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about this mortgage

DPS Financial Consultancy 12 Highnam Business Centre Highnam Gloucester Gloucestershire GL2 8DN Personalised illustration for: Date produced: Valid Until: Must commence by:

Mr Mark Fielding & Mrs Linzi Fielding 14/02/2011 13:24 This illustration is valid only on the date produced. 31/07/2011

This is not a legally binding mortgage offer and it does not oblige Barclays Bank PLC (trading as Woolwich) to provide you with the mortgage described in this illustration.

1. About this illustration ü

We are required by the Financial Services Authority (FSA) - the independent watchdog that regulates financial services - to provide you with this illustration.

ü

All firms selling mortgages are required to give you illustrations like this one, that contain similar information presented in the same way.

ü

Ensure that you obtain other illustrations if you want to compare this mortgage with mortgages from other lenders.

2. Which service are we providing you with? We recommend, having assessed your needs, that you take out this mortgage.

¸ We are not recommending a particular mortgage for you. However, based on your answers to some questions, we are giving you information about this mortgage so that you can make your own choice.

3. What you have told us Amount of loan required:

£130,000.00. No fees have been added to this amount but the fees you need to pay are shown in Section 8.

Property valuation

£175,000.00

Term of regulated mortgage contract

25 years

Repayment method

Repayment mortgage

The valuation that will be carried out on the property and changes to any of the information you have given us could alter the information in this illustration. If this is the case please ask for a revised illustration.

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4. Description of this mortgage Mortgage lender

Barclays Bank PLC (trading as Woolwich)

Mortgage product

28B The Great Escape 2 Year Fixed 3.48% until 28/02/2013 then Tracker Plus 2.58%

Interest rate type and interest

A fixed rate of 3.48% until 28/02/2013 A variable rate which is 2.58% above the Barclays Bank Base Rate, currently 0.50% thereafter, to give a current rate payable of 3.08% Barclays Bank Base Rate (BBBR) is a variable rate set by Barclays Bank PLC. BBBR typically follows Bank of England Base Rate but is not guaranteed to do so.

Restrictions on this mortgage

No restrictions apply

Notes

Please note you will be charged a Withdrawal Fee of £150 in the following scenarios, and only after you have submitted a mortgage application: - you decide not to proceed with the mortgage application; or - we are unable to offer you a mortgage because you cannot substantiate the information you have provided; or - you have not disclosed any relevant material facts relating to your application; or - where we make you an Offer and you do not complete on the mortgage before the Offer expires. (Mortgage Offers are usually valid for 6 months). You are obliged to take out a Mortgage Current Account through Barclays Bank PLC as a condition of this mortgage. Please refer to Section 12 of this illustration for further details.

5. Overall cost of this mortgage The overall cost takes into account the payments in Sections 6 and 8 below. With a repayment mortgage you gradually pay off the amount you have borrowed, as well as the interest, over the life of the mortgage. The total amount you must pay back, including the amount borrowed is

£187,728.25

This means you pay back

£1.44 for every £1 borrowed

The overall cost for comparison is

3.2% APR

The figures in this section will vary following interest rate changes and if you do not keep the mortgage for 25 years. Only use the figures in this section to compare the cost with another repayment mortgage.

6. What you will need to pay each month

Monthly payments

23 payments at a fixed rate of 3.48%

£649.42

followed by 277 payments at a Variable rate, currently 3.08%

£623.67

This illustration is based on a loan amount of £130,000.00. This illustration assumes that the mortgage will start on 01/04/2011

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7. Are you comfortable with the risks? What if interest rates go up? Your fixed rate ends on 28/02/2013, therefore any changes to the interest rate will not affect your payments until after this period. The monthly payments shown in this illustration could be considerably different if interest rates change. For example after the fixed rate period which ends on 28/02/2013 then for one percentage point increase in the Barclays Bank rate, your monthly payment will increase by around £65.48.

Rates may increase by much more than this so make sure you can afford the monthly payment. What if your income goes down? You will still have to pay your mortgage if you lose your job or if illness prevents you from working. Think about whether you could do this.

Make sure you can afford your mortgage if your income falls. The moneymadeclear information sheet 'You can afford your mortgage now, but what if…?' will help you consider the risks. You can get a free copy from http://www.moneymadeclear.org.uk, or by calling 0300 500 5000.

8. What fees must you pay? Fees payable to Barclays Bank PLC (trading as Woolwich) Fee

Payable

Refundable

Fee details

Fee Amount

Valuation Fee, Upfront refundable before the valuation is carried out. Where the Lender has agreed that you can make your own valuation arrangements, this fee will not apply.

No

Free

Final Repayment Charge

On repayment

No

Currently £275.00

Completion Fee

On completion

No

£35.00

Other fees There are no other fees for this mortgage. You may have to pay other taxes or costs in addition to any fees shown here.

9. Insurance Insurance you must take out through Barclays Bank PLC (trading as Woolwich) or DPS Financial Consultancy You are not obliged to take out any insurance products through Barclays Bank PLC (trading as Woolwich) or DPS Financial Consultancy. Insurance you must take out as a condition of this mortgage but that you do not have to take out through Barclays Bank PLC (trading as Woolwich) or DPS Financial Consultancy Type

Notes

Buildings Insurance

Buildings Insurance (please ensure that Buildings insurance is in place and that you have adequate cover).

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Monthly Payment

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10. What happens if you do not want this mortgage any more? Early Repayment Charges. An early repayment charge applies if you want to repay the mortgage early. The charge is calculated using a loan amount of £130,000.00 and is based on 3% of the outstanding loan if the mortgage is repaid before 28 February 2013. In addition, a Final Repayment Charge of £275.00 is also payable. Based on the original amount borrowed, a cash example of the early repayment charge that could apply would be £4,175.00 if repaid before 28 February 2013. Therefore the maximum charge you could pay would be £3,900.00 plus fees which are currently £275.00. What happens if you move house? If you move to another property you can transfer the mortgage interest rate on the transferred balance to a new mortgage product provided that you still meet our lending criteria at the time at the application.Fees may be charged when porting the mortgage interest rate and the terms and conditions for any new mortgage product will also apply.For full details of the terms and conditions please see the new mortgage product literature.

11. What happens if you want to make overpayments? These are restricted to 10% of the outstanding balance per year. A capital reduction of 10% per annum can be made without incurring an early repayment charge.This will apply through the early repayment charge period.Please refer to Section 10 for details. Following receipt of an overpayment or a lump sum reduction, the lender will immediately reduce the mortgage balance on which the interest is charged.This means that you will receive the benefit straight away.

12. Additional Features Additional borrowing without further approval A Mortgage Current Account Reserve Facility is a secured overdraft available through a Mortgage Current Account, and can be used to draw down additional borrowing. Any additional borrowing taken through the Mortgage Current Account Reserve will increase the amount of borrowing secured on your home. This means that if you fail to repay any amount borrowed your home will be at risk of repossession. The amount of the Mortgage Current Account Reserve in this illustration is £0. However, the Mortgage Current Account Reserve may become available in the future. The interest rate charged on the Mortgage Current Account Reserve will be Woolwich Standard Variable Rate. This rate tracks the Bank of England Base Rate plus 4.49%, currently 4.99% Information relating to the APR for the Mortgage Current Reserve can be made available should you choose to access or apply for funds at a later stage. The Mortgage Current Account Reserve must be repaid in full if the main mortgage is repaid in full.

Incentives Free valuation. Free legal service is not available should a customer choose not to use the appointed panel solicitor. The Switch and Save option is available up to a max loan of £1m.- Linked Current Account - A Mortgage Current Account must be taken out with this mortgage in order to access the Mortgage Current Account Reserve facility. If you already have a Mortgage Current Account you will not be required to open a new Mortgage Current Account, instead, your existing account will be linked to your mortgage. Cashback: You will receive £300 which will be paid to you upon completion of the mortgage.

13. Using a mortgage intermediary Barclays Bank PLC (trading as Woolwich) will pay TenetLime Ltd and a fee of £455.00 if you take out this mortgage.

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14. Where can you get more information about mortgages? The Consumer Financial Education Body publishes useful guides on choosing a mortgage. These are available free through its website: http://www.moneymadeclear.org.uk, or by calling 0300 500 5000. The website also provides Comparative Tables to help you shop around. Contact details If you wish to discuss this mortgage illustration please contact: DPS Financial Consultancy 12 Highnam Business Centre Highnam Gloucester Gloucestershire GL2 8DN Telephone: 01452260058 Fax: 01452260058 Email: darren@dpsfinancialconsultancy.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Summary of mortgage payments Month / Year

Interest Type of rate % rate

Payment £

Total sum Total paid to date interest £ charged to date £

Total debt repaid to date £

Remaining debt £

Apr

3.48

Fixed

649.42

649.42

377.00

272.42

129727.58

May

3.48

Fixed

649.42

1298.84

753.21

545.63

129454.37

Jun

3.48

Fixed

649.42

1948.26

1128.63

819.63

129180.37

Jul

3.48

Fixed

649.42

2597.68

1503.25

1094.43

128905.57

Aug

3.48

Fixed

649.42

3247.10

1877.08

1370.02

128629.98

Sep

3.48

Fixed

649.42

3896.52

2250.10

1646.42

128353.58

Oct

3.48

Fixed

649.42

4545.94

2622.33

1923.61

128076.39

Nov

3.48

Fixed

649.42

5195.36

2993.75

2201.61

127798.39

Dec

3.48

Fixed

649.42

5844.78

3364.37

2480.41

127519.59

Jan

3.48

Fixed

649.42

6494.20

3734.17

2760.03

127239.97

Feb

3.48

Fixed

649.42

7143.62

4103.17

3040.45

126959.55

Mar

3.48

Fixed

649.42

7793.04

4471.35

3321.69

126678.31

1

3.48

Fixed

7793.04

7793.04

4471.35

3321.69

126678.31

2 (Apr - Feb)

3.48

Fixed

7143.62

14936.66

8467.01

6469.65

123530.35

2 (Mar - Mar)

3.08

Variable

623.67

15560.33

8784.07

6776.26

123223.74

3

3.08

Variable

7484.04

23044.37

12526.84

10517.53

119482.47

4

3.08

Variable

7484.04

30528.41

16152.74

14375.67

115624.33

5

3.08

Variable

7484.04

38012.45

19658.11

18354.34

111645.66

6

3.08

Variable

7484.04

45496.49

23039.20

22457.29

107542.71

7

3.08

Variable

7484.04

52980.53

26292.12

26688.41

103311.59

8

3.08

Variable

7484.04

60464.57

29412.86

31051.71

98948.29

9

3.08

Variable

7484.04

67948.61

32397.31

35551.30

94448.70

10

3.08

Variable

7484.04

75432.65

35241.19

40191.46

89808.54

11

3.08

Variable

7484.04

82916.69

37940.11

44976.58

85023.42

12

3.08

Variable

7484.04

90400.73

40489.56

49911.17

80088.83

13

3.08

Variable

7484.04

97884.77

42884.86

54999.91

75000.09

14

3.08

Variable

7484.04

105368.81

45121.19

60247.62

69752.38

15

3.08

Variable

7484.04

112852.85

47193.60

65659.25

64340.75

16

3.08

Variable

7484.04

120336.89

49096.95

71239.94

58760.06

17

3.08

Variable

7484.04

127820.93

50825.97

76994.96

53005.04

18

3.08

Variable

7484.04

135304.97

52375.21

82929.76

47070.24

19

3.08

Variable

7484.04

142789.01

53739.06

89049.95

40950.05

20

3.08

Variable

7484.04

150273.05

54911.72

95361.33

34638.67

21

3.08

Variable

7484.04

157757.09

55887.22

101869.87

28130.13

22

3.08

Variable

7484.04

165241.13

56659.41

108581.72

21418.28

23

3.08

Variable

7484.04

172725.17

57221.92

115503.25

14496.75

24

3.08

Variable

7484.04

180209.21

57568.22

122640.99

7359.01

25

3.08

Variable

7484.04

187693.25

57693.25

130000.00

0.00

THE TOTAL AMOUNT THAT MUST BE PAID COULD BE CONSIDERABLY DIFFERENT FROM THAT SHOWN, DUE TO VARIABLE INTEREST RATES.

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Mortgage Illustration