SCHEDULES

SCHEDULE 12U.K. Schemes for Investigation of Complaints

Part IIU.K. Requirements for Recognised Schemes:Matters of Complaint

Borrowers: mobile home loansU.K.

4The operation or termination of the account of a borrower under section 15 and the grant or refusal to grant a borrower under that section other facilities normally available to borrowers of his description.

Note: The operation or termination of the account of a borrower under section 15 includes any aspect of the relationship or the termination of the relationship between the lender and such a borrower, including in particular the exercise of any power over the security.

Note: The grant of facilities includes the terms on which they are granted.