A Morgan Stanley Group company Important Information Advantage has ceased all mortgage origination activity All customer or borrower enquiries should continue to be made to Advantage's customer service department as follows: By telephone on 0344 892 1094* By post to Gateway House, Gargrave Road, Skipton, North Yorkshire BD23 2HL By DX to DX744640 Skipton The following 'Question and Answers' may address some of the queries you may have: Q. Who is going to administer my mortgage now that Advantage has ceased all mortgage origination activity? A. The arrangements for administration of your mortgage have not changed. Morgan Stanley Bank International Limited trading as Advantage will continue to administer your mortgage and if you have any queries, please contact us on 0344 892 1094*. Q. What happens if I want a further advance? A. As Advantage is no longer accepting new mortgage applications, this also means that it will not be accepting any new further advance applications. If you need to borrow more money and you cannot borrow from another source, this decision means that you will need to move your mortgage away from Advantage. In other words, you will need to borrow sufficient funds from another mortgage lender to repay your Advantage mortgage and also cover your additional borrowing requirements. IMPORTANT: Telephone calls may be monitored for training and security purposes. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE (*)call rate is subject to network cost