to the effect that the
  conditions contained in the Agreement shall also apply; but the security hereby granted is subject to a Standard Security granted by the Grantor in favour of

   A LENDER PLC
  registered in the Land Register of Scotland over the Property on
  recorded in the said Division of the General Register of Sasines on

 and subject as aforesaid the Grantor grants warrandice; IN WITNESS WHEREOF these presents are executed by the Grantor and the Consentor (if any)

  at      A TOWN                                       on the        TWENTY FIRST                     day of     JUNE 2006
  before these witnesses.


  WITNESS SIGNATURE BOX
  Name                     MR B WITNESS
  (BLOCK LETTERS PLEASE)


  Signature                                                                            Grantor

  Address                   D GARDENS, D TOWN, D COUNTY FG7 HJ8
  Occupation                B WORK

  WITNESS SIGNATURE BOX
  Name
  (BLOCK LETTERS PLEASE)


  Signature                                                                            Grantor/Consentor

  Address
                                                                                                                                                                                            GEMHF 1814 JUL08 B




  Occupation
                                                                                                                                                                       GEMHF 1386 SEP05 B




                                 The Standard Security does not secure any sum until the Agreement for the Loan is signed.




                                                                                      25
First National Example Submission Pack
Item:         Scottish Search
Pages:        1 of 2



   FIRST NATIONAL HOME FINANCE LIMITED                                           To: FIRST SCOTTISH SEARCHING SERVICES LIMITED
   Finchley (Req No 1898)
   Tel: 020 8371 8416 Fax: 020 8371 0549                                         Tel: 01383 826777 Fax: 01383 826778
                                                                                 Email: mese@fsss.co.uk
                                                                                 For F S S S Use:
   Contact Name: Jennifer Stevens
   AGENT Ref:                                                                    Reference: FN: 12345/AB/MS
                                                                                 Date: 02 December 2004


   PLEASE SUPPLY A REPORT AGAINST THE FOLLOWING:

   Full Names (and previous addresses where applicable)                                                 Date of Purchase/Title No:
     Mary Sample                                                                                          2004


   SUBJECTS (including flat location)
     15 A Street, A Town, A County AB2 3CD




                                                              Search in the Property Registers
                                                                          Against


   Subjects
     All and Whole 15 A Street, A Town with garden ground, etc which subjects are more particularly described in Feu Disposition by
     Melville Housing Association Limited in favour of Mary Sample recorded in the General Register of Sasines for the County of A County
     on 27 October 2000


   Infeft Proprietors

     Mary Sample
     Whose title thereto is registered on 01 January 2004
     Consideration: £18,060 (discount)


   Outstanding Securities
     A Lender PLC - recorderd on 01 January 2004


   Additional Information (Grants, Assigs, Variations etc.)
     None




   Search Correct To 30 November 2004

                                                                     Register of Inhibitions/
                                                                                                                                            GEMHF 1814 JUL08 B




                                                                               26
First National Example Submission Pack
Item:    Scottish Search
Pages:   2 of 2




                                                  FIRST SCOTTISH SEARCHING SERVICES LIMITED

                                                            SEARCH IN THE REGISTERED OF

                                                          INHIBITIONS AND ADJUDICATIONS

                                                                                   AGAINST

                                                                             MARY SAMPLE


                                                                   from 05 Mar 2001 to 05 Mar 2006

                                                                                     NO DEED

                                                       SEARCH THE REGISTER OF INHIBITIONS AND

                                                           ADJUDICATIONS AND FOUND AS ABOVE


            Searches in The Register of Inhibitions and Adjudications are carried out in our enhanced computerised database, and although our liability is restricted to exact
                                      name and address matches, there may be occasions where other entries may be shown for your information




                                                                                                                                                                                 GEMHF 1814 JUL08 B




                                                                                           27
First National Example Submission Pack
Item:                  Mortgage Schedule – Northern Ireland
Pages:                 1 of 1


  Schedule                    Northern Ireland


  GEMHF/
                                         (Please complete in BLOCK LETTERS)


  Part 1 Date of Mortgage                                                               Part 3 Property Mortgaged

                                                                                          MARY SAMPLE
  Part 2 Name and Postal Address of the Parties                                           15 A STREET
    MARY SAMPLE                                                                           A TOWN
    15 A STREET                                                                           A COUNTRY
    A TOWN                                                                                AB2 3CD
    A COUNTRY
    AB2 3CD
                                                                                        being the lands comprised in the folio mentioned overleaf or held under
                                                                                        the Lease, Conveyance or Assignment particulars whereof are set out
                                                                                        overleaf


  (in this Mortgage called “the Mortgagor”) of the one part and GE Money                Part 4 Details of Prior Mortgage
  Home Finance Limited whose registered office is situate at 53-61 College Road,
  Harrow, Middlesex, HA1 1FB Reg. No. 592986 (in this Mortgage called                   Mortgage made in favour of:–
  “GEMHF”) of the other part

  IN WITNESS whereof the Mortgagor has executed this Mortgage under seal the day and year first above written.

  SIGNED SEALED AND DELIVERED
  by the above-named Mortgagor in presence of

  WITNESS SIGNATURE BOX – For use in Registration
  1. Name         MR B WITNESS
  (BLOCK LETTERS PLEASE)

  Signature

  Address                  D GARDENS, D TOWN
                           D COUNTY FG7 HJ8
  Occupation               B WORK
  and in presence of:–

  WITNESS SIGNATURE BOX – For use in Registration
                                                                               }                                                                          LS
  2. Name         MR E WITNESS
  (BLOCK LETTERS PLEASE)

  Signature

  Address                  E CRESCENT, E TOWN
                           E COUNTY ST1 UV2
  Occupation               E WORK

  SIGNED SEALED AND DELIVERED
  by the above-named Mortgagor in presence of

  WITNESS SIGNATURE BOX – For use in Registration
  1. Name
  (BLOCK LETTERS PLEASE)

  Signature

  Address


  Occupation

  and in presence of:–

  WITNESS SIGNATURE BOX – For use in Registration
                                                                               }                                                                          LS
  2. Name
  (BLOCK LETTERS PLEASE)
                                                                                                                                                                  GEMHF 1385 SEP05 B




  Signature
                                                                                                                                                                                       GEMHF 1814 JUL08 B




                                                                                               Until the Loan Agreement is signed this Mortgage will not
  Address                                                                                      become enforceable and may be cancelled by the
                                                                                               Mortgagor by giving notice to GEMHF.
  Occupation




                                                                                   28
First National Example Submission Pack
Item:         Authority to First Mortgagees – GE Money Home Finance
Pages:        1 of 1




                                                                   GE Money Home Finance Limited
 Authority to First Mortgagees                                     53-61 College Road, Harrow,
                                                                   Middlesex HA1 1FB
    Name & Address of First Mortgagees
    TO
         GE MONEY HOME FINANCE LIMITED

    Address of Property
                        15 A STREET, A TOWN,
                        A COUNTRY, AB2 3CD                                                     Roll No. of Mortgage         123456789
    Full Names of Borrower 1.
                              MARY SAMPLE15
    Full Names of Borrower 2.

                                                                                              (if account in joint names then both must sign)



                                                                                              Signed 1.




                                                                                                                                                GEMHF 1396 SEP05 B
    Where the title to the above mentioned property is registered at Land Registry of
    Northern Ireland, we hereby authorise and instruct you to forward to us the
                                                                                              Signed 2.
    original Land Certificate relating to the above mentioned property, held by you
    with the Deeds of the property, for the purpose of registering a Charge in favour
    of GE Money Home Finance Limited.                                                         Date
                                                                                                                  31 MAY 2006




                                                                                                                                                                     GEMHF 1814 JUL08 B




                                                                                 29
First National Example Submission Pack
Item:         Authority to First Mortgagees – Wilson Nesbitt
Pages:        1 of 1




                                                                   GE Money Home Finance Limited (GEMHF)
 Authority to First Mortgagees                                     4th Floor, 24 Linenhall Street, Belfast,
                                                                   Northern Ireland BT2 8BG
    Name & Address of First Mortgagees
    TO
         GE MONEY HOME FINANCE LIMITED

    Address of Property
                        15 A STREET, A TOWN,
                        A COUNTRY, AB2 3CD                                                       Roll No. of Mortgage         123456789
    Full Names of Borrower 1.
                              MARY SAMPLE15
    Full Names of Borrower 2.

                                                                                                (if account in joint names then both must sign)



    Where the title to the above mentioned property is registered at Land Registry of           Signed 1.




                                                                                                                                                  GEMHF 1463 OCT05 B
    Northern Ireland, we hereby authorise and instruct you to forward to our panel
    Solicitors, Wilson Nesbitt, Solicitors, of Citylink Business Park, Albert Street,
                                                                                                Signed 2.
    Belfast, BT12 4HB (reference G/GEMHF) the original land certificate relating to
    the above mentioned property, held by you with the Deeds of the property, for
    the purpose of registering a Charge in favour of GE Money Home Finance Limited.             Date
                                                                                                                    31 MAY 2006




                                                                                                                                                                       GEMHF 1814 JUL08 B




                                                                                 30

								
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