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NAME IDENTIFICATION FOR ALL APPLICANTS Eg. Passport / Driving Licence

VALUATION FEE (if applicable)

PRODUCT FEE (If applicable)

APPLYING FOR YOUR MORTGAGE WITH YORKSHIRE BUILDING SOCIETY

In addition to your completed application form, there are other items that the Society will require for your application to be processed as quickly and smoothly as possible. Please refer to the sections of the form that you have completed and the checklist below then forward the appropriate items with your form. Additional information may be required once your application has been reviewed.

PLUS ALL OF THE FOLLOWING THAT APPLY TO YOU

(PLEASE TICK IF ENCLOSED)

APPLICANT 1 APPLICANT 2

ALL APPLICANTS:

PERSONAL DETAILS OCCUPATION & INCOME FINANCIAL DETAILS PROPERTY INFORMATION

MORTGAGE REQUIREMENTS & INSURANCE NEEDS VALUATION AND SOLICITORS DETAILS

EXTRA SPACE (IF REQUIRED) PAYMENT DATE AND METHOD ABOUT YOUR PERSONAL INFORMATION DECLARATION

This mortgage application form is the most important document that you will need to complete. It is very important that you refer to the booklets "A guide to arranging your mortgage" and "Protecting your home" throughout the completion of this form to ensure that you fully understand the questions that you are answering. You can rest assured that any details you provide about your income or personal circumstances will be treated with the strictest of confi dence.

INSTRUCTIONS FOR COMPLETION

For ease of completion, the form has been divided into a number of sections, as set out below. All applicants must complete the grey shaded sections and then you only need to complete the other sections that relate to you. Please note, more than one section may be applicable. This will enable the Society to process your application as smoothly as possible. If you need any extra room when answering the question, please use the extra space provided on page 15.

FOR SOCIETY USE ONLY

Account Number

Applicant 1 FOR SOCIETY USE ONLY

Account Number IDENTIFICATION

Name ID Name ID

Employee No. Applicant 2 Employee No.

MORTGAGE

APPLICATION FORM

BUSINESS DETAILS (Self-Employed Applicants) (Page 6) EMPLOYMENT/PENSION DETAILS (Page 5) CURRENT/PREVIOUS MORTGAGE/TENANCY DETAILS (Page 8)

We will contact you with the evidence we need once the case has been assessed. 75% LTV and below latest payslip and bank statement

showing salary credit

Above 75% LTV latest three payslips and bank statement showing these salary credits

All documents that we require must be either original or certifi ed copies. We recommend that you send only certifi ed copies of identifi cation. Documents can be certifi ed by Yorkshire Branch, Solicitors, Accountants, Financial Advisors, Commissioner for Oaths.

We will contact you with any evidence we require if it is a Buy to Let mortgage. Please forward six months bank statements showing evidence of rental payments.

(2)

Page 2 of 17

A MESSAGE FROM THE CHIEF EXECUTIVE

Thank you for choosing Yorkshire Building Society for your mortgage. Our aim is to provide you with high quality service and competitive

interest rates so you can feel confi dent you have made the right choice.

The Yorkshire is determined to remain a mutual organisation run for the benefi t of existing and future members. This helps to ensure we can

deliver exceptional value over the full term of a mortgage, as we do not have to pay dividends to external shareholders.

I hope your membership of the Society will be long and rewarding. Our staff will be pleased to answer any queries which you may have.

Chris Pilling

PLEASE USE CAPITAL LETTERS

Name verifi cation 2nd Applicant

VERIFICATION OF CUSTOMER IDENTITY & INTERMEDIARY DECLARATION (FOR INTERMEDIARY ONLY)

Declaration

I confi rm that I have verifi ed the customer(s) identity and will retain suitable records of the evidence seen to satisfy identity verifi cation requirements under the Money Laundering Regulations 2007 and the Financial Services and Markets Act 2000. I will make these records available, on request, to Yorkshire Building Society or the Financial Conduct Authority. I have advised the customer on the types of valuations and surveys available; the other costs included; and credit scoring (if you need any further information about these please refer to our website www.ybs.co.uk). I also confi rm that the registration number for the Financial Conduct Authority (FCA) completed below is correct, and that I have complied with the FCA rules in giving advice to the customer(s). I confi rm that I am not submitting this application on behalf of an unauthorised person or fi rm.

Signature Date

Name

Firm Name and Address

Email

Document type (e.g. Driving Licence, Passport)

Issuer (e.g. DVLA, Passport Offi ce)

Document reference number (e.g. Passport Number)

Document expiry date

1st Applicant

Position

Please indicate the mortgage club/network to be used

(We are unable to pay you a procuration fee without this information)

Telephone FSR Number Fax

What is your fee charged to your client for arranging this mortgage? £ What is the amount of your fee that is refundable if the mortgage

application does not proceed?

What is your fee charged to your client for arranging insurance?

Is the level of service offered to your client advised? Yes No

£ £

Residency verifi cation 2nd Applicant

Document type (e.g. Utility bill, bank statement)

Issuer

Document reference number (e.g. customer number) Document issue date (must be within last 3 months)

1st Applicant Document's country of origin

(3)

PLEASE USE CAPITAL LETTERS

1st Applicant 2nd Applicant 1. Title (Mr, Mrs, etc.) and surname

2. Maiden/previous surname

3. Forename(s)

4. Present address

Postcode

How long have you lived at this address?

Postcode

5. If you have lived at your present address for less than three years, please tell us your previous addresses (and the time spent at each one) during that period.

If you have more than two previous addresses, please use the extra space provided on page 15 of this form. Remember to quote the question number

and section. Postcode Postcode

YOUR PERSONAL DETAILS

(All Applicants)

Years Months Years Months

Residential Status (delete as appropriate)

If OTHER, please give details

Owner Occupier/Tenant/Living with relatives/ Living with friends/Other

Owner Occupier/Tenant/Living with relatives/ Living with friends/Other

How long have you lived at this address? Years Months Years Months

Residential Status (delete as appropriate) If OTHER, please give details

Owner Occupier/Tenant/Living with relatives/ Living with friends/Other

Owner Occupier/Tenant/Living with relatives/ Living with friends/Other

Postcode Postcode

How long have you lived at this address? Years Months Years Months

Residential Status (delete as appropriate) If OTHER, please give details

Owner Occupier/Tenant/Living with relatives/ Living with friends/Other

Owner Occupier/Tenant/Living with relatives/ Living with friends/Other

6. Home telephone number (including STD)

7. Work telephone number (including STD)

8. Mobile

10. Date of birth

11. Marital status (delete as appropriate)

12. Sex (delete as appropriate) Male/Female Male/Female

9. Email address

Married/Civil Partner/Single/Widowed/ Surviving Civil Partner/Divorced/ Dissolved Civil Partnership/Separated

Married/Civil Partner/Single/Widowed/ Surviving Civil Partner/Divorced/ Dissolved Civil Partnership/Separated

(4)

PLEASE USE CAPITAL LETTERS

1st Applicant 2nd Applicant 13. Number of dependants

(e.g. children who are fi nancially dependent on you)

Page 4 of 17 14. Are you a UK citizen or a citizen of an EU/

EEA country?

If NO, do you have indefi nite leave to remain in the UK?

Yes No Yes No

Yes No Yes No

15. Nationality

PLEASE USE CAPITAL LETTERS

Employed/Self Employed/Retired/Unemployed

1. Are you currently (delete as appropriate) Employed/Self Employed/Retired/Unemployed

£

2. Basic annual salary/net profi t/pension £

(a) Sustainable annual overtime (i.e. the amount you reasonably expect to continue earning) (b) Sustainable annual bonus (i.e. the amount

you reasonably expect to continue earning) (c) Sustainable annual commission

Total income

£ £

£ £

£ £

£ £

3. Please give details of any other income you may have (e.g. pay you get from a second job, share dividends, maintenance payments received under a court order, rental from investment properties)

(b) Amount (gross)

Source

If dividend income, please give last 3 years

£ £

1st Applicant 2nd Applicant

YOUR PERSONAL DETAILS

(All Applicants)- Continued

YOUR OCCUPATION AND INCOME

(All Applicants)

(a) Amount (gross)

Source

If dividend income, please give last 3 years

£ £

4. At what age do you expect to retire?

5. Is your income likely to reduce during the next 12 months?

If YES, please give details

Yes No Yes No

6. (a) What is the name of your Tax Offi ce? (b) What is your Tax Reference?

(not your Tax Code)

(c) What is your National Insurance Number?

(5)

Start (f) If you are on a fi xed term contract,

please state the start and end dates

of the contract End Start End

3. (a) Your job title

INSTRUCTIONS FOR EMPLOYED APPLICANTS Please complete the following questions:

Years Months Years Months

(d) How long have you been with your current employer?

(c) What is your employer's telephone number (including STD)?

(b) What is your employer's trade/ profession?

(e) If you have been with your current employer for less than 3 months, please tell us where you previously worked during the last year, what job(s) you have done and when your employment started and fi nished

Please use the extra space provided on page 15 of this form, if required. Remember to quote the question number and section.

Page 5 of 17

1. (a) Status (delete as appropriate) Salaried Director / Non-Salaried Director / RetiredPermanent Employee / Fixed Term Contract Salaried Director / Non Salaried-Director / RetiredPermanent Employee / Fixed Term Contract

INSTRUCTIONS FOR RETIRED APPLICANTS

If you receive income from more than one pension, please use the Extra Space provided on page 15 of this form and remember to quote the question number and section. You may then proceed to the next appropriate section.

(c) Employee number/Pension reference

(d) Employer/Pension company name

(e) Employer/Pension company address

Postcode Postcode

(g) How frequently are you paid?

(delete as appropriate) Monthly/4 Weekly/Fortnightly/Weekly Monthly/4 Weekly/Fortnightly/Weekly (h) How are you paid? (delete as appropriate)

If OTHER, please give details

Cash/Cheque/Direct to bank/Other Cash/Cheque/Direct to bank/Other (f) Name of department/individual

who can provide the Society with confi rmation of your income/pension

2. Are you a member of a company pension

scheme or superannuation scheme? Yes No Yes No

(b) Are you (delete as appropriate) Full Time / Part Time Full Time / Part Time

EMPLOYMENT/PENSION DETAILS

(Employed and/or Retired Applicants)

(g) If you are a company director, what is your % shareholding?

If 25% or more, please confi rm the name and address of your accountant

Postcode Postcode

(6)

PLEASE USE CAPITAL LETTERS

1. (a) What is the nature of your business? (b) In what capacity do you carry on your

business? (e.g. partnership, sole trader) (c) What is the name and address of

your business?

Postcode Postcode

Years Months Years Months

(d) How long has the business been established?

(e) How long have you been connected

with the business? Years Months Years Months

2. Name and address of your accountant?

Postcode Postcode

3. What is the name of the accountant dealing with your business?

4. What qualifi cations does your accountant hold? E.g. FCA, ACA, etc.

1st Applicant 2nd Applicant

1. Do you have a current account with a bank or building society?

If YES, state how long you have had it (if you have more than one, please refer to the one you have had the longest)

Yes No Yes No

Years Months Years Months

2. Do you have a savings account?

If you have an account with the Yorkshire, what is your account number?

Yes No Yes No

PLEASE USE CAPITAL LETTERS

1st Applicant 2nd Applicant

Do you have a debit card? Yes No Yes No

3. How many credit cards do you have?

Page 6 of 17

BUSINESS DETAILS

(Self-Employed Applicants)

FINANCIAL DETAILS

(All Applicants)

Do you regularly use an overdraft facility? Yes No Yes No

Maximum amount overdrawn in last 3

months £ £

4. Do you have any debts outstanding under hire purchase arrangements, bank loans, credit cards, secured loans, student loans etc.?

If YES, please give details, including outstanding debt, monthly repayments, the dates when the debts are due to be fully repaid, and if they will be paid off on completion

Yes No Yes No

Monthly Repayment

(7)

8. Following completion of this mortgage, will you be party to any other mortgage(s)? If you are in the process of applying for a mortgage (including buy to let and investment mortgages) with another lender, you should tell us about this too

If YES, please give full details

Yes No Yes No

PLEASE USE CAPITAL LETTERS

1st Applicant 2nd Applicant

£ 9. When you take out this mortgage what

will the outstanding balance be on any other mortgage?

£ 7. Have you ever had a mortgage, or been

party to one? Yes No Yes No

10. Have you ever been behind with any fi nancial commitment (e.g. mortgage, secured loan, unsecured loan, credit card, tenancy)?

If YES, please give full details

Yes No Yes No

11. Have you ever had a county court judgment (CCJ) or a high court judgment registered against you (Court Decree in Scotland) or are you currently involved in any court proceedings in connection with a debt? If Yes, please give details

Yes No Yes No

6. Are you making any maintenance payments to a third party? If YES, please give details

Yes No Yes No

FINANCIAL DETAILS

(All Applicants) - continued

5. Do you pay child minding, nursery or school fees or have other signifi cant outgoings?

(8)

Page 8 of 17 13. Where the required term extends beyond

your 65th birthday or your planned retirement age where this is earlier, please confi rm the following details:

FINANCIAL DETAILS

(All Applicants) - continued

PLEASE USE CAPITAL LETTERS

1st Applicant 2nd Applicant

What is your estimated post retirement

income? £ £

What is the strategy that you will adopt to ensure your mortgage repayments remain affordable once you have retired or to repay your mortgage on/before retirement?

1. (a) Please tell us the name(s) and address(es) of the lender(s) (e.g. building society) you have had a mortgage with in the last twelve months, starting with your current or most recent one

1.

2.

(b) What is the address of the property relating to each mortgage? Please use the extra space provided on page 15 of this form if required. Remember to quote the question number and section.

1. 2. 1. 2. 1. 2.

CURRENT/PREVIOUS MORTGAGE DETAILS

(Applicants who have a mortgage now or have had a mortgage in the past)

12. Have you ever been subject to an Individual Voluntary Arrangement (IVA), Bankruptcy order or Trust Deed (Scotland only)? If YES, please give details

(9)

PLEASE USE CAPITAL LETTERS

(d) What is/are the balance(s) owing on

any current mortgage? 1. £

£ (e) If applicable, what is the selling

price/value of your property? £

2. £ 1. £ 2. £

1st Applicant 2nd Applicant

2. Have you ever surrendered a mortgaged property or had a property repossessed by your lender?

If Yes, please give details

Yes No Yes No

CURRENT/PREVIOUS MORTGAGE DETAILS

(Applicants who have a mortgage now or have had a mortgage in the past) - continued

1. If you are currently renting the property that you are living in, please tell us: (a) The name and address of your

current landlord

Postcode Postcode

(b) The date your tenancy began

£

(c) Your monthly rental payment £

2. If you have been with your current landlord for less than 12 months, or ever rented during the last 12 months, please tell us: (a) The name and address of any

previous landlord(s)

Postcode Postcode

CURRENT/PREVIOUS TENANCY DETAILS

(Applicants who are renting or have rented in the last 12 months)

(c) What are/were the mortgage account

numbers? 1. Date opened Date repaid 2. 1. 2. Date opened Date repaid Date opened Date repaid Date opened Date repaid

Repay the mortgage at the time of completion

Be released from the mortgage

Retain the mortgage

Repay the mortgage at the time of completion

Be released from the mortgage

Retain the mortgage

Repay the mortgage at the time of completion

Be released from the mortgage

Retain the mortgage

Repay the mortgage at the time of completion

Be released from the mortgage

Retain the mortgage (f) (i) If this mortgage will still be

outstanding when the mortgage completes will you:

(f) (ii) If this mortgage is with another lender, when the mortgage completes will you:

(10)

Page 10 of 17 4. Type of property (more than one answer may

apply) House Semi-Detached Detached Bungalow Terrace Chalet Flat/ Maisonette 5. If you have ticked FLAT or MAISONETTE

please tell us

Which fl oor

in the block No. of fl oorsin the block Purposebuilt Convertedhouse

Above/below shop premises

7. Accommodation - please indicate the number of:

Reception

Rooms Kitchens Bedrooms Bathrooms

Inside WCs (if separate) 8. Do you already live in and rent the

property that you wish to buy and/or are you purchasing under a "Right to Buy" scheme?

If YES, please give details

Yes No 6. Has the property ever been occupied? Yes No

10. Will the property be your main residence? Yes No

11. Please give the full names of anyone over the age of 17 who will be living with you in the mortgaged property

Yes No 9. Do you intend to let or run a business

from any part of the property? If YES, please give details

DATE OF ENTRY (SCOTLAND ONLY)

PROPERTY INFORMATION

(All Applicants)

1. Full address (if it is a new property, and yet to be numbered, please tell us the plot number)

Postcode

3. Tenure of the property (more than one answer

may apply, please complete as appropriate) Heritable (Scotland Only) Leasehold

-unexpired term of lease: 2. Approximate year that the property was

built

Yrs.

Freehold - Rentcharge amount (if applicable): £

Yes No If the property is under construction, do you wish

the mortgage to be released in instalments?

Ground Rent amount £ Commonhold

(b) The address of your previous property if it is different to the answer given in question 5 on page 3

Postcode Postcode

(c) The date your previous tenancy began 3. Have all your rent payments always been

paid on time? Yes No Yes No

(11)

1. How much do you wish to borrow and what

length of repayment term would you like? £ Years

2. What is the purchase price of the property you wish to buy, or if remortgaging, the

approximate current value? £

What is the valuation amount of the property?

(Scotland Only) £

(a) from where, and the date when you must repay it

(b) how much will you be repaying

each month? £

5. Which of the Society's products are you applying for?

Note: If you would like to have more than one product or if you are an existing borrower, wishing to use portability, please confi rm the amount required on each product

£

Product

£

Code

6. How do you intend to repay the mortgage? Please refer to the booklet "A guide to arranging your mortgage"

For the amount in the interest only box, please state proposed repayment vehicle/ strategy

e.g. Endowment, Pension, General Investments £

Capital & Interest £

Interest Only £

Total

£

Amount Repayment Vehicle

£

4. If you are borrowing the difference between the purchase price and the amount of loan you are applying for from a third party, please tell us:

£

£

Amount Repayment Vehicle

£

Note: If repayments of your loan continue into retirement, you must ensure that you fully understand the fi nancial implications

3. Is this loan for the benefi t of all applicants? Yes No

IMPORTANT INSURANCE INFORMATION

9. You should consider how you would pay your mortgage if you became unemployed, sick or had an accident and therefore could not work. A member of staff will discuss this with you. We Choose to introduce our customers to Cardif Pinnacle for the purposes of advising on and arranging short-term Income Protection Products bearing Cardif Pinnacle’s name. A member of staff will discuss this with you.

10. It is a condition of your mortgage that your property must be adequately insured. The Yorkshire offers a range of excellent, value for money products to cover both your buildings and contents. You can pay your insurance premiums monthly by direct debit at no extra cost and arranging your insurance through the Yorkshire means you will receive a fi rst class service, particularly if you unfortunately have to make a claim. A member of staff will discuss your needs or requirements with you.

8. Do you want to add the Higher Lending Charge to your loan amount?

HIGHER LENDING CHARGE - please refer to the booklet "A guide to arranging your mortgage".

Yes No N/A

As an intermediary, we act on your behalf in arranging your insurance. Your You Choose Home insurance policy will be provided by Royal & Sun Alliance Insurance plc which is authorised and regulated by the Financial Conduct Authority.

If you are applying for an Offset product, please complete the Offset Savings section on page 13.

PROTECTING YOUR MORTGAGE

The Society strongly recommends that you protect your mortgage in the event of death or critical illness. We can advise on suitable Legal & General products that can help repay your mortgage should the worst happen. A member of staff will discuss your needs or requirements with you.

If you have additional protection requirements that exceed your mortgage amount, we can introduce you to a Legal & General consultant who can help you further.

Information on all our Insurances can be found on our 'Protecting Your Home' booklet.

PLEASE USE CAPITAL LETTERS

YOUR MORTGAGE REQUIREMENTS AND INSURANCE NEEDS

(All Applicants)

(It is important that you do not overstate the current value. The fi gure we use as the basis of our lending is one for mortgage purposes, and, as such, may differ from a market valuation).

7. If the repayment vehicles do not cover the entire interest only element of the loan, please tell us what alternative arrangements have been made to repay the capital part of the mortgage at the end of the term:

Sell this property and downsize

Make regular overpayments to repay capital Regular overpayment amounts £

(12)

Page 12 of 17 2. Who can the valuer obtain the keys

from?

(Please confi rm contact name, address and

daytime telephone number) Postcode Telephone

Please only answer questions 4 and 5 if you are buying a property

4. Name and address of person selling

Postcode Telephone

5. Are you receiving any cashbacks, discounts, allowances or other incentives in connection with this purchase from any source?

If YES, please give full details

Yes No 3. Name and address of solicitor/licensed

conveyancer

If you know the name of an individual we should contact, please tell us

Postcode Telephone

1. What type of valuation do you require? Mortgage Valuation Home Buyer Survey & Valuation Note: If you require a building survey, you must

contact the Society for further information If you have already had a valuation carried out before making this application, please confi rm the contact name, address and telephone number of the valuer

Building Survey

Postcode Telephone

Please only answer questions 6-8 if you are applying for a new mortgage on the property which you currently own (i.e. remortgaging) 6. Are there any other charges or registered

interests currently secured on the property you wish to remortgage to the Yorkshire?

If YES, please give full details

Yes No

7. Do you want to borrow more from the Yorkshire than you did from your current lender?

(When remortgaging, this is something which may be possible)

If YES, please tell us the purpose of that extra borrowing

Yes No

Debt consolidation Home improvement Capital raising not be used for business purposes)(please note this may

Please give details

£ 8. What was the original purchase price of

your property?

The value of your home is very important to us. A mortgage application can only proceed when the value of your home has been assessed on behalf of the Society. This assessment will not necessarily involve an internal inspection of your property or a full written report on its condition. The type of assessment used is at the discretion of the Society, and will be based on various factors, including loan size, property type and product. Please see "A guide to arranging your mortgage" for further details about the types of assessment used, and the circumstances when the Society would send you a copy of a valuation report. If we do send you a copy of the valuation report prepared on behalf of the Society, please remember it is NOT a survey and you should read the warnings set out in the report.

If you are buying a property the Society recommends that you consider the need for a more detailed survey carried out on your behalf. The booklet "A guide to arranging your mortgage" provides more information about valuations and about the types of survey available to you.

Details of valuation fees are available on request.

VALUATION AND SOLICITORS DETAILS

(All Applicants)

(13)

PLEASE USE CAPITAL LETTERS

1st Applicant 2nd Applicant (if applicable)

1. Title (Mr, Mrs, etc.) and surname

2. Forename(s)

You are allowed to link up to a maximum of three accounts to your offset mortgage account. Linked accounts may be either offset savings accounts or offset plus savings accounts subject to having a minimum of at least one offset savings account. All names on the offset savings account must also be a party to the mortgage application. All names on the offset plus savings account must be third parties (i.e. family/friends) and not named on the mortgage. Details of offset plus savings accounts and application forms are to be found in our "Offset plus for savers" pack which should be given to prospective offset plus savers. Offset plus application forms need to be completed and signed by both borrower and saver. Please do not complete the following for offset plus savings accounts.

Please provide details of the offset savings accounts you intend to open below and we will send you application form(s) for signature with your mortgage offer. Unless you tell us otherwise, any cashback or refund relevant to your mortgage product will be paid into offset savings account 1.

OFFSET SAVINGS ACCOUNT 1

OPTIONAL ADDITIONAL OFFSET SAVINGS ACCOUNTS (if required)

OFFSET PAYMENT DETAILS

Your Payment Amount

With the offset mortgage account you have three options for your payment amount.

1. You can opt to pay on a gross basis and your payment will be based on your mortgage balance only. This allows any offset savings balances to work harder by reducing the outstanding mortgage balance faster.

2. You can decide to pay on a net basis and your payment will be based on the combined balance of your mortgage and your savings balance(s). You must estimate the total amount of savings which will be paid into accounts linked to your mortgage within 30 days of completion of the mortgage. This estimated amount should include the amount that you will pay into your offset savings account and also any amounts third parties may pay into offset plus savings accounts. Your net payment will initially be based on this estimate.

Please indicate the payment option you require GrossPayment Net Payment- based on estimated initial savings balance of £ 1. Title (Mr, Mrs, etc.) and surname

2. Forename(s)

OFFSET SAVINGS ACCOUNT 2

1. Title (Mr, Mrs, etc.) and surname

2. Forename(s)

OFFSET SAVINGS ACCOUNT 3

OFFSET SAVINGS DETAILS

(Applicants who are applying for an Offset Mortgage)

Arrange Static Payment

3. You can agree to pay more than your normal payment by registering a static payment which will automatically reduce the term of your mortgage by taking into account the overpayment being made.

PLEASE USE CAPITAL LETTERS

Your Payment Date

A fi rst payment of initial interest will be payable immediately following completion. Your monthly payments will then be due on the fi rst day of the month to which they relate, starting from the 1st of the month following release of funds. With the Society's agreement the date that your monthly payments are due can be changed to any date between the 1st and 28th of the month, to help coincide with your salary payment.

1. If you wish to pay on a date other than the 1st, please enter it in the box Your Payment Method

The Yorkshire operates a Direct Debit scheme which provides a simple and convenient way to pay. Below is a Direct Debit instruction form. Please complete it, sign it and return it along with this application form, to ensure that there is no delay in commencing collection following completion of your mortgage.

No collections will be taken until after completion of your mortgage, and the Society will give you seven working days notice of any change in the amount or date of your direct debit collections.

If you have NOT completed the Direct Debit form, please indicate how you intend to make payments

Standing Order Cash Cheque

(14)

Page 14 of 17

YOUR PAYMENT DATE AND METHOD

(All Applicants)

YBS 0774 (1019) 18/12/13

YBS 0774 (1019) 18/12/13

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 accept instructions to pay Direct Debits.

• If there are any changes to the amount, date or frequency of your Direct Debit Yorkshire Building Society will notify you 7 working days in advance of your account being debited or as otherwise agreed. If you request Yorkshire Building Society to collect a payment, confi rmation of the amount and date will be given to you at the time of the request.

• If an error is made in the payment of your Direct Debit, by Yorkshire Building Society or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.

- If you receive a refund you are not entitled to, you must pay it back when Yorkshire Building Society asks you to.

• You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confi rmation may be required. Please also notify us.

All communications with us may be monitored/recorded to improve the quality of our service and for your protection and security.

1. Name and full postal address of your bank or building society. The Manager

...

...

...

... Postcode: ... Yorkshire Building Society

Yorkshire House Yorkshire Drive Bradford

BD5 8LJ

INSTRUCTION TO YOUR BANK OR BUILDING SOCIETY TO PAY BY DIRECT DEBIT

8 5 0 1 7 7

2. Name(s) of Account Holder(s) 3. Branch Sort Code

4. Bank/Building Society Account Number

5. Instruction to your bank or building society

Please pay Yorkshire Building Society 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 Yorkshire Building Society and, if so, details will be passed electronically to my bank or building society.

Signature(s)

Date

Banks and building societies may not accept Direct Debit Instructions for some types of account.

For Yorkshire Building Society offi cial use only - this is not part of the instruction to your bank or building society Please complete the whole form using ballpoint pen and return the completed form to the address below.

If you prefer, you may specify a payment date between 1st and 28th of each month. Please enter the date in the box.

Reference Number

Service User Number

This guarantee is provided by Yorkshire Building Society (i.e. Yorkshire Building Society Mortgage Account Number.)

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If you require additional space, please attach a separate sheet and tick if applicable

PLEASE USE CAPITAL LETTERS

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Page 16 of 17 Use

• We will use your personal information together with other information available including relevant sensitive information, e.g. health, nationality, offences or proceedings or other items as appropriate to process your mortgage application and arrange associated insurance. We will also use it to make credit decisions, complete your mortgage and administer your account, up to and including redemption, contact you where necessary, for fraud prevention and detection, legal and regulatory compliance, marketing and market research and general business purposes.

• We may undertake a search with Credit Reference Agencies, now and in the future, for the purposes of verifying identity and the details submitted, in line with regulatory requirements. The Credit Reference Agencies may check the details supplied against any databases (public or otherwise) to which they have access. They may also use the details in the future to assist other companies for verifi cation purposes. A record of the search will be retained, but will not affect future credit. By proceeding with this application you are agreeing to a search being undertaken in this way.

• If false or inaccurate information is provided and fraud or money laundering is identifi ed, details will be passed to fraud prevention agencies and/or law enforcement agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when: - checking details on applications for credit, credit related or other facilities

- managing credit and credit related account or facilities - recovering debt

- checking details on proposals and claims for all types of insurance - checking details of job applicants and employees

Please write to: Group Risk Department, Yorkshire Building Society, Yorkshire Drive, Bradford BD5 8LJ if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

• Any document provided during or after the application process to help prove identity may be checked with the issuing authority. • Yorkshire Building Society and its group of companies share information for fraud prevention purposes.

• If you take out Yorkshire Building Society Household Insurance the Society and/or your insurer, Royal and SunAlliance Insurance plc, may:

- disclose information you have supplied and details of your policy and claims to each other; and to a data administration company, to licensed credit reference agencies, relevant insurance companies and fraud prevention bodies, and this information will be made available to other prospective lenders and insurers.

- use your personal information together with other information available (including relevant sensitive information, e.g. health, offences and proceedings or other items as appropriate) to carry out risk assessment, process your application, administer your policy and claims during the life of the policy, contact you where necessary, for fraud prevention and detection, legal and regulatory compliance, marketing and market research and general business purposes.

• If you are making this application on behalf of another person they must have authorised you to act on their behalf, to give us their personal information, to authorise a credit search if necessary and to consent to our use of their personal information, as described.

• An ‘association’ between the joint applicants and/or any individual identifi ed as your spouse or fi nancial partner will be created at credit reference agencies, which will link your fi nancial records. You and anyone else with whom you have a fi nancial link should understand that each other’s information will be taken into account in all future applications by either or both of you. This linking will continue until one of you successfully fi les a ‘disassociation’ at the credit reference agencies.

• We may from time to time carry out an additional credit search for account management purposes but this will not affect your future creditworthiness.

• If we use an automated system to make a decision about you, such as credit scoring, we will tell you if your application is rejected and give you the opportunity to discuss the matter with us. The decision will be reviewed and may be changed, if appropriate.

• We will keep your personal information only for as long as is necessary for us to administer the account you have in line with regulatory requirements. Disclosure

• When assessing your request, we may carry out a credit reference search with one or more licensed credit reference agencies. This may have implications on future creditworthiness for you.

• Whether or not your application to us is successful, each agency will add details of the search, and your application, to their records and will share this information with other lenders and grantors of credit and insurance who will use it when assessing any applications for banking, loan, hire facilities or insurance which you may make in future. They will use it for verifying identity, fraud prevention, debt recovery and tracing debtors. The agencies may also use the information for statistical analysis and market research. • We may disclose details about the progress of your application, including if it has been granted, to your broker, Independent Financial Adviser, professional adviser or other

intermediary, if the request came from them.

• We may contact HM Revenue & Customs, Department for Work & Pensions, any lender, landlord, employer or professional adviser named on this form to obtain information to confi rm any income received and payments made.

• We may disclose information you have supplied, and details of how you conduct your account (including arrears, defaults and repossession proceedings), to credit reference agencies and fraud prevention bodies.

• We may disclose details of your account, including balance outstanding, interest rate(s) applicable, early repayment charges and monthly payments to potential borrowers if one of you in the future enquires about adding or removing a party to the account (also known as a "transfer of equity"). However such a transaction will not proceed without a completed application form signed by all account holders.

• Where the mortgage applied for is an offset mortgage, we will disclose information to an offset plus savings account holder. Disclosure will be limited to information necessary to manage the offset plus account. This may include a transfer of equity, a product transfer to a non-offset mortgage, notifi cation that total savings exceed the mortgage balance, a request to de-link the offset plus savings account and redemption of the mortgage.

• We may disclose personal information to (i) our external auditors and regulatory bodies including the Financial Ombudsman Service, the Prudential Regulation Authority and the Financial Conduct Authority, and (ii) associate companies, agents and service providers, including solicitors and valuers acting for the Society, debt recovery agents, letting agents, market research agencies and providers of information technology services.

• If we sell or transfer all or part of our business, we may disclose or transfer our customer records as part of the proposed/actual sale or transfer. However, we will only do so under a contract, which protects the confi dentiality and security of your information.

• Insurers pass information to the Claims and Underwriting Exchange register, run by Insurance Database Services Ltd. (IDS Ltd.). The aim is to help us check information provided and also to prevent fraudulent claims. When we deal with your request we may search the register. When you tell us about an incident (such as fi re, water damage or theft) which may or may not give rise to a claim, we will pass information relating to it to the register. IDS Ltd. may also pass on information received from other insurers about other incidents involving anyone insured under the policy.

• We will respect your rights to privacy and will not disclose your personal information to anyone except with your consent or if the law, public duty or our legitimate interests require us to.

• We may occasionally need to transfer personal information to countries outside the European Economic Area (EEA). This will only be done under a contract which includes appropriate safeguards for the security and confi dentiality of your personal information, with your consent or where permitted by the Data Protection Act.

Rights

• You have the right to have any inaccuracies corrected, to object to direct marketing at any time and a right of access under the Data Protection Act to your personal records held by the Society, subject to payment of a fee.

• Our explanatory leafl ets “How we use your personal information” and “Your Rights and The Data Protection Act” contain additional information about General Business Purposes, Agencies and Service providers we use and explain sensitive information. These leafl ets and our Subject Access Request form (YBS 0039) that should be used if you require access to your personal information, can be obtained from your local branch, the Member Contact Centre on 0845 1 200 100 or from www.ybs.co.uk.

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I apply for a loan on the property mentioned on page 10 (or any Replacement Property Form attached to this form) and to become a borrowing member of the Yorkshire Building Society ("the Society"). 1. I agree:

• to comply with the rules of the Society and understand that these may be changed in the future.

• that this information will form the basis of the mortgage contract between me and the Society and that if I enter into an associated insurance contract it will also be the basis of a contract between me and the insurer.

• to tell the Society about any information which may affect the insurance cover provided. I understand that the policy may be invalid, or the cover affected, if I do not disclose this information. • to pay the Society's conveyancing costs and valuation fees even if the mortgage does not complete.

• to a 7-day notice period for Direct Debit changes.

• to the processing of my personal information as explained on page 16 of this form.

• to tell the Society of any changes to the information in this form which arise between now and completion of the loan. • to the release to Yorkshire Building Society of my conveyancer's fi le in its entirety.

2. I confi rm that:

• the information in this form is true and complete, including any answers which have been completed by someone else.

• I am aware that repayments of my loan may continue after I am retired. I confi rm that I have discussed this with my mortgage interviewer and that I understand the fi nancial implications. • I have received a copy of the booklet "A guide to arranging your mortgage". I have read all sections and have had an opportunity to have anything I do not understand explained to me by my

mortgage interviewer or fi nancial adviser.

3. I have read the explanation on Transfers of Mortgage (above) and had the opportunity to have anything I do not understand explained to me. I acknowledge that you are entitled to transfer the Society's interest in the mortgage which I am applying for and any related security, assignment or other related deeds or documents to another body. I consent to the transfer of the Society's interest. 4. I understand that:

• the Society does not have to make an offer of a loan or refund any fees paid if I do not meet its lending criteria.

• if the Society offers me a loan, this does not imply that the Society is agreeing that the price paid for the property is reasonable. CHARITABLE ASSIGNMENT OF CONVERSION BENEFITS

The wording in paragraphs 1 to 3 below does not apply if either you were a member of the Society on 8 April 1998 and have remained a member since that date or you became a member after 8 April 1998 and have already signed a declaration the same as or similar to the one in paragraphs 1 to 3 below. If this is the case, please tick this box.

1. By applying to open an account I agree with the Society and Yorkshire Building Society Charitable Foundation (“the Foundation”) that I will assign to the Foundation (or to any charity(ies) nominated by it but to no other person) the right to any relevant conversion benefi ts which are defi ned below. This obligation will not apply to me or may apply to me for less than 5 years if I fall within any class of persons which, as at today’s date, the Society decides would be inappropriate to be bound by this assignment condition. This agreement is irrevocable and authorises the Society to give to the Foundation (or to any charity(ies) nominated by it) any such benefi ts without further notice to me. I understand that neither the Society nor the Foundation will release me from this agreement or vary its terms and I will continue to be bound by the above condition even if the Society decides at some time in the future (and announces any such decision by press release) that it is no longer in the best interests of the Society to continue with the above assignment condition generally in respect of new members. 2. “Relevant conversion benefi ts” means any benefi ts under the terms of any future transfer of the Society’s business to a company (ie on a conversion or takeover) which I might become

entitled to as a member or depositor with the Society at any time within 5 years immediately following the date on which this account is opened. Relevant conversion benefi ts does not include the statutory right to have shares in the Society (including any balances on share accounts) converted into deposits with the company on a conversion or takeover. If the Society merges with any other society, after the date of such merger the “Society” includes such other society.

3. I authorise the Society to pass to the Foundation such information relating to me and all my accounts with the Society as the Foundation may reasonably require in order to administer this agreement to assign and for no other purpose.

Signature of Applicant Date Signature of Applicant Date 1st Applicant 2nd Applicant Transfers of Mortgage

Although you may not transfer your interest in the mortgage without consent, there is no restriction in the mortgage against a transfer of the Society’s interest. The Society may transfer its interest in your mortgage to another party which may not necessarily be a building society or an associated body of a building society. If the Society transfers its interest in your mortgage your borrowing membership of the Society may cease.

Small Change Big Difference: Our fact sheets and booklets explain that the Society will round up the annual interest charged on your mortgage to the nearest £1.00 and donate an amount equal to the pence of interest rounded up (never more than 99p a year) to the Yorkshire Building Society Charitable Foundation. You can tell us at any time if you do not want to do this. The Trustees of the Foundation welcome your suggestions of charities which could be supported, subject to criteria. If you do NOT want to give your pence, please tick this box.

All communications with us may be monitored/recorded to improve the quality of our service and for your protection and security.

DECLARATION

(TO BE SIGNED BY ALL APPLICANTS)

Head Offi ce · Yorkshire House · Yorkshire Drive · Bradford BD5 8LJ Tel: 0845 1 200 100 · Fax: (01274) 652134 · Dx No. 11798 Bradford

www.ybs.co.uk

Managing our contact with you: We (being Yorkshire Building Society, any trading name operated by Yorkshire Building Society or any of its subsidiary companies) would occasionally like to keep you up to date with details of products and services supplied by us and carefully selected organisations. This may be by post, phone or email. By giving your details you are agreeing to receive this information.

If there is a contact method you do NOT want the Yorkshire Building Society to use for this, please tick the relevant box:

Applicant 1: Mail

If you are an existing customer, with any trading name operated by us or any subsidiary company, your marketing permissions already held will not change at this time, unless you notify each trading name or subsidiary company separately.

We will not sell your details to other companies but we may use marketing agents to act on our behalf.

Phone Email

Applicant 2: Mail Phone Email

Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Yorkshire Building Society is entered in the Financial Services Register and its registration number is 106085.

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