Document:

Exhibit 10.2.9

                                    SCHEDULE
                                     TO THE
                                MASTER AGREEMENT

                              dated as of ___, 2002

between

(1)     ___ ("PARTY A");

(2)     HOLMES FINANCING (NO. 6) PLC ("PARTY B"); and

(3)     JPMORGAN CHASE BANK, LONDON BRANCH (the "SECURITY TRUSTEE", which
        expression shall include its successors and assigns and which has agreed
        to become a party to this Agreement solely for the purpose of taking the
        benefit of Parts 5(b) and (k) of the Schedule to this Agreement).

Part 1. TERMINATION PROVISIONS

(a)     "SPECIFIED ENTITY" means in relation to Party A for the purpose of:-

        Section 5(a)(v), none

        Section 5(a)(vi), none

        Section 5(a)(vii), none

        Section 5(b)(iv), none

        and in relation to Party B for the purpose of:-

        Section 5(a)(v), none

        Section 5(a)(vi), none

        Section 5(a)(vii), none

        Section 5(b)(iv), none

(b)     "SPECIFIED TRANSACTION" will have the meaning specified in Section 14.

(c)     The "CROSS DEFAULT" provisions of Section 5(a)(vi) will not apply to
        Party A and will not apply to Party B.

(d)     The "CREDIT EVENT UPON MERGER" provisions of Section 5(b)(iv) will apply
        to Party A and will not apply to Party B.

<PAGE>

(e)     The "AUTOMATIC EARLY TERMINATION" provision of Section 6(a) will not
        apply to Party A and will not apply to Party B.

(f)     PAYMENTS ON EARLY TERMINATION. For the purposes of Section 6(e) of this
        Agreement:-

        (i)     Market Quotation will apply.

        (ii)    The Second Method will apply.

(g)     "TERMINATION CURRENCY" means Sterling.

<PAGE>

Part 2. TAX REPRESENTATIONS

(a)     PAYER REPRESENTATIONS. For the purpose of Section 3(e) of this
        Agreement, Party A and Party B will each make the following
        representation:

        It is not required by any applicable law, as modified by the practice of
        any relevant governmental revenue authority, of any Relevant
        Jurisdiction to make any deduction or withholding for or on account of
        any Tax from any payment (other than interest under Section 2(e),
        6(d)(ii) or 6(e) of this Agreement) to be made by it to the other party
        under this Agreement. In making this representation, it may rely on (i)
        the accuracy of any representations made by the other party pursuant to
        Section 3(f) of this Agreement, (ii) the satisfaction of the agreement
        contained in Section 4(a)(i) or 4(a)(iii) of this Agreement and the
        accuracy and effectiveness of any document provided by the other party
        pursuant to Section 4(a)(i) or 4(a)(iii) of this Agreement and (iii) the
        satisfaction of the agreement of the other party contained in Section
        4(d) of this Agreement, provided that it shall not be a breach of this
        representation where reliance is placed on clause (ii) and the other
        party does not deliver a form or document under Section 4(a)(iii) by
        reason of material prejudice to its legal or commercial position.

(b)     PAYEE REPRESENTATIONS. For the purposes of Section 3(f) of the
        Agreement, Party A makes the representation specified below (the
        "ADDITIONAL TAX REPRESENTATION"):

        (i)     it is a party to each Transaction solely for the purposes of a
                trade (or part of a trade) carried on by it in the United
                Kingdom through a branch or agency; or

        (ii)    it is resident in the United Kingdom or in a jurisdiction with
                which the United Kingdom has a double tax treaty which makes
                provision, whether for relief or otherwise, in relation to
                interest.

(c)     ADDITIONAL TERMINATION EVENT. The Additional Tax Representation proves
        to have been incorrect or misleading in any material respect with
        respect to one or more Transactions (each an "Affected Transaction" for
        the purposes of this Additional Termination Event) when made or repeated
        or deemed to have been made or repeated. The sole Affected Party shall
        be Party A.

<PAGE>

Part 3. AGREEMENT TO DELIVER DOCUMENTS

For the purpose of Sections 4(a)(i) and (ii) of this Agreement, each party
agrees to deliver the following documents, as applicable:-

(a)     Tax forms, documents or certificates to be delivered are:-

<TABLE>
<CAPTION>
        PARTY REQUIRED TO DELIVER      FORM/DOCUMENT/CERTIFICATE          DATE BY WHICH TO BE DELIVERED
        DOCUMENT
        <S>                            <C>                                <C>
                                       None
</TABLE>

(b)     Other documents to be delivered are:-

<TABLE>
<CAPTION>
        PARTY REQUIRED                                                                        COVERED BY
        TO DELIVER                     FORM/DOCUMENT/                     DATE BY WHICH       SECTION 3(d)
        DOCUMENT                       CERTIFICATE                        TO BE DELIVERED     REPRESENTATION

        <S>                            <C>                                <C>                 <C>
        Party A and                    Appropriate                        On signing of       Yes
        Party B                        evidence of                        this Agreement
                                       its signatory's
                                       authority

        Party B                        Certified copy of                  On signing of       Yes
                                       board resolution                   this Agreement

        Party A                        Legal opinion                      On signing of       No
                                       in form and                        this Agreement
                                       substance
                                       satisfactory to
                                       Party B
</TABLE>

<PAGE>

Part 4. MISCELLANEOUS

(a)     ADDRESSES FOR NOTICES. For the purpose of Section 12(a) of this
        Agreement:-

        Address for notices or communications to Party A (other than by
        facsimile):-

        Address:          [______]
        Attention:        [______]

        Telex No:         [______]

        Answerback:       [______]

        For the purpose of facsimile notices or communications to Party A under
        this Agreement (other than a notice or communication under Section 5 or
        6):

        Facsimile No.:   [______]
        Attention:       [______]

        Designated responsible employee for the purposes of Section 12(a)(iii):
        [______]

        Address for notices or communications to Party B:-

        Address:         [c/o Abbey National plc
                         Abbey House (AAM 319)
                         201 Grafton Gate East
                         Milton Keynes MK9 1AN]

         Attention:      [Securitisation Team, Risk Operations]

         Facsimile No.:  [+44 1908 344217]

         With a copy to the Security Trustee:-

         Address:        [______]

         Attention:      [______]

         Facsimile No.:  [______]

(b)     PROCESS AGENT. For the purpose of Section 13(c) of this Agreement:-

        Party A appoints as its Process Agent: None.

        Party B appoints as its Process Agent: None.

(c)     OFFICES. The provisions of Section 10(a) will apply to this Agreement.

(d)     MULTIBRANCH PARTY. For the purpose of Section 10(c) of this Agreement:-

<PAGE>

        Party A is not a Multibranch Party [and will act through its London
        Branch].

        Party B is not a Multibranch Party.

(e)     CALCULATION AGENT. The Calculation Agent is Party A.

(f)     CREDIT SUPPORT DOCUMENT. Details of any Credit Support Document:-

        In respect of Party A, [______]

        In respect of Party B, none

(g)     CREDIT SUPPORT PROVIDER. Credit Support Provider means in relation to
        Party A, [______].

        Credit Support Provider means in relation to Party B, none.

(h)     GOVERNING LAW. This Agreement will be governed by and construed in
        accordance with the laws of England and Wales.

(i)     NETTING OF PAYMENTS. Subparagraph (ii) of Section 2(c) of this Agreement
        will apply to Transactions entered into under this Agreement unless
        otherwise specified in a Confirmation.

(j)     "AFFILIATE" will have the meaning specified in Section 14 of this
        Agreement.

<PAGE>

Part 5. OTHER PROVISIONS

(a)     NO SET-OFF

        (i)     All payments under this Agreement shall be made without set-off
                or counterclaim, except as expressly provided for in Section 6.

        (ii)    Section 6(e) shall be amended by the deletion of the following
                sentence; "The amount, if any, payable in respect of an Early
                Termination Date and determined pursuant to this Section will be
                subject to any Set-off."

(b)     SECURITY INTEREST

        Notwithstanding Section 7, Party A hereby agrees and consents to the
        assignment by way of security by Party B of its interests under this
        Agreement (without prejudice to, and after giving effect to, any
        contractual netting provision contained in this Agreement) to the
        Security Trustee (or any successor thereto) pursuant to and in
        accordance with the Sixth Issuer Deed of Charge and acknowledges notice
        of such assignment. Each of the parties hereby confirms and agrees that
        the Security Trustee shall not be liable for any of the obligations of
        Party B hereunder.

(c)     DISAPPLICATION OF CERTAIN EVENTS OF DEFAULT

        Section 5(a)(ii), Section 5(a)(iii), Section 5(a)(iv), Section 5(a)(v),
        Section 5(a)(vii)(2),(5),(6),(7) and (9) and Section 5(a)(viii) will not
        apply in respect of Party B.

        Section 5(a)(vii)(8) will not apply to Party B to the extent that it
        applies to Section 5(a)(vii)(2) (5),(6),(7) and (9).

(d)     DISAPPLICATION OF CERTAIN TERMINATION EVENTS

        The "Tax Event" and "Tax Event upon Merger" provisions of Section
        5(b)(ii) and 5(b)(iii) will not apply to Party A or to Party B.

(e)     ADDITIONAL EVENT OF DEFAULT

        The following shall constitute an additional Event of Default with
        respect to Party B:

        "NOTE ENFORCEMENT NOTICE. The Security Trustee serves a Class C Issuer
        Note Enforcement Notice, as defined in Condition 9 of the Offered Issuer
        Notes, on Party B (in which case Party B shall be the Defaulting
        Party)."

(f)     ADDITIONAL TERMINATION EVENT

        The following shall constitute an Additional Termination Event with
        respect to Party B:

        "REDEMPTION AND PREPAYMENT OF THE SERIES 1 CLASS C NOTES. Party B
        exercises its option to redeem the Series 1 Class C Notes in whole in
        accordance with the provisions of Condition 5(E) of the Offered Issuer
        Notes."

<PAGE>

        In connection with this Additional Termination Event, Party B shall be
        the sole Affected Party and all Transactions shall be Affected
        Transactions.

(g)     RATINGS EVENT

        (i)     In the event that the short-term, unsecured and unsubordinated
                debt obligations of Party A (or its successor or assignee) and,
                if relevant, any Credit Support Provider of Party A, are
                downgraded below ["A-1+"] by Standard & Poor's Rating Services,
                a division of The McGraw-Hill Companies Inc. ("S&P") and, as a
                result of such downgrade, the then current rating of the Series
                1 Class C Sixth Issuer Notes may in the reasonable opinion of
                S&P be downgraded or placed under review for possible downgrade
                (an "S&P RATING EVENT"), then Party A will, within 30 days of
                the occurrence of such S&P Rating Event, at its own cost,
                either:

                (A)     put in place an appropriate mark-to-market collateral
                        agreement, (which may be based on the credit support
                        documentation published by ISDA, or otherwise, and
                        relates to collateral in the form of cash or securities
                        or both) in support of its obligations under this
                        Agreement provided that (x) Party A shall be deemed to
                        have satisfied the requirements of S&P if the amount of
                        collateral agreed to be provided in the form of cash
                        and/or securities (the "COLLATERAL AMOUNT") is
                        determined on a basis which is no more onerous than the
                        criteria of S&P as at 31st September, 1999 which enable
                        entities rated lower than a specified level to
                        participate in structured finance transactions which,
                        through collateralisation, are rated at a higher level
                        (as referred to, in part, in the article entitled New
                        Structured Finance Interest Rate and Currency Swap
                        Criteria Broadens Allowable Counterparties in the
                        January 1999 issue of S&P's Structured Finance
                        publication) (the "S&P CRITERIA"), and (y) the
                        Collateral Amount shall not be required to exceed such
                        amount as would be required (in accordance with the S&P
                        Criteria) to restore the rating of the Series 1 Class C
                        Sixth Issuer Notes to the level they would have been at
                        immediately prior to such downgrading;

                (B)     transfer all of its rights and obligations with respect
                        to this Agreement to a replacement third party whose
                        short-term, unsecured and unsubordinated debt
                        obligations are rated at least as high as ["A-1+"] by
                        S&P and ["F1"] by Fitch Ratings Limited ("FITCH") and
                        whose long-term, unsecured and unsubordinated debt
                        obligations are rated at least as high as ["A1"] by
                        Moody's Investors Services ("MOODY'S") or, in each case,
                        such other ratings as are commensurate with the ratings
                        assigned to the Series 1 Class C Sixth Issuer Notes by
                        such rating agencies from time to time; or

                (C)     procure another person to become co-obligor in respect
                        of the obligations of Party A under this Agreement or
                        take such other action as Party A may agree with S&P as
                        will result in the rating of the Series 1 Class C Sixth
                        Issuer Notes then outstanding following the taking of
                        such action being rated no lower than the rating of the
                        Series 1 Class C Sixth Issuer Notes immediately prior to
                        such downgrade.

<PAGE>

        EITHER

        [(ii)   In the event that (A) the long-term, unsecured and
                unsubordinated debt obligations of Party A (or its successor)
                and, if relevant, any Credit Support Provider of Party A, are
                downgraded below "A1" (or its equivalent) by Moody's or (B) the
                short-term, unsecured and unsubordinated debt obligations of
                Party A (or its successor) and, if relevant, any Credit Support
                Provider of Party A, are downgraded below "Prime-1" (or its
                equivalent) by Moody's, then Party A will, on a reasonable
                efforts basis and at its own cost, attempt to either:

                (1)     transfer all of its rights and obligations with respect
                        to this Agreement to either (x) a replacement third
                        party with the Required Ratings (as defined below)
                        domiciled in the same legal jurisdiction as Party A or
                        Party B, or (y) a replacement third party as agreed with
                        Moody's;

                (2)     procure another person to become co-obligor in respect
                        of the obligations of Party A under this Agreement, such
                        co-obligor may be either (x) a person with the Required
                        Ratings (as defined below) domiciled in the same legal
                        jurisdiction as Party A or Party B, or (y) such other
                        person as agreed with Moody's; or

                (3)     take such other action as agreed with Moody's.

                Pending compliance with any of (ii)(1), (ii)(2) or (ii)(3)
                above, Party A will, at its own cost:

                (4)     within 30 days of the occurrence of such downgrade, put
                        in place a mark-to-market collateral agreement in a form
                        and substance acceptable to Moody's (which may be based
                        on the credit support documentation published by ISDA,
                        or otherwise, and relates to collateral in the form of
                        cash or securities or both) in support of its
                        obligations under this Agreement complies with the
                        Moody's Criteria (as defined below) or is such other
                        lesser amount as may be agreed with Moody's.

                If any of (ii)(1), (ii)(2) or (ii)(3) above are satisfied at any
                time, all collateral (or the equivalent thereof, as appropriate)
                transferred by Party A pursuant to (b)(D) will be re-transferred
                to Party A and Party A will not be required to transfer any
                additional collateral.

        (iii)   In the event that (A) the long-term, unsecured and
                unsubordinated debt obligations of Party A (or its successor)
                and, if relevant, any Credit Support Provider of Party A, are
                downgraded below "A3" (or its equivalent) by Moody's or (B) the
                short-term, unsecured and unsubordinated debt obligations of
                Party A (or its successor) and, if relevant, any Credit Support
                Provider of Party A, are downgraded below "Prime-2" (or its
                equivalent) by Moody's, then Party A will, on a reasonable
                efforts basis and at its own cost, attempt to either:

                (1)     transfer all of its rights and obligations with respect
                        to this Agreement to either (x) a replacement third
                        party with the Required Ratings (defined below)
                        domiciled in the same legal jurisdiction as Party A or

<PAGE>

                        Party B, or (y) a replacement third party as agreed with
                        Moody's;

                (2)     procure another person to become co-obligor in respect
                        of the obligations of Party A under this Agreement, such
                        co-obligor may be either (x) a person with the Required
                        Ratings (defined below) domiciled in the same legal
                        jurisdiction as Party A or Party B, or (y) such other
                        person as agreed with Moody's; or

                (3)     take such other action agreed with Moody's.

                Pending compliance with (iii)(1), (iii)(2) or (iii)(3) above,
                Party A will, at its own cost:

                (4)     if Party A has not already posted collateral pursuant to
                        (ii)(4), within 30 days of the occurrence of such
                        downgrade, put in place a mark-to-market collateral
                        agreement in a form and substance acceptable to Moody's
                        (which may be based on the credit support documentation
                        published by ISDA, or otherwise, and relates to
                        collateral in the form of cash or securities or both) in
                        support of its obligations under this Agreement Amount
                        which complies with the Moody's Criteria (defined
                        below), and, if Party A has already posted collateral
                        pursuant to (ii)(4) above, within 10 days of the
                        occurrence of such downgrade, post such additional
                        collateral as is required to ensure the Collateral
                        Amount complies with the Moody's Criteria, or in each
                        case, is such other lesser amount as may be agreed with
                        Moody's.

                If any of (iii)(1), (iii)(2) or (iii)(3) are satisfied at any
                time, all collateral (or the equivalent thereof, as appropriate)
                transferred by Party A pursuant to (iii)(4) will be
                retransferred to Party A and Party A will not be required to
                transfer any additional collateral.

                For the purposes of (ii) and (iii), "REQUIRED RATINGS" means, in
                respect of the relevant entity, its short-term, unsecured and
                unsubordinated debt obligations are rated at least as high as
                "Prime-1" and its long-term, unsecured and unsubordinated debt
                obligations are rated at least as high as "A1", or such other
                ratings as may be agreed with Moody's from time to time.

                "MOODY'S CRITERIA" means that the Collateral Amount shall equal
                the sum of (a) the product of A multiplied by the mark-to-market
                value of the outstanding Transactions as determined by Party A
                in good faith on each Local Business Day, and (b) the product of
                B multiplied by the current aggregate notional amounts of the
                outstanding Transactions, where:

                (i)     "A" means 102% and "B" means [2]% if the long-term,
                        unsecured and unsubordinated debt obligations or the
                        short-term, unsecured and unsubordinated debt
                        obligations of Party A (or its successor) and, if
                        relevant, any Credit Support Provider of Party A is
                        downgraded below "A1" or "Prime-1" by Moody's;

                (ii)    "A" shall be equal to or greater than 102% (as
                        determined by Moody's) and "B" shall be equal to or
                        greater than [3]% (as determined by Moody's) if the
                        long-term, unsecured and unsubordinated debt

<PAGE>

                        obligations or the short-term, unsecured and
                        unsubordinated debt obligations of Party A (or its
                        successor) and, if relevant, any Credit Support Provider
                        of Party A is downgraded below "A3" or "Prime-2" by
                        Moody's; and

                (iii)   "A" means 0% and "B" means 0% in all other cases.

                In relation to paragraphs (ii)(4) and (iii)(4) above, Party A
                will, upon receipt of reasonable notice from Moody's,
                demonstrate to Moody's the calculation by it of the
                mark-to-market value of the outstanding Transactions.]

                OR

        [(ii)   In the event that (A) the long-term, unsecured and
                unsubordinated debt obligations of Party A (or its successor)
                and, if relevant, any Credit Support Provider of Party A, is
                downgraded below "A1" (or its equivalent) by Moody's or (B) the
                short-term, unsecured and unsubordinated debt obligations of
                Party A (or its successor) and, if relevant, any Credit Support
                Provider of Party A, is downgraded below "Prime-1" (or its
                equivalent) by Moody's (an "INITIAL MOODY'S RATING EVENT"), then
                Party A will, within 30 days of such Initial Moody's Rating
                Event at its own cost, either:

                (1)     transfer all of its rights and obligations with respect
                        to this Agreement to either (x) a replacement third
                        party with the Required Ratings (as defined below)
                        domiciled in the same legal jurisdiction as Party A or
                        Party B, or (y) a replacement third party as agreed with
                        Moody's; or

                (2)     procure another person to become co-obligor in respect
                        of the obligations of Party A under this Agreement, such
                        co-obligor may be either (x) a person with the Required
                        Ratings (as defined below) domiciled in the same legal
                        jurisdiction as Party A or Party B, or (y) such other
                        person as agreed with Moody's; or

                (3)     take such other action as agreed with Moody's; or

                (4)     put in place a mark-to-market collateral agreement in a
                        form and substance acceptable to Moody's (which may be
                        based on the credit support documentation published by
                        ISDA, or otherwise, and relates to collateral in the
                        form of cash or securities or both) in support of its
                        obligations under this Agreement which complies with the
                        Moody's Criteria (as defined below) or such other amount
                        as may be agreed with Moody's.

                If any of (ii)(1), (ii)(2) or (iii)(3) above are satisfied at
                any time, all collateral (or the equivalent thereof, as
                appropriate) transferred by Party A pursuant to (ii)(4) will be
                retransferred to Party A and Party A will not be required to
                transfer any additional collateral.

        (iii)   In the event that (A) the long-term, unsecured and
                unsubordinated debt obligations of Party A (or its successor)
                and, if relevant, any Credit Support Provider of Party A, is
                downgraded below "Baa2" (or its equivalent) by

<PAGE>

                Moody's or (B) the short-term, unsecured and unsubordinated debt
                obligations of Party A (or its successor) and, if relevant, any
                Credit Support Provider of Party A, is downgraded below
                "Prime-2" (or its equivalent) by Moody's (a "SUBSEQUENT MOODY'S
                RATING EVENT"), then Party A will, on a best efforts basis, and
                at its own cost, attempt to either:

                (1)     transfer all of its rights and obligations with respect
                        to this Agreement to either (x) a replacement third
                        party with the Required Ratings (defined below)
                        domiciled in the same legal jurisdiction as Party A or
                        Party B, or (y) a replacement third party as agreed with
                        Moody's; or

                (2)     procure another person to become co-obligor in respect
                        of the obligations of Party A under this Agreement, such
                        co-obligor may be either (x) a person with the Required
                        Ratings (defined below) domiciled in the same legal
                        jurisdiction as Party A or Party B, or (y) such other
                        person as agreed with Moody's; or

                (3)     take such other action agreed with Moody's.

                Pending compliance with (iii)(1), (iii)(2) or (iii)(3) above,
                Party A will at its own cost:

                (4)     within 10 days of the occurrence of such Subsequent
                        Moody's Rating Event, put in place a mark-to-market
                        collateral agreement in a form and substance acceptable
                        to Moody's (which may be based on the credit support
                        documentation published by ISDA, or otherwise, and
                        relates to collateral in the form of cash or securities
                        or both) in support of its obligations under this
                        Agreement which complies with the Moody's Criteria
                        (defined below) or such other amount as may be agreed
                        with Moody's.

                If any of (iii)(1), (iii)(2) or (iii)(3) are satisfied at any
                time, all collateral (or the equivalent thereof, as appropriate)
                transferred by Party A pursuant to (iii)(4) will be
                retransferred to Party A and Party A will not be required to
                transfer any additional collateral.

                For the purposes of (ii) and (iii), "REQUIRED RATINGS" means, in
                respect of the relevant entity, its short-term, unsecured and
                unsubordinated debt obligations are rated at least as high as
                "Prime-1" and its long-term, unsecured and unsubordinated debt
                obligations are rated at least as high as "A1", or such other
                ratings as may be agreed with Moody's from time to time.

                "MOODY'S CRITERIA" means that the Collateral Amount shall equal
                the sum of (a) the product of A multiplied by the mark-to-market
                value of the outstanding Transactions as determined by Party A
                in good faith on one Local Business Day per week and (b) the
                product of B multiplied by the current aggregate notional
                amounts of the outstanding Transactions, where:

                (i)     "A" means 102% and "B" means 2% if the long-term,
                        unsecured and unsubordinated debt obligations or the
                        short-term, unsecured and unsubordinated debt
                        obligations of Party A (or its successor) and, if

<PAGE>

                        relevant, any Credit Support Provider of Party A is
                        downgraded below "A1" or "Prime-1" by Moody's;

                (ii)    "A" shall be equal to or greater than 102% (as
                        determined by Moody's) and "B" shall be equal to or
                        greater than 3% (as determined by Moody's) if the
                        long-term, unsecured and unsubordinated debt obligations
                        or the short-term, unsecured and unsubordinated debt
                        obligations of Party A (or its successor) and, if
                        relevant, any Credit Support Provider of Party A is
                        downgraded below "Baa2" or "Prime-2" by Moody's; and

                (iii)   "A" means 0% and "B" means 0% in all other cases.

                In relation to paragraphs (b)(D) and (c)(D) above, Party A will,
                upon receipt of reasonable notice from Moody's demonstrate to
                Moody's the calculation by it of the mark-to-market value of the
                outstanding Transactions. In relation to paragraph (c)(D) above,
                Party A will, at its own cost, on receipt of reasonable notice
                from Moody's (which, for the avoidance of doubt, will be no less
                than 30 days) arrange a third party valuation of the
                mark-to-market value of the outstanding Transactions.]

        (iv)    If the short-term unsecured and unsubordinated debt obligations
                of Party A (or its successor or assignee) and, if relevant, any
                Credit Support Provider of Party A, are rated by Fitch and in
                the event that the rating is, or is downgraded below, ["F1"] (or
                its equivalent), and as a result the then current rating of the
                Series 1 Class C Sixth Issuer Notes may in the reasonable
                opinion of Fitch be downgraded or placed on a credit watch for
                future downgrade (a "FITCH RATING EVENT"), then Party A will, on
                a reasonable efforts basis, within 30 days of the occurrence of
                such Fitch Rating Even, at its own cost, either:

                (A)     attempt to transfer all of its rights and obligations
                        with respect to this Agreement to a replacement third
                        party whose short-term, unsecured and unsubordinated
                        debt ratings are rated at least as high as ["A-1+"] by
                        S&P and ["F1"] by Fitch and whose long-term, unsecured
                        and unsubordinated debt ratings are rated at least as
                        high as ["A1"] by Moody's or, in each case, such other
                        ratings as are commensurate with the ratings assigned to
                        the Series 1 Class C Sixth Issuer Notes by such rating
                        agencies from time to time; or

                (B)     procure another person to become co-obligor or guarantor
                        in respect of the obligations of Party A under this
                        Agreement whose short-term, unsecured and unsubordinated
                        debt ratings are rated at least as high as ["A-1+"] by
                        S&P and ["F1"] by Fitch and whose long-term, unsecured
                        and unsubordinated debt ratings are rated at least as
                        high as ["A1"] by Moody's or, in each case, such other
                        ratings as are commensurate with the ratings assigned to
                        the Series 1 Class C Sixth Issuer Notes by such rating
                        agencies from time to time; or

                (C)     put in place an appropriate mark-to-market collateral
                        agreement, (which may be based on the credit support
                        documentation published by ISDA, or otherwise, and
                        relates to collateral in the form of cash or securities
                        or both) in support of its obligations under this
                        Agreement

<PAGE>

                        provided that (x) Party A shall be deemed to have
                        satisfied the requirements of Fitch if the Collateral
                        Amount is determined on a basis which is no more onerous
                        than the Fitch Criteria (defined below) and (y) the
                        Collateral Amount shall not be required to exceed such
                        amount as would be required (in accordance with the
                        Fitch Criteria) to restore the rating of the Series 1
                        Class C Sixth Issuer Notes to the level at which they
                        would have been immediately prior to such downgrading;
                        or

                (D)     take such other action as Party A may agree with Fitch
                        as will result in the rating of the Series 1 Class C
                        Sixth Issuer Notes then outstanding being maintained.

                "FITCH CRITERIA" means that the Collateral Amount shall not
                exceed 100 per cent. of the mark-to-market value of the
                outstanding Transactions as determined by Party A in good faith
                from time.

        (iv)    (A) If Party A does not take any of the measures described in
                (i) or (iv) above, such failure shall not be or give rise to an
                Event of Default but shall constitute an Additional Termination
                Event with respect to Party A and shall be deemed to have
                occurred on the thirtieth day following the relevant S&P Rating
                Event or Fitch Rating Event (as applicable) with Party A as the
                sole Affected Party and all Transactions as Affected
                Transactions.

                EITHER

                [(B) If Party A does not take the measures described in (ii)(4)
                above, such failure shall not be or give rise to an Event of
                Default but shall constitute an Additional Termination Event
                with respect to Party A and shall be deemed to have occurred on
                the thirtieth day following such downgrade with Party A as the
                sole Affected Party and all Transactions as Affected
                Transactions. Further, notwithstanding Section 5(a)(ii) of this
                Agreement, if [10] days after receiving notice of failure to use
                its reasonable efforts to take one of the measures described in
                (ii)(1), (ii)(2) or (ii)(3), Party A still has not used
                reasonable efforts to take one of the above courses of action,
                this shall not constitute an Event of Default but shall be an
                Additional Termination Event with Party A as the sole Affected
                Party and all Transactions as Affected Transactions.

                (C) If Party A does not take the measures described in (iii)(4)
                above, such failure shall give rise to an Event of Default with
                respect to Party A and shall be deemed to have occurred (x) if
                Party A has already posted collateral pursuant to the provisions
                of (ii)(4) above, on the [tenth] day following such downgrade
                and (y) if Party A has not posted collateral pursuant to the
                provisions of (ii)(4) above, on the thirtieth day following such
                downgrade, in each case with Party A as the Defaulting Party.
                Further, notwithstanding Section 5(a)(ii) of this Agreement, if
                [10] days after receiving notice of failure to use its
                reasonable efforts to take one of the measures described in
                (iii)(1), (iii)(2) or (iii)(3), Party A still has not used
                reasonable efforts to take one of the above courses of action,
                this shall not constitute an Event of Default but shall be an
                Additional Termination Event with Party A as the sole Affected
                Party and all Transactions as Affected Transactions.]

<PAGE>

                OR

                [(B) If Party A does not take the measures described in (ii)(1),
                (2), (3) or (4) above, such failure shall not be or give rise to
                an Event of Default but shall constitute an Additional
                Termination Event with respect to Party A and shall be deemed to
                have occurred on the thirtieth day following the occurrence of
                such Initial Moody's Rating Event with Party A as the sole
                Affected Party and all Transactions shall be Affected
                Transactions.

                (C) If Party A does not take the measures described in (iii)(4)
                above, such failure shall give rise to an Event of Default with
                respect to Party A and shall be deemed to have occurred on the
                tenth day following such Subsequent Moody's Rating Event with
                Party A as the Defaulting Party. Further, notwithstanding
                Section 5(a)(ii) of this Agreement, if 10 days after receiving
                notice of failure to use its best efforts to either transfer as
                described in (iii)(1), find a co-obligor as described in
                (iii)(2) or take such other action as described in (iii)(3),
                Party A still has not used best efforts to take one of the above
                courses of action, this shall not constitute an Event of Default
                but shall be an Additional Termination Event with Party A as the
                sole Affected Party and all Transactions shall be Affected
                Transactions.]

                (D) In the event that Party B were to designate an Early
                Termination Date and there would be a payment due to Party A,
                Party B may only designate such an Early Termination Date in
                respect of an Additional Termination Event under this Part 5(e)
                if Party B has found a replacement counterparty willing to enter
                into a new transaction on terms that reflect as closely as
                reasonably possible the economic, legal and credit terms of the
                Terminated Transactions with Party A.

                (E) Each of Party B and the Security Trustee shall use their
                reasonable endeavours to co-operate with Party A in putting in
                place any credit support documentation, including agreeing to
                such arrangements in such documentation as may satisfy S&P,
                Moody's and Fitch with respect to the operation and management
                of the collateral (subject always to proviso (x) and (y) in
                (i)(A) above) and entering into such documents as may reasonably
                be requested by Party A in connection with the provision of such
                collateral.

(h)     ADDITIONAL REPRESENTATIONS

        (i)     Section 3 is amended by the addition at the end thereof of the
                following additional representations:

                "(g)    NO AGENCY. It is entering into this Agreement and each
                        Transaction as principal and not as agent of any
                        person."

        (ii)    The following additional representation shall be given by Party
                A only:

        (h)     PARI PASSU. Its obligations under this Agreement rank pari passu
                with all of its other unsecured, unsubordinated obligations
                except those obligations preferred by operation of law.

<PAGE>

(i)     RECORDING OF CONVERSATIONS

        Each party to this Agreement acknowledges and agrees to the tape
        recording of conversations between the parties to this Agreement.

(j)     RELATIONSHIP BETWEEN THE PARTIES

        The Agreement is amended by the insertion after Section 14 of an
        additional Section 15, reading in its entirety as follows:

        "15.    RELATIONSHIP BETWEEN THE PARTIES

        Each party will be deemed to represent to the other party on the date on
        which it enters into a Transaction that (absent a written agreement
        between the parties that expressly imposes affirmative obligations to
        the contrary for that Transaction):

        (a)     NON RELIANCE. It is acting for its own account, and it has made
                its own decisions to enter into that Transaction and as to
                whether that Transaction is appropriate or proper for it based
                upon advice from such advisers as it has deemed necessary. It is
                not relying on any communication (written or oral) of the other
                party as investment advice or as a recommendation to enter into
                that Transaction; it being understood that information and
                explanations related to the terms and conditions of a
                Transaction shall not be considered investment advice or a
                recommendation to enter into that Transaction. It has not
                received from the other party any assurance or guarantee as to
                the expected results of that Transaction.

        (b)     ASSESSMENT AND UNDERSTANDING. It is capable of assessing the
                merits of and understanding (through independent professional
                advice), and understands and accepts, the terms, conditions and
                risks of that Transaction. It is also capable of assuming, and
                assumes, the financial and other risks of that Transaction.

        (c)     STATUS OF PARTIES. The other party is not acting as a fiduciary
                or an adviser for it in respect of that Transaction."

(k)     TAX

        The Agreement is amended by deleting Section 2(d) in its entirety and
        replacing it with the following:

        "(d)    Deduction or Withholding for Tax

                (i)     Requirement to Withhold

                All payments under this Agreement will be made without any
                deduction or withholding for or on account of any Tax unless
                such deduction or withholding is required (including, for the
                avoidance of doubt, if such deduction or withholding is required
                in order for the payer to obtain relief from Tax) by any
                applicable law, as modified by the practice of any relevant
                governmental revenue authority, then in effect. If a party ("X")
                is so required to deduct or withhold, then that party (the
                "DEDUCTING PARTY"):

<PAGE>

                (1)     will promptly notify the other party ("Y") of such
                        requirement;

                (2)     will pay to the relevant authorities the full amount
                        required to be deducted or withheld (including the full
                        amount required to be deducted or withheld from any
                        Gross Up Amount (as defined below) paid by the Deducting
                        Party to Y under this Section 2(d)) promptly upon the
                        earlier of determining that such deduction or
                        withholding is required or receiving notice that such
                        amount has been assessed against Y;

                (3)     will promptly forward to Y an official receipt (or a
                        certified copy), or other documentation reasonably
                        acceptable to Y, evidencing such payment to such
                        authorities; and

                (4)     if X is Party A, X will promptly pay in addition to the
                        payment to which Party B is otherwise entitled under
                        this Agreement, such additional amount (the "GROSS UP
                        AMOUNT") as is necessary to ensure that the net amount
                        actually received by Party B will equal the full amount
                        which Party B would have received had no such deduction
                        or withholding been required.

                (ii)    Liability

                If:

                        (1)     X is required by any applicable law, as modified
                                by the practice of any relevant governmental
                                revenue authority, to make any deduction or
                                withholding for or on account of any Tax in
                                respect of payments under this Agreement; and

                        (2)     X does not so deduct or withhold; and

                        (3)     a liability resulting from such Tax is assessed
                                directly against X,

                        then, except to the extent that Y has satisfied or then
                        satisfies the liability resulting from such Tax, (A)
                        where X is Party B, Party A will promptly pay to Party B
                        the amount of such liability (the "LIABILITY AMOUNT")
                        (including any related liability for interest and
                        together with an amount equal to the Tax payable by
                        Party B on receipt of such amount but including any
                        related liability for penalties only if Party A has
                        failed to comply with or perform any agreement contained
                        in Section 4(a)(i), 4(a)(iii) or 4(d)) and Party B will
                        promptly pay to the relevant government revenue
                        authority the amount of such liability (including any
                        related liability for interest and penalties) and (B)
                        where X is Party A and Party A would have been required
                        to pay a Gross Up Amount to Party B, Party A will
                        promptly pay to the relevant government revenue
                        authority the amount of such liability (including any
                        related liability for interest and penalties).

         (iii)    Tax Credit etc.

                  Where Party A pays an amount in accordance with Section
                  2(d)(i)(4) above, Party B undertakes as follows:

                  (1)      to the extent that Party B obtains any Tax credit,
                           allowance, set-off or repayment from the tax
                           authorities of any jurisdiction relating to any

<PAGE>

                           deduction or withholding giving rise to such payment
                           ("TAX CREDIT"), it shall pay to Party A, as soon as
                           practical after receipt of the same, so much of the
                           cash benefit (as calculated below) relating thereto
                           which it has received as will leave Party B in
                           substantially the same (but in any event no worse)
                           position as Party B would have been in if no such
                           deduction or withholding had been required;

                  (2)      the "cash benefit" shall, in the case of credit,
                           allowance or set-off, be the additional amount of Tax
                           which would have been payable by Party B in the
                           relevant jurisdiction referred to in (1) above but
                           for the obtaining by it of the said Tax credit,
                           allowance or set-off and, in the case of a repayment,
                           shall be the amount of the repayment together with
                           any related interest or similar payment obtained by
                           Party B;

                  (3)      it will use all reasonable endeavours to obtain any
                           Tax Credit as soon as is reasonably practicable and
                           it shall, upon request by Party A, supply Party A
                           with a reasonably detailed explanation of its
                           calculation of the amount of any such Tax Credit and
                           of the date on which the same is received; and

                  (4)      it will ensure that any Tax Credit obtained is paid
                           directly to Party A, and not applied in whole or part
                           to pay any other Issuer Secured Creditor or any other
                           party, both prior to and subsequent to any
                           enforcement of the security constituted by the Sixth
                           Issuer Deed of Charge.

         (l)      SECURITY, ENFORCEMENT AND LIMITED RECOURSE

                  (a)      Party A agrees with Party B and the Security Trustee
                           to be bound by the terms of the Sixth Issuer Deed of
                           Charge and, in particular, confirms that:

                           (i)      no sum shall be payable by or on behalf of
                                    Party B to it except in accordance with the
                                    provisions of the Sixth Issuer Deed of
                                    Charge; and

                           (ii)     it will not take any steps for the winding
                                    up, dissolution or reorganisation, or for
                                    the appointment of a receiver,
                                    administrator, administrative receiver,
                                    trustee, liquidator, sequestrator or similar
                                    officer of Party B or of any or all of its
                                    revenues and assets nor participate in any
                                    ex parte proceedings nor seek to enforce any
                                    judgment against Party B, subject to the
                                    provisions of the Sixth Issuer Deed of
                                    Charge.

                  (b)      In relation to all sums due and payable by Party B to
                           Party A, Party A agrees that it shall have recourse
                           only to Sixth Issuer Available Funds, but always
                           subject to the order of priority of payments set out
                           in the Sixth Issuer Cash Management Agreement and the
                           Sixth Issuer Deed of Charge.

<PAGE>

(m)      CONDITION PRECEDENT

         Section 2(a)(iii) shall be amended by the deletion of the words "a
         Potential Event of Default" in respect of obligations of Party B only.

(n)      REPRESENTATIONS

         Section 3(b) shall be amended by the deletion of the words "or
         Potential Event of Default" in respect of the representation given by
         Party B only.

(o)      ADDITIONAL DEFINITIONS

         Words and expressions defined in the Amended and Restated Master
         Definitions and Interpretation Schedule (the "MASTER SCHEDULE") and the
         Sixth Issuer Master Definitions and Construction Schedule (the "ISSUER
         SCHEDULE") (together the "MASTER DEFINITIONS SCHEDULE") signed for the
         purposes of identification on ___, 2002 shall, except so far as the
         context otherwise requires, have the same meaning in this Agreement. In
         the event of any inconsistency between the definitions in this
         Agreement and in the Master Definitions Schedule the definitions in
         this Agreement shall prevail. In the event of any inconsistency between
         the Master Schedule and the Issuer Schedule, the Issuer Schedule shall
         prevail. The rules of interpretation set out in the Master Definitions
         Schedule shall apply to this Agreement.

(p)      CALCULATIONS

         Upon the occurrence of an Event of Default or an Additional Termination
         Event with respect to Party A, Party B will be entitled (but not
         obliged in the event that it does not designate an Early Termination
         Date) to proceed in accordance with Section 6 of the Agreement subject
         to the following:

         (i)      For the purposes of Section 6(d)(i), Party B's obligation with
                  respect to the extent of information to be provided with its
                  calculations is limited to information Party B has already
                  received in writing and provided Party B is able to release
                  this information without breaching the provisions of any law
                  applicable to, or any contractual restriction binding upon,
                  Party B.

          (ii)    The following amendments shall be deemed to be made to the
                  definitions of "Market Quotation":

                  (A)      the word "firm" shall be added before the word
                           "quotations" in the second line;

                  (B)      the words "provided that the documentation relating
                           thereto is either the same as this Agreement and the
                           existing confirmations hereto (and the short-term,
                           unsecured and unsubordinated debt obligations of the
                           Reference Market-maker are rated not less than
                           ["A-1+"] by S&P and ["F1"] by Fitch and the
                           long-term, unsecured and unsubordinated debt
                           obligations of the Reference Market-maker are rated
                           not less than ["A1"] by Moody's (or, if such
                           Reference Market-maker is not rated by a Rating
                           Agency, at such equivalent rating (by another Rating
                           Agency) = that is acceptable to such Rating Agency)
                           or the Rating Agencies have confirmed in writing such
                           proposed documentation will not adversely

<PAGE>

                           impact the ratings of the Series 1 Class C Issuer
                           Notes " shall be added after "agree" in the sixteenth
                           line; and

                  (C)      the last sentence shall be deleted and replaced with
                           the following:

                           "If, on the last date set for delivery of quotations,
                           exactly two quotations are provided, the Market
                           Quotation will be either (a) the lower of the two
                           quotations where there would be a sum payable by
                           Party A to Party B, or (b) the higher of the two
                           quotations where there would be a sum payable by
                           Party B to Party A. If only one quotation is provided
                           on such date, Party B may, in its discretion, accept
                           such quotation as the Market Quotation and if Party B
                           does not accept such quotation (or if no quotation
                           has been provided), it will be deemed that the Market
                           Quotation in respect of the Terminated Transaction
                           cannot be determined."

         (iii)    For the purpose of the definition of "Market Quotation", and
                  without limiting the general rights of Party B under the
                  Agreement:

                  (A)      Party B will undertake to use its reasonable efforts
                           to obtain at least three firm quotations as soon as
                           reasonably practicable after the Early Termination
                           Date and in any event within the time period
                           specified pursuant to (iii)(C) below;

                  (B)      Party A shall, for the purposes of Section 6(e), be
                           permitted to obtain quotations from Reference
                           Market-makers; and

                  (C)      if no quotations have been obtained within 6 Local
                           Business Days after the occurrence of the Early
                           Termination Date or such longer period as Party B may
                           specify in writing to Party A, then it will be deemed
                           that the Market Quotation in respect of the
                           Terminated Transaction cannot be determined.

         (iv)     Party B will be deemed to have discharged its obligations
                  under (iii)(A) above if it promptly requests, in writing,
                  Party A (such request to be made within two Local Business
                  Days after the occurrence of the Early Termination Date) to
                  obtain quotations from Reference Market-makers.

         (v)      Party B will not be obliged to consult with Party A as to the
                  day and time of obtaining any quotations.

(q)      TRANSFERS

         Section 7 of this Agreement shall not apply to Party A, who shall be
         required to comply with, and shall be bound by, the following:

         Without prejudice to Section 6(b)(ii), Party A may transfer all its
         interest and obligations in and under this Agreement upon providing
         five Business Days prior written notice to the Security Trustee, to any
         other entity (a "TRANSFEREE") provided that:

         (a)      the Transferee's short-term unsecured and unsubordinated debt
                  obligations are then rated not less than ["A-1+"] by S&P and
                  ["F1"] by Fitch and its long-term

<PAGE>

                  unsecured and unsubordinated debt obligations are then rated
                  not less than ["A1"] by Moody's (or its equivalent by any
                  substitute rating agency) or such Transferee's obligations
                  under this Agreement are guaranteed by an entity whose
                  short-term, unsecured and unsubordinated debt obligations are
                  then rated not less than ["A-1+"] by S&P and ["F1"] by Fitch
                  and whose long-term, unsecured and unsubordinated debt
                  obligations are then rated not less than ["A1"] by Moody's (or
                  its equivalent by any substitute rating agency);

         (b)      as of the date of such transfer the Transferee will not, as a
                  result of such transfer, be required to withhold or deduct on
                  account of tax under this Agreement;

         (c)      a Termination Event or an Event of Default does not occur
                  under this Agreement as a result of such transfer;

         (d)      no additional amount will be payable by Party B to Party A or
                  the Transferee on the next succeeding Scheduled Payment Date
                  as a result of such transfer; and

         (e)      (if the Transferee is domiciled in a different country from
                  both Party A and Party B) S&P, Moody's and Fitch have provided
                  prior written notification that the then current ratings of
                  the Series 1 Class C Sixth Issuer Notes will not be adversely
                  affected.

         Following such transfer all references to Party A shall be deemed to be
         references to the Transferee.

         Save as otherwise provided for in this Agreement and notwithstanding
         Section 7, Party A shall not be permitted to transfer (by way of
         security or otherwise) this Agreement nor any interest or obligation in
         or under this Agreement without the prior written consent of the
         Security Trustee.

<PAGE>

From:             ___

To:               Holmes Financing (No. 6) PLC
                  Abbey House
                  Baker Street
                  London
                  NW1 6XL

Attention:        Company Secretary

To:               JPMorgan Chase Bank, London Branch
                  Trinity Tower
                  9 Thomas More Street
                  London

                  E1W 1TY

Attention:        Manager Trust Administration Team

                                                                       ___, 2002

Dear Sirs,

CONFIRMATION - SERIES 1 CLASS C DOLLAR TO STERLING CURRENCY SWAP

The purpose of this letter is to confirm the terms and conditions of the swap
transaction entered into between us on the Trade Date specified below (the "SWAP
TRANSACTION"). This letter constitutes a "CONFIRMATION" as referred to in the
1992 ISDA Master Agreement (Multicurrency-Cross Border) (Series 1 Class C)
entered into between us, you and ___ (the "SECURITY TRUSTEE") on the date hereof
as amended and supplemented from time to time (the "AGREEMENT").

The definitions and provisions contained in the 2000 ISDA Definitions as
published by the International Swaps & Derivatives Association, Inc. (the
"DEFINITIONS") are incorporated into this Confirmation. In the event of any
inconsistency between any of the following, the first listed shall govern: (i)
this Confirmation, (ii) the Master Definitions Schedule, and (iii) the
Definitions.

The term "TRANSACTION" as used herein shall, for the purposes of the
Definitions, have the same meaning as "SWAP TRANSACTION".

1.      The following terms relate to all Transactions to which this
        Confirmation relates:

        Party A:                                   ___

        Party B:                                   Holmes Financing (No. 6) PLC

        Trade Date:                                ___, 2002

        Termination                                Date: The earlier of the
                                                   Interest Payment Date
                                                   falling in [July 2040] and
                                                   the date on which all of
                                                   the Series 1 Class C Sixth
                                                   Issuer Notes are redeemed
                                                   in full.

<PAGE>

        Dollar Currency Swap Rate:                 ___ (USD per GBP)

        Business Days:                             London, New York and TARGET

        Calculation Agent:                         Party A

2.       PRINCIPAL TRANSACTION:

Effective Date:                                    ___, 2002

Party A Floating Amounts:

         Party A

         Currency Amount:                          USD [57,000,000]

         Party A

<TABLE>
        <S>                                        <C>
         Payment Dates:                            Each  Interest  Payment Date up to the  Termination  Date,
                                                   and including the Termination Date.

         Floating Rate for

         Initial Calculation Period:               Linear Interpolation applicable.

         Party A

         Floating Rate Option:                     USD-LIBOR-BBA

         Designated Maturity:                      3 months

         Spread:                                   ___ per cent.  per annum up to and  including the Interest
                                                   Payment Date  falling in April,  2008 and  thereafter  ___
                                                   per cent. per annum.

         Rounding Convention:                      Rounded to the nearest cent

         Reset Dates:                              The first day of each Calculation Period

         Party A Floating Rate Day

         Count Fraction:                           Actual/360

Party B Floating Amounts:

         Party B

         Currency Amount:                          GBP  [Insert  a  figure  calculated  by  reference  to the
                                                   Party A  Currency  Amount  and the  Dollar  Currency  Swap
                                                   Rate]

         Party B

         Payment Dates:                            Each  Interest  Payment Date up to the  Termination  Date,
                                                   and including the Termination Date.

</TABLE>

<PAGE>

<TABLE>
        <S>                                        <C>
         Floating Rate for
         Initial Calculation

         Period:                                   Linear Interpolation applicable.

         Party B

         Floating Rate Option:                     GBP-LIBOR-BBA

         Designated Maturity:                      3 months

         Spread:                                   ___ per cent.  per annum up to and  including the Interest
                                                   Payment Date  falling in April,  2008 and  thereafter  ___
                                                   per cent. per annum

         Floating Rate Day

         Count Fraction:                           Actual/365(Fixed)

         Rounding Convention:                      Rounded to the nearest penny

         Reset Dates:                              The first day of each Calculation Period

Initial Exchange:

         Initial Exchange Date:                    ___, 2002

         Party A Initial

         Exchange Amount:                          Party B Currency Amount

         Party B Initial

         Exchange Amount:                          Party A Currency Amount

Final Exchange:

         Final Exchange Date:                      Termination Date

         Party A Final

         Exchange Amount:                          Party A Currency Amount

         Party B Final

         Exchange Amount:                          Party B Currency Amount

</TABLE>

3.       ADDITIONAL INTEREST RATE AND CURRENCY TRANSACTIONS:

         The terms set out below are applicable to each of the additional
         interest rate and currency transactions (each an "ADDITIONAL
         TRANSACTION") (comprising the Additional Initial Exchange Amounts and
         Additional Final Exchange Amounts, Party A Additional Floating Amounts
         and Party B Additional Floating Amounts set out below). The following
         terms reflect such additional 1,000,000 Additional Transactions each on
         the terms set out below and each such Additional Transaction shall be
         referred to in numerical sequence beginning with "Additional
         Transaction 1" through to "Additional Transaction 1,000,000" (together,
         the "ADDITIONAL TRANSACTIONS"). Such Additional Transactions are to
         become effective on a sequential basis, starting on the first
         Additional Initial Exchange Date on which the conditions referred to
         below are satisfied for that Additional Transaction.

<PAGE>

         The first Additional Transaction shall be conditional upon the USD
         Amortisation Amount for any Interest Payment Date being greater than or
         equal to the Party B Additional Currency Amount (as defined below) and
         each subsequent Transaction shall be conditional upon: (i) the Relevant
         Payment Date (as defined below) having occurred in respect of the
         immediately numerically preceding Additional Transaction and (ii) the
         then relevant USD Amortisation Amount less the aggregate of the Party A
         Additional Initial Exchange Amounts of the preceding Additional
         Transactions in respect of which the Relevant Payment Date is the
         relevant Additional Initial Exchange Date equalling or exceeding the
         Party A Additional Initial Exchange Amount of the Additional
         Transaction.

         On each Interest Payment Date Party B shall notify Party A as to the
         USD Amortisation Amount and the Additional Transactions in numerical
         order that are (i) then currently effective and (ii) to become
         effective on the next Party A Payment Date.

<TABLE>
<S>     <C>                                                      <C>
 USD Amortisation Amount:                                        In respect of the Interest Payment Date, an
                                                                 amount in Dollars equal to the amount of the
                                                                 Series 1 Class C Sixth Issuer Notes to be
                                                                 redeemed on such Interest Payment Date.

Additional Initial Exchanges and Additional Final
Exchanges:

        Additional Initial Exchange Date and the                 The Interest Payment Date on which the
        Effective Date:                                          conditions referred to above for the relevant
                                                                 Transaction comprising one of the Additional
                                                                 Transactions are satisfied (being the "RELEVANT
                                                                 PAYMENT DATE" for that Transaction).

        Party A Additional Initial Exchange Amount:              USD [57.00]

        Party B Additional Initial Exchange Amount:              GBP [Insert a figure  calculated  by reference
                                                                 to  the  Party  Additional   Initial  Exchange
                                                                 Amount and the Dollar Currency Swap Rate]

        Party A Additional Final Exchange Amount:                GBP [Insert a figure  calculated  by reference
                                                                 to  the  Party  B  Additional  Final  Exchange
                                                                 Amount and the Dollar Currency Swap Rate]

        Party B Additional Final Exchange Amount:                USD [57.00]

        Additional Final Exchange Date:                          Termination Date

 Additional Floating Amounts:

     Party A Additional Floating Amounts:
</TABLE>

<PAGE>

<TABLE>
<S>     <C>                                                      <C>
        Party A Additional Currency Amount:                      GBP [Insert a figure  calculated  by reference
                                                                 to the Party B Additional  Currency Amount and
                                                                 the Dollar Currency Swap Rate]

        Party A Additional Floating Amount Payer:                Party A

        Party A Additional Floating Amount Payer Payment         Each  Interest   Payment  Date  following  the
        Dates:                                                   Relevant Payment Date

        Party A Additional Floating Amount Option:               GBP - LIBOR - BBA

        Designated Maturity:                                     3 months

        Spread:                                                  ___ per cent.  per  annum up to and  including
                                                                 the  Interest  Payment  Date falling in April,
                                                                 2008 and thereafter ___ per cent. per annum.

        Party A Additional Floating Amount Day Count             Actual/365(Fixed)
        Fraction:

        Reset Dates:                                             The first day of each Calculation Period

Party B Additional Floating Amounts:

        Party B Additional Currency Amount:                      USD [57.00]

        Party B Additional Floating Amount Payer:                Party B

        Party B Additional Floating Amount Payer Payment         Each  Interest   Payment  Date  following  the
        Date:                                                    Relevant Payment Date

        Party B Additional Floating Rate Amount Option:          USD - LIBOR - BBA

        Designated Maturity:                                     3 months

        Spread:                                                  ___ per cent.  per  annum up to and  including
                                                                 the  Interest  Payment  Date falling in April,
                                                                 2008 and thereafter ___  per cent. per annum.

        Party B Floating Rate Day Count Fraction:                Actual/360

        Reset Dates:                                             The first day of each Calculation Period
</TABLE>

4.       DEFERRAL OF FLOATING AMOUNTS:

         If any payment of interest under the Series 1 Class C Sixth Issuer
         Notes is deferred in accordance with the terms and conditions of the
         Series 1 Class C Sixth Issuer Notes then a corresponding part of the
         Party A Floating Amount and a pro rata part of the Party B Floating
         Amount which, in each case, would otherwise be due in respect of the
         relevant Interest Payment Date shall be deferred.

<PAGE>

         The amount so deferred on the Party A Floating Amount shall be payable
         on the next Party A Floating Amount Payment Date (together with an
         additional floating amount accrued thereon at the applicable Party A
         Floating Rate) and the Party A Floating Amount due on such date shall
         be deemed to include such amounts.

         The amount so deferred on the Party B Floating Amount shall be payable
         on the next Party B Floating Amount Payment Date (together with an
         additional floating amount accrued thereon accrued at the applicable
         Party B Floating Rate) and the Party B Floating Amount due on such date
         shall be deemed to include such amounts.

         On any subsequent occasion if any payment of interest under the Series
         1 Class C Sixth Issuer Notes is deferred (including any payment of a
         previous shortfall of interest or any payment of interest on such
         shortfall) in accordance with the terms and conditions of the Series 1
         Class C Sixth Issuer Notes then all or a corresponding part of the
         Party A Floating Amount and a pro rata part of the Party B Floating
         Amount shall be deferred.

         The amount so deferred on the Party A Floating Amount shall be payable
         on the next Party A Floating Amount Payment Date (together with an
         additional floating amount accrued thereon at the applicable Party A
         Floating Rate) and the Party A Floating Amount due on such date shall
         be deemed to include such amounts.

         The amount so deferred on the Party B Floating Amount shall be payable
         on the next Party B Floating Amount Payment Date (together with an
         additional floating amount accrued thereon at the applicable Party B
         Floating Rate) and the Party B Floating Amount due on such date shall
         be deemed to include such amounts.

5.       MISCELLANEOUS:

         Section 2(c)(ii) of the Agreement will not apply and accordingly, any
         obligation of Party A to pay Sterling and Party B to pay Dollars in
         each case under any of the Additional Transactions on any date will be
         netted off against the obligation of Party B and Party A to make
         payments in Sterling and Dollars respectively under the Principal
         Transaction on such date. Since the relevant payment obligations under
         the Principal Transaction will always be larger than or equal to the
         Sterling and Dollar payment obligations respectively of Party A and
         Party B under the Additional Transactions, Party A and Party B shall
         not be required to make any Sterling and Dollar payments respectively
         under the Additional Transactions.

6.       ACCOUNT DETAILS:

         Payments to Party A
         in Dollars:           Bank:                             Please provide

                               Account Number:                   Please provide

                               SWIFT:                            Please provide

                               ABA No.:                          Please provide

                               Account Name:                     Please provide

<PAGE>

         Payments to Party A
         in Sterling:          Bank:                             Please provide

                               Sort Code                         Please provide

                               Account Number:                   Please provide

                               Account Name:                     Please provide

                               CHAPS:                            Please provide

                               SWIFT:                            Please provide

         Payments to Party B
         in Dollars:           Bank:                             Please provide

                               Account Number:                   Please provide

                               Swift Code:                       Please provide

                               Sort Code:                        Please provide

                               Reference:                        Please provide

         Payments to Party B
         in Sterling:          Bank:                             Please provide

                               Account Number:                   Please provide

                               Sort Code:                        Please provide

                               Reference:                        Please provide

7.       NOTICE DETAILS:

         Party A:              ___

         Address:              [       ]

         Facsimile Number:     [       ]

         Attention:            [       ]

<PAGE>

         Party B:              Holmes Financing (No. 6) PLC

         Address:              [c/o Abbey National plc
                               Abbey House (AAM 319)
                               201 Grafton Gate East
                               Milton Keynes
                               MK9 1AN]

         Facsimile Number:     [+44 1908 344217]

         Attention:            [Securitisation Team, Risk Operations]

         With a copy to the Security Trustee: ___

         Address:              [       ]

         Facsimile Number:     [       ]

         Attention:            [       ]

Yours faithfully,

[SWAP COUNTERPARTY]

By:
Name:
Title:

Confirmed as of the date first written:

HOLMES FINANCING (NO. 6) PLC

By:
Name:
Title:

[SECURITY TRUSTEE]

By:
Name:
Title:EXHIBIT 10.4

                            DATED ___ NOVEMBER, 2002

                             HOLMES FUNDING LIMITED
                                   as Funding

                                       and

                               ABBEY NATIONAL PLC
                         as Sixth Start-up Loan Provider

                                       and

                       JPMORGAN CHASE BANK, LONDON BRANCH
                               as Security Trustee

                    -----------------------------------------
                          SIXTH START-UP LOAN AGREEMENT
                    -----------------------------------------

                                  ALLEN & OVERY
                                     London
                                  ICM:572252.2

<PAGE>

                                    CONTENTS

CLAUSE                                                                      PAGE

  1.     Definitions and Interpretation.......................................1
  2.     The Facility.........................................................1
  3.     Interest.............................................................1
  4.     Repayment............................................................2
  5.     Acceleration.........................................................2
  6.     Payments and Limited recourse........................................3
  7.     Subordination and Security...........................................3
  8.     Notices..............................................................4
  9.     Taxes................................................................5
  10.    Remedies and Waivers.................................................5
  11.    Assignments and Transfer.............................................5
  12.    Funding Security Trustee as a Party..................................5
  13.    No Partnership.......................................................5
  14.    Variation............................................................6
  15.    Invalidity of any Provision..........................................6
  16.    Counterparts.........................................................6
  17.    Governing law........................................................6
  18.    Submission to Jurisdiction...........................................6

<PAGE>

THIS SIXTH START-UP LOAN AGREEMENT is made on ___ November, 2002

BETWEEN:

(1)     HOLMES FUNDING LIMITED (registered number 3982428), a private limited
        company incorporated in England and Wales, whose registered office is at
        Abbey National House, 2 Triton Square, Regents Place, London NW1 3AN
        ("FUNDING");

(2)     ABBEY NATIONAL PLC, a public limited company incorporated under the laws
        of England and Wales whose registered office is at Abbey National House,
        2 Triton Square, Regents Place, London NW1 3AN (the "SIXTH START-UP LOAN
        PROVIDER"); and

(3)     JPMORGAN CHASE BANK, LONDON BRANCH (formerly known as The Chase
        Manhattan Bank, London Branch) whose principal office is at Trinity
        Tower, 9 Thomas More Street, London E1W 1YT (the "SECURITY TRUSTEE",
        which expression shall include such person and all other persons for the
        time being acting as trustee or trustees under the Funding Deed of
        Charge).

IT IS HEREBY AGREED as follows:

1.      DEFINITIONS AND INTERPRETATION

        The Amended and Restated Master Definitions and Construction Schedule,
        signed for the purposes of identification by Allen & Overy and Slaughter
        and May on ___ November, 2002 (as the same may be amended, varied or
        supplemented from time to time with the consent of the parties hereto)
        are expressly and specifically incorporated into this Agreement and,
        accordingly, the expressions defined in the Amended and Restated Master
        Definitions and Construction Schedule (as so amended, varied or
        supplemented) shall, except where the context otherwise requires and
        save where otherwise defined herein, have the same meanings in this
        Agreement, including the Recitals hereto and this Agreement shall be
        construed in accordance with the interpretation provisions set out in
        CLAUSE 2 of that Amended and Restated Master Definitions and
        Construction Schedule.

2.      THE FACILITY

        The Sixth Start-up Loan Provider grants to Funding simultaneously with
        the issue by the Sixth Issuer of the Sixth Issuer Notes and upon the
        terms and subject to the conditions hereof, a sterling loan facility in
        an aggregate amount of up to (pound)___ (___ pounds sterling) (the
        amount so granted or such part of such amount as shall be outstanding
        from time to time being referred to as the "ADVANCE") on the Sixth
        Issuer Closing Date for the purpose of providing funding for Funding's
        fees, costs and expenses in respect of the addition to Funding's Share
        of the Trust Property and in respect of amounts payable by Funding under
        the Sixth Issuer Intercompany Loan in relation to the issue of the Sixth
        Issuer Notes, which shall be paid into the Funding Transaction Account.

3.      INTEREST

3.1     The Advance and any interest capitalised pursuant to CLAUSE 3.4 will
        bear interest from (and including) the Sixth Issuer Closing Date until
        the Advance and all accrued interest thereon is repaid in full at a rate
        of (i) until (but excluding) the Interest Payment Date falling in [April
        2008], LIBOR for three-month sterling deposits plus ___ per cent. per
        annum and (ii) from the

<PAGE>
                                       2

        Interest Payment Date falling in [April 2008], LIBOR for three-month
        sterling deposits plus ___ per cent. per annum. [For the first Interest
        Period, LIBOR will be determined on the basis of a linear interpolation
        between LIBOR for two-month and three-month sterling deposits.]

3.2     Subject to CLAUSES 6.2 and 6.3, interest on the Advance and any interest
        capitalised pursuant to CLAUSE 3.4 will be payable in arrear on each
        Interest Payment Date.

3.3     Interest shall be calculated by reference to any Interest Period on the
        basis of the actual number of days elapsed and a 365 day year.

3.4     Any interest accrued in respect of an Interest Period but not paid on
        the Interest Payment Date relating thereto shall be capitalised
        forthwith.

4.      REPAYMENT

4.1     Funding shall make repayments toward the Advance (including any interest
        capitalised pursuant to CLAUSE 3.4) on each Interest Payment Date if,
        and to the extent that, there are Funding Available Revenue Receipts
        available therefore after making the payments and provisions referred to
        in paragraphs (a) to (p) of the Funding Pre-Enforcement Revenue Priority
        of Payments, until the Advance has been fully repaid.

4.2     The Cash Manager is responsible, pursuant to the Cash Management
        Agreement, for determining the amount of Funding Available Revenue
        Receipts as at any Intercompany Loan Determination Date and each
        determination so made shall (in the absence of negligence, wilful
        default, bad faith or manifest error) be final and binding on the Sixth
        Start-up Loan Provider.

4.3     Subject to CLAUSES 5, 6.2, 6.3 and 7.2, on any Interest Payment Date on
        which all the Intercompany Loans have been repaid in full, Funding shall
        immediately repay the Advance (including any interest capitalised
        pursuant to CLAUSE 3.4) and pay any accrued interest.

4.4     The Sixth Start-up Loan Provider hereby acknowledges that from time to
        time Funding may enter into New Start-up Loan Agreements with New
        Start-up Loan Providers and that the obligation of Funding to repay this
        Sixth Start-up Loan and any New Start-up Loan will rank pari passu and
        will be paid pro rata between themselves. The Sixth Start-up Loan
        Provider further acknowledges that the Funding Pre-Enforcement Revenue
        Priority of Payments and the Funding Post-Enforcement Priority of
        Payments set out in PARTS I and III of SCHEDULE 3 to the Funding Deed of
        Charge respectively will be amended to reflect the entry by Funding into
        New Start-up Loan Agreements and related agreements from time to time
        and agrees to execute such documents as are necessary or required by the
        Rating Agencies for the purpose of including the New Start-up Loan
        Provider and the New Issuer (and any other relevant party) in the
        Transaction Documents to effect those amendments.

5.      ACCELERATION

        If any Intercompany Loan Enforcement Notice is served, this facility
        shall be cancelled and the Advance (including any interest capitalised
        pursuant to CLAUSE 3.4) and accrued interest shall, subject to the
        Funding Deed of Charge, become immediately due and payable.

<PAGE>
                                       3

6.      PAYMENTS AND LIMITED RECOURSE

6.1     All payments to be made hereunder by Funding shall be made in sterling
        in immediately available cleared funds to the Sixth Start-up Loan
        Provider's account (sort code 09-00-20; account number 00648620) (or
        such other account as the Sixth Start-up Loan Provider may have
        specified in writing to Funding for this purpose). If any sum falls due
        hereunder otherwise than on a Business Day, it shall be paid on the next
        succeeding Business Day.

6.2     Prior to service of any Intercompany Loan Enforcement Notice or
        repayment in full of all the Intercompany Loans, amounts of principal,
        interest and any other amounts due hereunder shall be paid only in
        accordance with CLAUSE 7.4 and PART 1 of SCHEDULE 3 of the Funding Deed
        of Charge.

6.3     If, upon the Advance becoming due and payable pursuant to CLAUSES 4.3 or
        5, Funding has insufficient funds available to meet its obligations
        hereunder in full on such date then:

        (a)     Funding shall utilise its funds on such date to the extent
                available in making payments to the Sixth Start-up Loan Provider
                to repay the Advance (including any interest capitalised
                pursuant to CLAUSE 3.4) and accrued interest thereon; and

        (b)     the obligations of Funding to pay the shortfall together with
                any amounts falling due and payable thereafter shall on any day
                be limited to the available funds acquired by Funding subsequent
                to such date, together with the proceeds of the enforcement of
                the security, paid to the Sixth Start-up Loan Provider pursuant
                to CLAUSE 8 of the Funding Deed of Charge,

        provided that the Sixth Start-up Loan Provider shall not release Funding
        from Funding's obligation to pay the remaining amount that would have
        been due under this Agreement had this CLAUSE 6.3 not applied.

7.      SUBORDINATION AND SECURITY

7.1     The parties hereby agree that the Advance shall be subordinated to,
        inter alia, payments of principal and interest on any Intercompany Loan,
        and all other payments or provisions ranking in priority to payments to
        be made to the Sixth Start-up Loan Provider under this Agreement in
        accordance with the priority of payments or as provided in CLAUSE 8 and
        SCHEDULE 3 of the Funding Deed of Charge.

7.2     The Sixth Start-up Loan Provider further agrees that, without prejudice
        to CLAUSE 8 of the Funding Deed of Charge, its rights against Funding
        under this Agreement are limited to the extent that Funding has
        sufficient assets to meet its claim or any part thereof having taken
        into account all other liabilities, both actual and contingent, of
        Funding which pursuant to the Funding Deed of Charge rank pari passu
        with or in priority to its liabilities to the Sixth Start-up Loan
        Provider under this Agreement and so that Funding shall not be obliged
        to make any payment to the Sixth Start-up Loan Provider hereunder if and
        to the extent that the making of such payment would cause Funding to be
        or become unable to pay its debts within the meaning of Section 123 of
        the Insolvency Act 1986. However, if there are sufficient Funding
        Available Revenue Receipts available but the Sixth Issuer does not repay
        the Advance when due, such non-repayment will constitute an event of
        default under this Sixth Start-up Loan Agreement.

<PAGE>
                                       4

7.3     Funding undertakes that its obligations to the Sixth Start-up Loan
        Provider hereunder shall at all times be secured by the Funding Deed of
        Charge.

7.4     The Sixth Start-up Loan Provider hereby undertakes to be bound by the
        terms of the Funding Deed of Charge and the Cash Management Agreement
        and in particular agrees that on enforcement of the security created by
        the Funding Deed of Charge, all amounts of principal, interest and any
        other amounts due hereunder shall rank in the order of priority set out
        in Funding Post-Enforcement Priority of Payments.

7.5     The Sixth Start-up Loan Provider further covenants that, except as
        permitted under CLAUSE 9 of the Funding Deed of Charge, it will not set
        off or claim to set off the Advance or any interest thereon or any part
        of either thereof against any liability owed by it to Funding.

7.6     The Sixth Start-up Loan Provider undertakes that it will not, prior to
        the second anniversary of the date on which any Notes are redeemed in
        full, take any corporate action or other steps or legal proceedings for
        the winding up, dissolution or reorganisation or for the appointment of
        a receiver, administrator, administrative receiver, trustee, liquidator,
        sequestrator or similar officer of Funding or of any or all of the
        revenues and assets of Funding nor participate in any proceedings
        without notice nor seek to enforce any judgment against Funding, except
        as permitted under the provisions of the Funding Deed of Charge.

8.      NOTICES

        Any notices to be given pursuant to this Agreement or to any of the
        parties hereto shall be sufficiently served if sent by prepaid first
        class post or by facsimile transmission and shall be deemed to be given
        (in the case of facsimile transmission) when despatched, (where
        delivered by hand) on the day of delivery if delivered before 17.00
        hours on a Business Day or on the next Business Day if delivered
        thereafter or (in the case of first class post) when it would be
        received in the ordinary course of the post and shall be sent:

        (a)     in the case of Funding, to Holmes Funding Limited c/o Abbey
                National plc, Abbey National House, 2 Triton Square, Regents
                Place, London NW1 3AN (facsimile number (44) 20 7612 4442) for
                the attention of the Company Secretary with a copy to Abbey
                House (AAM 126), 201 Grafton Gate East, Milton Keynes, MK9 1AN
                (facsimile number (44) 1908 343 019) for the attention of
                Securitisation Team, Business Relationship Management;

        (b)     in the case of the Sixth Start-up Loan Provider, to Abbey
                National plc, Abbey National House, 2 Triton Square, Regents
                Place, London NW1 3AN (facsimile number (44) 20 7612 4442) for
                the attention of the Company Secretary; and

        (c)     in the case of the Security Trustee, to JPMorgan Chase Bank,
                London Branch at Trinity Tower, 9 Thomas More Street, London E1W
                1YT (facsimile number (44) 20 7777 5410) for the attention of
                the Manager, Trust Administration Services,

        or to such other address or facsimile number as may from time to time be
        notified by any party to the other by written notice in accordance with
        the provisions of this CLAUSE 8.

<PAGE>
                                       5

9.      TAXES

9.1     All payments to be made by Funding to the Sixth Start-up Loan Provider
        hereunder shall be made free and clear of and without deduction for or
        on account of Tax unless Funding is required by law to make such a
        payment subject to the deduction or withholding of Tax, in which case
        Funding shall promptly upon becoming aware thereof notify the Sixth
        Start-up Loan Provider of such obligation, and shall make such payments
        subject to such deduction or withholding of Tax which it is required to
        make.

9.2     If Funding makes any payment hereunder in respect of which it is
        required to make any deduction or withholding, it shall pay the full
        amount required to be deducted or withheld to the relevant taxation or
        other authority within the time allowed for such payment under
        applicable law and shall deliver to the Sixth Start-up Loan Provider,
        within thirty days after such payment falls due to the applicable
        authority, any original receipt (or a certified copy thereof) issued by
        such authority evidencing such payment.

10.     REMEDIES AND WAIVERS

        No failure by the Sixth Start-up Loan Provider to exercise, nor any
        delay by the Sixth Start-up Loan Provider in exercising, any right or
        remedy hereunder shall operate as a waiver thereof, nor shall any single
        or partial exercise of any right or remedy prevent any further or other
        exercise thereof or the exercise of any other right or remedy. The
        rights and remedies herein provided are cumulative and not exclusive of
        any rights or remedies provided by law.

11.     ASSIGNMENTS AND TRANSFER

11.1    Funding (other than in respect of any assignment by way of security
        pursuant to the Funding Deed of Charge) may not assign and/or transfer
        any of its rights and/or obligations under this Agreement.

11.2    If there is any change in the identity of the Security Trustee pursuant
        to the terms of the Funding Deed of Charge, the Sixth Start-up Loan
        Provider and Funding shall execute such documents and take such actions
        as the new Security Trustee and the outgoing Security Trustee (as the
        case may be) may reasonably require for the purpose of vesting in the
        new Security Trustee the rights and obligations of the outgoing Security
        Trustee and releasing the outgoing Security Trustee (as the case may be)
        from its future obligations under this Agreement.

12.     SECURITY TRUSTEE AS A PARTY

        The Security Trustee has agreed to become a party to this Agreement for
        the better preservation and enforcement of its rights under this
        Agreement and the Security Trustee shall assume no obligations or
        liabilities whatsoever to the Sixth Start-up Loan Provider or to
        Funding.

13.     NO PARTNERSHIP

        Nothing in this Agreement (or in any of the arrangements contemplated
        hereby) shall, or shall be deemed to, constitute a partnership amongst
        the parties hereto.

<PAGE>
                                       6

14.     VARIATION

        No variation of this Agreement shall be effective unless it is in
        writing and signed by or on behalf of each of the parties hereto.

15.     INVALIDITY OF ANY PROVISION

        If any of the provisions of this Agreement becomes invalid, illegal or
        unenforceable in any respect under any law, the validity, legality and
        enforceability of the remaining provisions shall not in any way be
        affected or impaired thereby.

16.     COUNTERPARTS

16.1    This Agreement may be executed in any number of counterparts, and by the
        parties on separate counterparts, but shall not be effective until each
        party has executed at least one counterpart.

16.2    Each counterpart shall constitute an original of this Agreement, but all
        the counterparts shall together constitute but one and the same
        instrument.

17.     GOVERNING LAW

        This Agreement shall be governed by, and construed in accordance with,
        the laws of England.

18.     SUBMISSION TO JURISDICTION

        Each party to this Agreement hereby irrevocably submits to the
        non-exclusive jurisdiction of the English courts in any action or
        proceeding arising out of or relating to this Agreement, and hereby
        irrevocably agrees that all claims in respect of such action or
        proceeding may be heard and determined by such courts. Each party to
        this Agreement hereby irrevocably waives, to the fullest extent it may
        possibly do so, any defence or claim that the English courts are an
        inconvenient forum for the maintenance or hearing of such action or
        proceeding.

IN WITNESS WHEREOF the parties hereto have executed this Agreement the day and
year first before written.

SIGNED for and on behalf of         )
HOLMES FUNDING LIMITED              )

SIGNED for and on behalf of         )
ABBEY NATIONAL PLC                  )

SIGNED for and on behalf of         )
JPMORGAN CHASE BANK,                )
LONDON BRANCH                       )

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