YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE . All loans subject to status. Applicants must be aged 18 years or over to apply. Security required. For all Lloyds TSB Scotland mortgages, the property must be covered by a buildings insurance policy, which is acceptable to Lloyds TSB Scotland plc. An Arrangement Fee may be payable. Early Redemption Charges may be applicable. Written quotations available on request. To ensure security for our customers and staff, and to help us maintain service quality, some phone calls may be recorded or monitored.

The information contained in these pages is correct as at April 2003.

Lloyds TSB Scotland plc represents only the Scottish Widows and Lloyds TSB Marketing Group for life assurance, pensions and unit trust business.

Lloyds TSB Scotland plc. Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland no. 95237. Authorised and regulated by the Financial Services Authority and a signatory to the Banking Codes.