Why Do Business with Accord?

1. Accord Mortgages and New Leaf Distribution Why Do Business with Accord?

2. The Benefits to You: • Dedicated Intermediary only brand of Yorkshire Building Society • Transparent commitment of No Cross Selling • Service Driven Lender – Honest weekly Publication of Service delivery • A Lender across Prime House Purchase/ Remortgage • We Share Client information with you – Available Online with Ongoing up to date Account Information • A nationwide team of Key Account Managers dedicated to providing you sales support

3. Awards & Accolades • Financial Adviser – 5 Star Award 2007 & 2008 • Mortgage Strategy Technology Award – Gold Award for 5th year running • Money Marketing e-excellence - rated “eee” in 2008 • Mortgage Edge Online Technology Awards – Best Online Support 2007

4. Our Service Standards Accord has service standards in place for: • Processing of Lending Decisions at AIP stage - maximum 4 hours • Processing of Offers - 8 day service standard, often quicker than this • Dealing with Post, faxes, emails - on day of receipt • Call handling times - 80% of calls answered within 2 minutes • We monitor all of the above and report progress against these on our website. • We provide Dedicated Case Manager ownership of your application from Day 1 • We provide clear and honest communication on service where application volumes could jeopardise our consistent excellent service delivery • Broker Surveys on service standards held monthly, feedback from which have direct link to Accord processing staff remuneration.

5. Embracing Technology • Verified copies of documents can be scanned and emailed to us • Daily email updates via our MATS system to update on progress of a case • Online I.D Verification • Product Filtering at FMA stage • Paperless declarations • Soft Footprint facility at AIP stage • New!! - Shopping List facility at AIP stage • E-Conveyancer links via our website • Full integration into Trigold/MBL/MTE

6. Our Prime Proposition • Range of products determined by LTV • Range of remortgage products featuring free legals & free valuation up to £470 • Offset Products - with unlimited overpayments, mortgage & savings remain separate, no need to open a current account or take out a credit card. • Income multiples up to 4x joint income • Let to buy available to 85% LTV

7. General Criteria Highlights • 50% of regular overtime, bonus & commission (subject to cumulative figure not exceeding basic salary) • Automatically gross up - Working Tax Credit, Child Tax credit & Child Benefit • Also gross up Maintenance & Dividends (Limited Company Directors) • All probationary periods disregarded and no minimum employment period • Annual Salary Increments within 12 months and Pay rises within 3 months accepted • Highly Skilled Migrants considered • Daily Interest Charging • Interest Only – Sale of Property acceptable to 85%

8. Existing Customers • Advance notification of upcoming product maturities by email to original Intermediary • Existing Prime Products available to qualifying customers • Simple 1 page Online completion of application for product transfer • KFI’s available from Accord Website • Up to date balances/terms/product maturity dates can be viewed on Accord website with account number • Full standard procuration fee payable for transfers onto a Prime product

9. Customer Ownership We fully acknowledge that the clients are yours • You get ongoing access to your clients data for the life of the loan • We will not cross sell to your clients or deal directly with them • We provide copies of any arrears correspondence that has been sent to your clients • We give you advance notification of upcoming product maturities by email

10. Competitivesavings products for intermediaries • Excellent ratesof commission, great savings accounts and dedicated support • Free access to exclusive Yorkshire Building Society products through a trusted portal • A straightforward way to do business – sourcing and applying for products in one place on the eMoneyfacts Savings Club website

11. Thank You