KPMG LLP Financial Services 1 Sovereign Square Sovereign Street Leeds LS1 4DA United Kingdom Tel +44 (0) 113 231 3916 Fax +44 (0) 113 231 3200 john.midgley@kpmg.co.uk Private & confidential The Directors Ripon Mortgages PLC 35 Great St. Helen’s...

Exhibit 99.1

KPMG LLP

Financial Services

0 Xxxxxxxxx Xxxxxx

Xxxxxxxxx Xxxxxx

Xxxxx XX0 0XX

Xxxxxx Xxxxxxx

Tel x00 (0) 000 000 0000

Fax x00 (0) 000 000 0000

xxxx.xxxxxxx@xxxx.xx.xx

Private & confidential

The Directors

Ripon Mortgages PLC

00 Xxxxx Xx. Xxxxx’x

Xxxxxx, XX0 0XX

(the “Issuer”)

The Directors

Ripon S.à x.x.

0-0, Xxx Xxxxxx Xxxxxxx

X-0000 Xxxxxxxxxx

(the “Seller”)

Citigroup Global Markets Limited

Citigroup Centre

00 Xxxxxx Xxxxxx

Xxxxxx, X00 0XX

(the “Arranger” and a “Joint Lead Manager”)

Xxxxxxx Xxxxx International

Bank of America Xxxxxxx Xxxxx Financial

Centre

0 Xxxx Xxxxxx Xxxxxx,

Xxxxxx, XX0X 0XX

(a “Join Lead Manager”)

Xxxxxxx Xxxxx, Xxxxxx, Xxxxxx & Xxxxx

Incorporated

One Bryant Park, 11th Floor

New York, 10036

(a “Joint Lead Manager”)

Xxxxxxx Xxxxx International Bank

Peterborough Court

000 Xxxxx Xxxxxx

Xxxxxx, XX0X 0XX

(a “Joint Lead Manager”)

Our ref JM/MD/MN/C01335

30 March 2017

Dear Sir or Madam

Project Ripon

In accordance with the engagement terms which have been agreed between us, we have performed certain agreed upon procedures in relation to the proposed disposal of a portfolio of buy-to-let mortgage loans (the “Portfolio”) originated by the Bradford & Bingley plc (the “Vendor”) funded by a securitisation transaction, and this letter reports on our performance of those agreed upon procedures (the “Pool AUP Letter”). This Pool AUP Letter is confidential and agreed disclosure restrictions apply.

We will not accept any responsibility to any other party to whom our Pool AUP Letter is shown or into whose hands it may come.

KPMG LLP, a UK limited liability partnership and a member firm of the

KPMG network of independent member firms affiliated with KPMG

International Cooperative (“KPMG International”), a Swiss entity.

Document Classification - KPMG Confidential

Registered in England No OC301540

Registered office: 00 Xxxxxx Xxxxxx, Xxxxxx, X00 0XX

For full details of our professional regulation please refer to

‘Regulatory Information’ under ‘About/About KPMG’ at xxx.xxxx.xxx/xx

KPMG LLP

Project Ripon

30 March 2017

It is your responsibility to determine the sufficiency of these procedures for your own purposes. Consequently, we make no representation regarding the sufficiency of the procedures described below either for the purpose for which this report has been requested or for any other purpose.

The procedures performed were not intended to satisfy any criteria for due diligence published by any nationally recognised statistical rating organisation (“NRSRO”). In accordance with the agreed engagement terms, we have performed the procedures identified below.

1 Procedures performed in respect of the buy-to-let mortgage loan pool

A data file containing a list of 106,004 loan receivables, entitled “Ripon September Pool Selection KPMG 161016 V2.0 (Password).xlsx” was made available to us by the Vendor on 20 October 2016. A sample of 457 buy-to-let mortgage loans were drawn at random from this list for the data verification AUPs (the “Sample”).

A data file containing details of the Sample, entitled “Copy of 1609 Ripon Data tape (Round 2) KPMG File.xlsx” was made available to us by the Vendor on 28 October 2016. Further data files containing additional information on the Sample were made available to us on 11 November entitled “bb_output_acc_1609 (2).xlsx”, “KPMG Sample – Arrears Balance and Current Margin1609.xlsx”, “KPMG Sample – Credit Risk data.xlsx” and “KPMG Sample – Activated Choices Balances.xlsx”. Together and combined, these five files are the “Extraction File”. Our work was based on the Extraction File. The Extraction File contained information on the Sample of loan receivables as shown by the records of the Vendor as at 30 September 2016 (the “Cut-off Date”).

Limited procedures as set out in the work programme (the “Work Programme”) attached as Appendix C in connection with the Sample were carried out.

The procedures performed were applied based on the methodologies, assumptions and information provided to us by the Vendor, without verification or evaluation of such methodologies, assumptions, documents and information by us; therefore, we express no opinion or any other form of assurance regarding (i) the reasonableness of the methodologies, assumptions or information provided to us by the Vendor, (ii) the physical existence of the loan receivables, (iii) the reliability or accuracy of the documents provided to us by the Vendor which were used in our procedures, (iv) the adequacy of the disclosures in the Extraction File, (v) as to whether any of the statements expressed therein omit any material facts, or (vi) the enforceability of any contractual provision in the mortgage loan documentation.


JM/MD/MN/C01335		2

Document Classification - KPMG Confidential

KPMG LLP

Project Ripon

30 March 2017

The procedures performed were not intended to address, nor did they address: (i) the conformity of the origination of the mortgage loan to stated underwriting or credit extension guidelines, standards, criteria or other requirements, (ii) the value of collateral securing any such being securitised, (iii) the compliance of the originator of the mortgage loans with applicable laws and regulations, or (iv) any other factor or characteristic of the loan receivables that would be material to the likelihood that the issuer or the asset-backed security will pay interest and principal in accordance with applicable terms and conditions.

2 Findings

The findings from the data verification agreed upon procedures are set out in Appendix A.

The following statistical interpretation can be applied to the findings set out in Appendix A: on the basis of the number of errors identified in the Sample (as reported on the ‘Errors’ lines of Appendix A) it can be calculated that there is a 99% level of confidence that not more than X% of the population contains errors relating to the specified test, where X is the relevant percentage reported on the ‘Statistics’ line of Appendix A.

Within the Sample there are 13 files with missing documentation such that we were unable to perform certain tests. For our statistical analysis, we have calculated the maximum error rates based on the full sample size of 457 files (treating the missing documents as an error in each case) and also based on the number of documents reviewed for each relevant test which excludes the loan accounts with missing documentation.

Details of the errors found as a result of the agreed upon procedures, and listed in Appendix A, are set out in Appendix B.

3 General

This Pool AUP Letter may only be relied upon in respect of the matters to which it refers and as of its date. In relying upon this Pool AUP Letter, you agree (save as may otherwise have been expressly agreed in writing) that we have no responsibility to, and we will not, perform any work subsequent to the date of this Pool AUP Letter nor to consider, monitor, communicate or report the impact of any events or circumstances which may occur or may come to light subsequent to the date of this Pool AUP Letter.

This Pool AUP Letter is not issued in accordance with the professional standards of the American Institute of Certified Public Accountants or the US Public Company Accounting Oversight Board. We will provide separately an executed Form ABS Due Diligence-15E, Certification of Provider of Third-Party Due Diligence Services for Asset-Backed Securities (“Form ABS Due Diligence-15E”), using the form made available by the US Securities and Exchange Commission (“SEC”), to which this Pool AUP Letter will be appended. The executed Form ABS Due Diligence-15E will be provided, without in any way or on any basis affecting or adding to or extending our duties and responsibilities to


JM/MD/MN/C01335		3

Document Classification - KPMG Confidential

KPMG LLP

Project Ripon

30 March 2017

you or giving rise to any duty or responsibility being accepted or assumed by or imposed on KPMG to any party except you, to facilitate your compliance with SEC Release No. 34-72936, Nationally Recognized Statistical Rating Organizations (the “SEC Release”), pursuant to which you are required to make publicly available the findings and conclusions of any third-party due diligence report obtained. This Pool AUP Letter alone is not to be relied on in the United States and we accept no responsibility for any use that you may make of this Pool AUP Letter alone in the United States.

The requirement to make publicly available findings and conclusions includes disclosure of the criteria against which loans were evaluated, and how the evaluated loans compared to those criteria, along with the basis for including any loans not meeting those criteria. This is accomplished by including such information, which will include this Pool AUP Letter, in Form ABS-15G, Asset-Backed Securitizer Report Pursuant to Section 15G of the Securities Exchange Act of 1934 (“Form ABS 15G”), which is required to be furnished by the Issuer or underwriter to the SEC through the Electronic Data Gathering, Analysis, and Retrieval (“XXXXX”) system.

The Issuer, sponsor or underwriter of an asset–backed securitisation is required to maintain a website (the “Rule 17g-5 website”) pursuant to paragraph (a)(3) of Rule 17g-5 of the US Code of Federal Regulations (17 CFR 240.17g-5). The SEC Release requires any NRSRO producing a credit rating to which “third party due diligence services” relate, to publish with its rating any executed Form ABS Due Diligence-15E containing information about the relevant security or money market instrument that the NRSRO receives or obtains through a Rule 17g-5 website. The agreed upon procedures performed by KPMG on which this Pool AUP Letter reports amount to “third party due diligence services” as defined in the SEC Release.

To facilitate a relevant NRSRO meeting this publication obligation, we are required to furnish any executed Form ABS Due Diligence-15E to any such NRSRO. As envisaged by the SEC Release, we will do so by providing the prescribed form to the Issuer, sponsor, or underwriter of the securitisation that maintains the Rule 17g-5 website, or to any NRSRO that requests it. In addition, the SEC Release requires that an NRSRO producing a credit rating publicly disclose each prescribed form that was posted to the Rule 17g-5 website. Such information may therefore be posted on the website of any relevant NRSRO.

Any such publicity shall take place, without in any way or on any basis affecting or adding to or extending our duties and responsibilities to you or giving rise to any duty or responsibility being accepted or assumed by or imposed on KPMG to any party except you, to facilitate your compliance with the SEC Release. Accordingly, any party (including rating agencies and investors) obtaining access to this Pool AUP Letter as appended to the executed Form ABS Due Diligence-15E or separately is not authorised by KPMG to use or rely upon the Pool AUP Letter, any such use or reliance shall take place at the relevant party’s own risk and, to the fullest extent permitted by law, we will have no responsibility and will deny any liability to any such party.”

Yours faithfully

KPMG LLP


JM/MD/MN/C01335		4

Document Classification - KPMG Confidential

KPMG Appendix A - Results


Pool Information
Pool Name		Project Ripon
Cut Off Date		30 Sept 2016
Sample Size		457
Date of AUP		Commencing 7 November 2016


Files
No Error			333
Error			111
Missing			11
Missing and error			2

Total			457


			Account number - IT system			Borrower names - IT system			Borrower names - Application Form			Borrower names - Loan Offer			Borrower names - Valuation Report			Borrower names - COT, Registered Legal Charge			Borrower names - Borrower’s proof of ID			Security address/ postcode - IT system			Security address/ postcode - Loan Offer			Security address/ postcode - Valuation Report			Security address/ postcode - COT, Legal Charge or Deed			Security address/ postcode - Geographic Region			Property type - IT system			Property type - Valuation Report			Property tenure - IT system			Property tenure - Registered Legal Charge			Origination date - IT system			Origination date - COT, Registered Legal Charge			Amount advanced - IT system			Amount advanced - Loan Offer			Amount advanced - Certificate of Title			Loan Product Type - IT system			Loan maturity date - IT system			Loan maturity date - Loan Offer
				1.1			2.1			2.2			2.3			2.4			2.5			2.6			3.1			3.2			3.3			3.4			3.5			4.1			4.2			5.1			5.2			6.1			6.2			7.1			7.2			7.3			8.1			9.1			9.2

		Number of Files		457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457
		Errors		0			0			0			0			0			0			1			0			1			2			1			0			0			84			0			10			0			0			0			2			0			0			0			0
		Missing		0			0			5			6			0			1			11			0			6			4			1			0			0			4			0			0			0			1			0			6			0			0			0			6
		Total		0			0			5			6			0			1			12			0			7			6			2			0			0			88			0			10			0			1			0			8			0			0			0			6
		Error Stats		1.00	%		1.00	%		2.84	%		3.15	%		1.00	%		1.44	%		4.93	%		1.00	%		3.46	%		3.15	%		1.82	%		1.00	%		1.00	%		23.91	%		1.00	%		4.35	%		1.00	%		1.44	%		1.00	%		3.76	%		1.00	%		1.00	%		1.00	%		3.15	%
		Excl. Missing Data
		Number of Files		457			457			452			451			457			456			446			457			451			453			456			457			457			453			457			457			457			456			457			451			457			457			457			451
		Errors		0			0			0			0			0			0			1			0			1			2			1			0			0			84			0			10			0			0			0			2			0			0			0			0
		Error Stats		1.00	%		1.00	%		1.01	%		1.01	%		1.00	%		1.00	%		1.48	%		1.00	%		1.46	%		1.84	%		1.44	%		1.00	%		1.00	%		23.16	%		1.00	%		4.35	%		1.00	%		1.00	%		1.00	%		1.85	%		1.00	%		1.00	%		1.00	%		1.01	%

KPMG Ref	Loan ID	Status
4		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
7		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
8		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
12		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
18		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
22		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
23		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
30		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
33		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
36		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
48		Missing		-			-			-			-			-			-			M			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
50		Missing		-			-			-			-			-			-			M			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
59		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
60		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
65		Error		-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
68		Error		-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-			-			-			-			-
71		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-
75		Missing and Error		-			-			-			-			-			-			M			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
78		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
82		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
86		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
91		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
100		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
101		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
104		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
106		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
109		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
116		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
117		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
121		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-
123		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
125		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
132		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
134		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
136		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
138		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
139		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
146		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
150		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-
152		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
155		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
168		Missing and Error		-			-			M			M			-			-			M			-			M			-			-			-			-			-			-			E			-			-			-			M			-			-			-			M
173		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
179		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
180		Error		-			-			-			-			-			-			-			-			-			-			E			-			-			E			-			-			-			-			-			-			-			-			-			-
190		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
192		Missing		-			-			-			-			-			-			M			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
194		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
195		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
199		Error		-			-			-			-			-			-			-			-			E			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
202		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
210		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
214		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-

KPMG Appendix A - Results


Pool Information
Pool Name		Project Ripon
Cut Off Date		30 Sept 2016
Sample Size		457
Date of AUP		Commencing 7 November 2016


Files
No Error			333
Error			111
Missing			11
Missing and error			2

Total			457


			Account number - IT system			Borrower names - IT system			Borrower names - Application Form			Borrower names - Loan Offer			Borrower names - Valuation Report			Borrower names - COT, Registered Legal Charge			Borrower names - Borrower’s proof of ID			Security address/ postcode - IT system			Security address/ postcode - Loan Offer			Security address/ postcode - Valuation Report			Security address/ postcode - COT, Legal Charge or Deed			Security address/ postcode - Geographic Region			Property type - IT system			Property type - Valuation Report			Property tenure - IT system			Property tenure - Registered Legal Charge			Origination date - IT system			Origination date - COT, Registered Legal Charge			Amount advanced - IT system			Amount advanced - Loan Offer			Amount advanced - Certificate of Title			Loan Product Type - IT system			Loan maturity date - IT system			Loan maturity date - Loan Offer
				1.1			2.1			2.2			2.3			2.4			2.5			2.6			3.1			3.2			3.3			3.4			3.5			4.1			4.2			5.1			5.2			6.1			6.2			7.1			7.2			7.3			8.1			9.1			9.2

		Number of Files		457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457
		Errors		0			0			0			0			0			0			1			0			1			2			1			0			0			84			0			10			0			0			0			2			0			0			0			0
		Missing		0			0			5			6			0			1			11			0			6			4			1			0			0			4			0			0			0			1			0			6			0			0			0			6
		Total		0			0			5			6			0			1			12			0			7			6			2			0			0			88			0			10			0			1			0			8			0			0			0			6
		Error Stats		1.00	%		1.00	%		2.84	%		3.15	%		1.00	%		1.44	%		4.93	%		1.00	%		3.46	%		3.15	%		1.82	%		1.00	%		1.00	%		23.91	%		1.00	%		4.35	%		1.00	%		1.44	%		1.00	%		3.76	%		1.00	%		1.00	%		1.00	%		3.15	%
		Excl. Missing Data
		Number of Files		457			457			452			451			457			456			446			457			451			453			456			457			457			453			457			457			457			456			457			451			457			457			457			451
		Errors		0			0			0			0			0			0			1			0			1			2			1			0			0			84			0			10			0			0			0			2			0			0			0			0
		Error Stats		1.00	%		1.00	%		1.01	%		1.01	%		1.00	%		1.00	%		1.48	%		1.00	%		1.46	%		1.84	%		1.44	%		1.00	%		1.00	%		23.16	%		1.00	%		4.35	%		1.00	%		1.00	%		1.00	%		1.85	%		1.00	%		1.00	%		1.00	%		1.01	%

KPMG Ref	Loan ID	Status
218		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
219		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
221		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
222		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-
224		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
227		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-
232		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
238		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
245		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
251		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
260		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
261		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
263		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
267		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
269		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
270		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
273		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-
274		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
275		Missing		-			-			-			-			-			-			M			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
277		Missing		-			-			M			M			-			-			-			-			M			M			-			-			-			M			-			-			-			-			-			M			-			-			-			M
280		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
290		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
292		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
297		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
306		Missing		-			-			M			M			-			M			M			-			M			M			M			-			-			M			-			-			-			M			-			M			-			-			-			M
311		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
316		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-
317		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
322		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
325		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-
326		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-
330		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
331		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
333		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
339		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
340		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
341		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
348		Error		-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-			-			-			-			-
357		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
359		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
362		Missing		-			-			M			M			-			-			M			-			M			M			-			-			-			M			-			-			-			-			-			M			-			-			-			M
370		Missing		-			-			-			-			-			-			M			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
371		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
385		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
386		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
393		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
394		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
397		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
398		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
412		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
414		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-
415		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
419		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-

KPMG Appendix A - Results


Pool Information
Pool Name		Project Ripon
Cut Off Date		30 Sept 2016
Sample Size		457
Date of AUP		Commencing 7 November 2016


Files
No Error			333
Error			111
Missing			11
Missing and error			2

Total			457


			Account number - IT system			Borrower names - IT system			Borrower names - Application Form			Borrower names - Loan Offer			Borrower names - Valuation Report			Borrower names - COT, Registered Legal Charge			Borrower names - Borrower’s proof of ID			Security address/ postcode - IT system			Security address/ postcode - Loan Offer			Security address/ postcode - Valuation Report			Security address/ postcode - COT, Legal Charge or Deed			Security address/ postcode - Geographic Region			Property type - IT system			Property type - Valuation Report			Property tenure - IT system			Property tenure - Registered Legal Charge			Origination date - IT system			Origination date - COT, Registered Legal Charge			Amount advanced - IT system			Amount advanced - Loan Offer			Amount advanced - Certificate of Title			Loan Product Type - IT system			Loan maturity date - IT system			Loan maturity date - Loan Offer
				1.1			2.1			2.2			2.3			2.4			2.5			2.6			3.1			3.2			3.3			3.4			3.5			4.1			4.2			5.1			5.2			6.1			6.2			7.1			7.2			7.3			8.1			9.1			9.2

		Number of Files		457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457
		Errors		0			0			0			0			0			0			1			0			1			2			1			0			0			84			0			10			0			0			0			2			0			0			0			0
		Missing		0			0			5			6			0			1			11			0			6			4			1			0			0			4			0			0			0			1			0			6			0			0			0			6
		Total		0			0			5			6			0			1			12			0			7			6			2			0			0			88			0			10			0			1			0			8			0			0			0			6
		Error Stats		1.00	%		1.00	%		2.84	%		3.15	%		1.00	%		1.44	%		4.93	%		1.00	%		3.46	%		3.15	%		1.82	%		1.00	%		1.00	%		23.91	%		1.00	%		4.35	%		1.00	%		1.44	%		1.00	%		3.76	%		1.00	%		1.00	%		1.00	%		3.15	%
		Excl. Missing Data
		Number of Files		457			457			452			451			457			456			446			457			451			453			456			457			457			453			457			457			457			456			457			451			457			457			457			451
		Errors		0			0			0			0			0			0			1			0			1			2			1			0			0			84			0			10			0			0			0			2			0			0			0			0
		Error Stats		1.00	%		1.00	%		1.01	%		1.01	%		1.00	%		1.00	%		1.48	%		1.00	%		1.46	%		1.84	%		1.44	%		1.00	%		1.00	%		23.16	%		1.00	%		4.35	%		1.00	%		1.00	%		1.00	%		1.85	%		1.00	%		1.00	%		1.00	%		1.01	%

KPMG Ref	Loan ID	Status
420		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
422		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			E			-			-			-			-			-			-			-			-
432		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
435		Missing		-			-			-			M			-			-			-			-			M			-			-			-			-			-			-			-			-			-			-			M			-			-			-			M
437		Missing		-			-			-			-			-			-			M			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
442		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
444		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
446		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-
447		Missing		-			-			M			M			-			-			M			-			M			M			-			-			-			M			-			-			-			-			-			M			-			-			-			M
449		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-

KPMG Appendix A - Results


Pool Information
Pool Name		Project Ripon
Cut Off Date		30 Sept 2016
Sample Size		457
Date of AUP		Commencing 7 November 2016


Files
No Error			333
Error			111
Missing			11
Missing and error			2

Total			457


			Interest rate - IT system			Interest rate - Loan Offer			Interest rate type - IT system			Interest rate type - Loan Offer			Interest Rate Index - IT system			Repayment type - IT system			Repayment type - Loan Offer			Product maturity date - IT system			Product maturity date - Loan Offer			Original valuation date - IT system			Original valuation date - Valuation Report			Original valuation amount - IT System			Original valuation amount - Valuation Report			Original valuation type - IT System			Latest valuation date - IT System			Latest valuation amount - IT System			Latest valuation type - IT System			Current Balance - IT System			Contractual Monthly Subscription (CMS) - IT System			Payment method - IT System			Overpayment and redraw available - IT System			Arrears Balance - IT System			Indexed LTV - IT System			Indexed Valuation - IT System
				10.1			10.2			11.1			11.2			12			13.1			13.2			14.1			14.2			15.1			15.2			16.1			16.2			17			18			19			20			21			22			23			24			25			26			27

		Number of Files		457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457
		Errors		0			0			0			0			0			0			0			0			0			0			16			0			0			0			0			0			0			0			0			0			0			0			0			0
		Missing		0			6			0			6			0			0			6			0			6			0			4			0			4			0			0			0			0			0			0			0			0			0			0			0
		Total		0			6			0			6			0			0			6			0			6			0			20			0			4			0			0			0			0			0			0			0			0			0			0			0
		Error Stats		1.00	%		3.15	%		1.00	%		3.15	%		1.00	%		1.00	%		3.15	%		1.00	%		3.15	%		1.00	%		7.13	%		1.00	%		2.51	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%
		Excl. Missing Data
		Number of Files		457			451			457			451			457			457			451			457			451			457			453			457			453			457			457			457			457			457			457			457			457			457			457			457
		Errors		0			0			0			0			0			0			0			0			0			0			16			0			0			0			0			0			0			0			0			0			0			0			0			0
		Error Stats		1.00	%		1.01	%		1.00	%		1.01	%		1.00	%		1.00	%		1.01	%		1.00	%		1.01	%		1.00	%		6.10	%		1.00	%		1.01	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%

KPMG Ref	Loan ID	Status
4		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
7		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
8		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
12		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
18		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
22		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
23		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
30		Error		-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-			-			-			-
33		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
36		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
48		Missing		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
50		Missing		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
59		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
60		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
65		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
68		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
71		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
75		Missing and Error		-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-			-			-			-
78		Error		-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-			-			-			-
82		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
86		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
91		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
100		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
101		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
104		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
106		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
109		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
116		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
117		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
121		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
123		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
125		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
132		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
134		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
136		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
138		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
139		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
146		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
150		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
152		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
155		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
168		Missing and Error		-			M			-			M			-			-			M			-			M			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
173		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
179		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
180		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
190		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
192		Missing		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
194		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
195		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
199		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
202		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
210		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
214		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-

KPMG Appendix A - Results


Pool Information
Pool Name		Project Ripon
Cut Off Date		30 Sept 2016
Sample Size		457
Date of AUP		Commencing 7 November 2016


Files
No Error			333
Error			111
Missing			11
Missing and error			2

Total			457


			Interest rate - IT system			Interest rate - Loan Offer			Interest rate type - IT system			Interest rate type - Loan Offer			Interest Rate Index - IT system			Repayment type - IT system			Repayment type - Loan Offer			Product maturity date - IT system			Product maturity date - Loan Offer			Original valuation date - IT system			Original valuation date - Valuation Report			Original valuation amount - IT System			Original valuation amount - Valuation Report			Original valuation type - IT System			Latest valuation date - IT System			Latest valuation amount - IT System			Latest valuation type - IT System			Current Balance - IT System			Contractual Monthly Subscription (CMS) - IT System			Payment method - IT System			Overpayment and redraw available - IT System			Arrears Balance - IT System			Indexed LTV - IT System			Indexed Valuation - IT System
				10.1			10.2			11.1			11.2			12			13.1			13.2			14.1			14.2			15.1			15.2			16.1			16.2			17			18			19			20			21			22			23			24			25			26			27

		Number of Files		457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457
		Errors		0			0			0			0			0			0			0			0			0			0			16			0			0			0			0			0			0			0			0			0			0			0			0			0
		Missing		0			6			0			6			0			0			6			0			6			0			4			0			4			0			0			0			0			0			0			0			0			0			0			0
		Total		0			6			0			6			0			0			6			0			6			0			20			0			4			0			0			0			0			0			0			0			0			0			0			0
		Error Stats		1.00	%		3.15	%		1.00	%		3.15	%		1.00	%		1.00	%		3.15	%		1.00	%		3.15	%		1.00	%		7.13	%		1.00	%		2.51	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%
		Excl. Missing Data
		Number of Files		457			451			457			451			457			457			451			457			451			457			453			457			453			457			457			457			457			457			457			457			457			457			457			457
		Errors		0			0			0			0			0			0			0			0			0			0			16			0			0			0			0			0			0			0			0			0			0			0			0			0
		Error Stats		1.00	%		1.01	%		1.00	%		1.01	%		1.00	%		1.00	%		1.01	%		1.00	%		1.01	%		1.00	%		6.10	%		1.00	%		1.01	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%

KPMG Ref	Loan ID	Status
218		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
219		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
221		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
222		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
224		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
227		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
232		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
238		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
245		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
251		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
260		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
261		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
263		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
267		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
269		Error		-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-			-			-			-
270		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
273		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
274		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
275		Missing		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
277		Missing		-			M			-			M			-			-			M			-			M			-			M			-			M			-			-			-			-			-			-			-			-			-			-			-
280		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
290		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
292		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
297		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
306		Missing		-			M			-			M			-			-			M			-			M			-			M			-			M			-			-			-			-			-			-			-			-			-			-			-
311		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
316		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
317		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
322		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
325		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
326		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
330		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
331		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
333		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
339		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
340		Error		-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-			-			-			-
341		Error		-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-			-			-			-
348		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
357		Error		-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-			-			-			-
359		Error		-			-			-			-			-			-			-			-			-			-			E			-			-			-			-			-			-			-			-			-			-			-			-			-
362		Missing		-			M			-			M			-			-			M			-			M			-			M			-			M			-			-			-			-			-			-			-			-			-			-			-
370		Missing		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
371		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
385		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
386		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
393		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
394		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
397		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
398		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
412		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
414		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
415		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
419		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-

KPMG Appendix A - Results


Pool Information
Pool Name		Project Ripon
Cut Off Date		30 Sept 2016
Sample Size		457
Date of AUP		Commencing 7 November 2016


Files
No Error			333
Error			111
Missing			11
Missing and error			2

Total			457


			Interest rate - IT system			Interest rate - Loan Offer			Interest rate type - IT system			Interest rate type - Loan Offer			Interest Rate Index - IT system			Repayment type - IT system			Repayment type - Loan Offer			Product maturity date - IT system			Product maturity date - Loan Offer			Original valuation date - IT system			Original valuation date - Valuation Report			Original valuation amount - IT System			Original valuation amount - Valuation Report			Original valuation type - IT System			Latest valuation date - IT System			Latest valuation amount - IT System			Latest valuation type - IT System			Current Balance - IT System			Contractual Monthly Subscription (CMS) - IT System			Payment method - IT System			Overpayment and redraw available - IT System			Arrears Balance - IT System			Indexed LTV - IT System			Indexed Valuation - IT System
				10.1			10.2			11.1			11.2			12			13.1			13.2			14.1			14.2			15.1			15.2			16.1			16.2			17			18			19			20			21			22			23			24			25			26			27

		Number of Files		457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457			457
		Errors		0			0			0			0			0			0			0			0			0			0			16			0			0			0			0			0			0			0			0			0			0			0			0			0
		Missing		0			6			0			6			0			0			6			0			6			0			4			0			4			0			0			0			0			0			0			0			0			0			0			0
		Total		0			6			0			6			0			0			6			0			6			0			20			0			4			0			0			0			0			0			0			0			0			0			0			0
		Error Stats		1.00	%		3.15	%		1.00	%		3.15	%		1.00	%		1.00	%		3.15	%		1.00	%		3.15	%		1.00	%		7.13	%		1.00	%		2.51	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%
		Excl. Missing Data
		Number of Files		457			451			457			451			457			457			451			457			451			457			453			457			453			457			457			457			457			457			457			457			457			457			457			457
		Errors		0			0			0			0			0			0			0			0			0			0			16			0			0			0			0			0			0			0			0			0			0			0			0			0
		Error Stats		1.00	%		1.01	%		1.00	%		1.01	%		1.00	%		1.00	%		1.01	%		1.00	%		1.01	%		1.00	%		6.10	%		1.00	%		1.01	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%

KPMG Ref	Loan ID	Status
420		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
422		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
432		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
435		Missing		-			M			-			M			-			-			M			-			M			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
437		Missing		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
442		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
444		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
446		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-
447		Missing		-			M			-			M			-			-			M			-			M			-			M			-			M			-			-			-			-			-			-			-			-			-			-			-
449		Error		-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-			-

KPMG Appendix A - Results


Pool Information
Pool Name		Project Ripon
Cut Off Date		30 Sept 2016
Sample Size		457
Date of AUP		Commencing 7 November 2016


Files
No Error			333
Error			111
Missing			11
Missing and error			2

Total			457


			Rental Income - IT System			Rental Income - Valuation Report			First charge status Land Registry Search -			Prior Bankruptcy - Credit Reference Agency Data File			Total Number of Satisfied CCJ - Credit Reference Agency Data File			Total Value of Satisfied CCJ - IT System			Months in arrears - IT System			Correspondence address - IT System			Document signatures - Application Form			Document signatures - Valuation Report			Document signatures - COT, Record of Title or Deed
				28.1			28.2			29			30			31			32			33			34			35.1			35.2			35.3

																																				Total
		Number of Files		457			457			457			457			457			457			457			457			457			457			457			457
		Errors		0			3			0			0			0			0			0			0			0			5			3			128
		Missing		0			4			0			0			0			0			0			0			5			4			1			97
		Total		0			7			0			0			0			0			0			0			5			9			4
		Error Stats		1.00	%		3.46	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		2.84	%		4.06	%		2.51	%
		Excl. Missing Data
		Number of Files		457			453			457			457			457			457			457			457			452			453			456
		Errors		0			3			0			0			0			0			0			0			0			5			3
		Error Stats		1.00	%		2.20	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.01	%		2.86	%		2.18	%

KPMG Ref	Loan ID	Status																																		Error		Missing
4		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
7		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
8		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
12		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
18		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
22		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
23		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
30		Error		-			-			-			-			-			-			-			-			-			E			-			2		0
33		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
36		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
48		Missing		-			-			-			-			-			-			-			-			-			-			-			0		1
50		Missing		-			-			-			-			-			-			-			-			-			-			-			0		1
59		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
60		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
65		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
68		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
71		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
75		Missing and Error		-			E			-			-			-			-			-			-			-			E			-			3		1
78		Error		-			-			-			-			-			-			-			-			-			-			-			2		0
82		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
86		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
91		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
100		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
101		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
104		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
106		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
109		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
116		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
117		Error		-			-			-			-			-			-			-			-			-			-			E			2		0
121		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
123		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
125		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
132		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
134		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
136		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
138		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
139		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
146		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
150		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
152		Error		-			-			-			-			-			-			-			-			-			-			E			1		0
155		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
168		Missing and Error		-			-			-			-			-			-			-			-			M			-			-			1		11
173		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
179		Error		-			-			-			-			-			-			-			-			-			-			E			1		0
180		Error		-			-			-			-			-			-			-			-			-			-			-			2		0
190		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
192		Missing		-			-			-			-			-			-			-			-			-			-			-			0		1
194		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
195		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
199		Error		-			-			-			-			-			-			-			-			-			-			-			2		0
202		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
210		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
214		Error		-			-			-			-			-			-			-			-			-			-			-			1		0

KPMG Appendix A - Results


Pool Information
Pool Name		Project Ripon
Cut Off Date		30 Sept 2016
Sample Size		457
Date of AUP		Commencing 7 November 2016


Files
No Error			333
Error			111
Missing			11
Missing and error			2

Total			457


			Rental Income - IT System			Rental Income - Valuation Report			First charge status Land Registry Search -			Prior Bankruptcy - Credit Reference Agency Data File			Total Number of Satisfied CCJ - Credit Reference Agency Data File			Total Value of Satisfied CCJ - IT System			Months in arrears - IT System			Correspondence address - IT System			Document signatures - Application Form			Document signatures - Valuation Report			Document signatures - COT, Record of Title or Deed
				28.1			28.2			29			30			31			32			33			34			35.1			35.2			35.3

																																				Total
		Number of Files		457			457			457			457			457			457			457			457			457			457			457			457
		Errors		0			3			0			0			0			0			0			0			0			5			3			128
		Missing		0			4			0			0			0			0			0			0			5			4			1			97
		Total		0			7			0			0			0			0			0			0			5			9			4
		Error Stats		1.00	%		3.46	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		2.84	%		4.06	%		2.51	%
		Excl. Missing Data
		Number of Files		457			453			457			457			457			457			457			457			452			453			456
		Errors		0			3			0			0			0			0			0			0			0			5			3
		Error Stats		1.00	%		2.20	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.01	%		2.86	%		2.18	%

KPMG Ref	Loan ID	Status																																		Error		Missing
218		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
219		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
221		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
222		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
224		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
227		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
232		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
238		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
245		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
251		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
260		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
261		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
263		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
267		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
269		Error		-			-			-			-			-			-			-			-			-			-			-			2		0
270		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
273		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
274		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
275		Missing		-			-			-			-			-			-			-			-			-			-			-			0		1
277		Missing		-			M			-			-			-			-			-			-			M			M			-			0		16
280		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
290		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
292		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
297		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
306		Missing		-			M			-			-			-			-			-			-			M			M			M			0		21
311		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
316		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
317		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
322		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
325		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
326		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
330		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
331		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
333		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
339		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
340		Error		-			-			-			-			-			-			-			-			-			-			-			2		0
341		Error		-			-			-			-			-			-			-			-			-			-			-			2		0
348		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
357		Error		-			E			-			-			-			-			-			-			-			E			-			3		0
359		Error		-			E			-			-			-			-			-			-			-			E			-			3		0
362		Missing		-			M			-			-			-			-			-			-			M			M			-			0		17
370		Missing		-			-			-			-			-			-			-			-			-			-			-			0		1
371		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
385		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
386		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
393		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
394		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
397		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
398		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
412		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
414		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
415		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
419		Error		-			-			-			-			-			-			-			-			-			-			-			1		0

KPMG Appendix A - Results


Pool Information
Pool Name		Project Ripon
Cut Off Date		30 Sept 2016
Sample Size		457
Date of AUP		Commencing 7 November 2016


Files
No Error			333
Error			111
Missing			11
Missing and error			2

Total			457


			Rental Income - IT System			Rental Income - Valuation Report			First charge status Land Registry Search -			Prior Bankruptcy - Credit Reference Agency Data File			Total Number of Satisfied CCJ - Credit Reference Agency Data File			Total Value of Satisfied CCJ - IT System			Months in arrears - IT System			Correspondence address - IT System			Document signatures - Application Form			Document signatures - Valuation Report			Document signatures - COT, Record of Title or Deed
				28.1			28.2			29			30			31			32			33			34			35.1			35.2			35.3

																																				Total
		Number of Files		457			457			457			457			457			457			457			457			457			457			457			457
		Errors		0			3			0			0			0			0			0			0			0			5			3			128
		Missing		0			4			0			0			0			0			0			0			5			4			1			97
		Total		0			7			0			0			0			0			0			0			5			9			4
		Error Stats		1.00	%		3.46	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		2.84	%		4.06	%		2.51	%
		Excl. Missing Data
		Number of Files		457			453			457			457			457			457			457			457			452			453			456
		Errors		0			3			0			0			0			0			0			0			0			5			3
		Error Stats		1.00	%		2.20	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.00	%		1.01	%		2.86	%		2.18	%

KPMG Ref	Loan ID	Status																																		Error		Missing
420		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
422		Error		-			-			-			-			-			-			-			-			-			-			-			2		0
432		Error		-			-			-			-			-			-			-			-			-			E			-			1		0
435		Missing		-			-			-			-			-			-			-			-			-			-			-			0		8
437		Missing		-			-			-			-			-			-			-			-			-			-			-			0		1
442		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
444		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
446		Error		-			-			-			-			-			-			-			-			-			-			-			1		0
447		Missing		-			M			-			-			-			-			-			-			M			M			-			0		17
449		Error		-			-			-			-			-			-			-			-			-			-			-			1		0

KPMG Appendix B - Errors

KPMG Ref

Loan ID

Test Nbr

Data Field

Data Source

Error

Extraction File

Per Documentation

Test 2.6

Borrower names

Xxxxxxxx’s proof of ID

Did not match

199

Test 3.2

Security address/postcode

Loan Offer

Did not match

Test 3.3

Security address/postcode

Valuation Report

Did not match

348

Test 3.3

Security address/postcode

Valuation Report

Did not match

180

Test 3.4

Security address/postcode

COT, Legal Charge or Deed

Postcode missing

Test 4.2

Property type

Valuation Report

Terraced House

Maisonette

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced House

Test 4.2

Property type

Valuation Report

Semi Detached House

Flat

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced House

Test 4.2

Property type

Valuation Report

Terraced House

Flat

Test 4.2

Property type

Valuation Report

Terraced House

Flat

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced House

Test 4.2

Property type

Valuation Report

Terraced House

Flat

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced House

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced House

Test 4.2

Property type

Valuation Report

Bungalow

Maisonette

Test 4.2

Property type

Valuation Report

Terraced House

Maisonette

Test 4.2

Property type

Valuation Report

Terraced House

Maisonette

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

100

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

101

Test 4.2

Property type

Valuation Report

Terraced House

Flat

104

Test 4.2

Property type

Valuation Report

Terraced House

Flat

106

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced House

109

Test 4.2

Property type

Valuation Report

Terraced House

Flat

116

Test 4.2

Property type

Valuation Report

Terraced House

Maisonette

117

Test 4.2

Property type

Valuation Report

Terraced House

Flat

123

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

125

Test 4.2

Property type

Valuation Report

Terraced House

Flat

132

Test 4.2

Property type

Valuation Report

Terraced House

Semi-detached House

134

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced house

136

Test 4.2

Property type

Valuation Report

Terraced House

Flat

138

Test 4.2

Property type

Valuation Report

Terraced House

Flat

139

Test 4.2

Property type

Valuation Report

Terraced House

Flat

146

Test 4.2

Property type

Valuation Report

Terraced House

Flat

155

Test 4.2

Property type

Valuation Report

Terraced House

Semi-detached House

173

Test 4.2

Property type

Valuation Report

Terraced House

Flat

180

Test 4.2

Property type

Valuation Report

Terraced House

Flat

190

Test 4.2

Property type

Valuation Report

Terraced House

Flat

194

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

195

Test 4.2

Property type

Valuation Report

Detached House

Terraced House

199

Test 4.2

Property type

Valuation Report

Terraced House

Flat

202

Test 4.2

Property type

Valuation Report

Terraced House

Maisonette

KPMG Appendix B - Errors

KPMG Ref

Loan ID

Test Nbr

Data Field

Data Source

Error

Extraction File

Per Documentation

210

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced House

214

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

218

Test 4.2

Property type

Valuation Report

Terraced House

Flat

219

Test 4.2

Property type

Valuation Report

Terraced House

Flat

221

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced House

224

Test 4.2

Property type

Valuation Report

Terraced House

Flat

232

Test 4.2

Property type

Valuation Report

Terraced House

Flat

238

Test 4.2

Property type

Valuation Report

Terraced House

Semi-detached House

245

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

251

Test 4.2

Property type

Valuation Report

Terraced House

Flat

260

Test 4.2

Property type

Valuation Report

Terraced House

Flat

261

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

263

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

267

Test 4.2

Property type

Valuation Report

Terraced House

Maisonette

269

Test 4.2

Property type

Valuation Report

Terraced House

Flat

270

Test 4.2

Property type

Valuation Report

Terraced House

Flat

274

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced House

280

Test 4.2

Property type

Valuation Report

Terraced House

Flat

290

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

292

Test 4.2

Property type

Valuation Report

Terraced House

Maisonette

297

Test 4.2

Property type

Valuation Report

Detached House

Terraced House

311

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

317

Test 4.2

Property type

Valuation Report

Terraced House

Flat

322

Test 4.2

Property type

Valuation Report

Terraced House

Flat

330

Test 4.2

Property type

Valuation Report

Terraced House

Flat

331

Test 4.2

Property type

Valuation Report

Terraced House

Maisonette

333

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced House

339

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced House

340

Test 4.2

Property type

Valuation Report

Terraced House

Flat

341

Test 4.2

Property type

Valuation Report

Flat or Apartment

Terraced House

371

Test 4.2

Property type

Valuation Report

Terraced House

Maisonette

385

Test 4.2

Property type

Valuation Report

Semi Comm or Professional

Maisonette

386

Test 4.2

Property type

Valuation Report

Terraced House

Maisonette

393

Test 4.2

Property type

Valuation Report

Terraced House

Flat

394

Test 4.2

Property type

Valuation Report

Terraced House

Semi-detached House

397

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

398

Test 4.2

Property type

Valuation Report

Terraced House

Flat

412

Test 4.2

Property type

Valuation Report

Terraced House

Maisonette

415

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

419

Test 4.2

Property type

Valuation Report

Semi Detached House

Terraced House

420

Test 4.2

Property type

Valuation Report

Terraced House

Maisonette

422

Test 4.2

Property type

Valuation Report

Flat or Apartment

Terraced House

442

Test 4.2

Property type

Valuation Report

Flat or Apartment

Terraced House

444

Test 4.2

Property type

Valuation Report

Terraced House

Flat

446

Test 4.2

Property type

Valuation Report

Bungalow

Terraced House

449

Test 4.2

Property type

Valuation Report

Terraced House

Semi-detached House

Test 5.2

Property tenure

Registered Legal Charge

Leasehold

Freehold

KPMG Appendix B - Errors

KPMG Ref

Loan ID

Test Nbr

Data Field

Data Source

Error

Extraction File

Per Documentation

121

Test 5.2

Property tenure

Registered Legal Charge

Leasehold

Freehold

168

Test 5.2

Property tenure

Registered Legal Charge

Leasehold

Freehold

222

Test 5.2

Property tenure

Registered Legal Charge

Freehold

Leasehold

273

Test 5.2

Property tenure

Registered Legal Charge

Freehold

Leasehold

316

Test 5.2

Property tenure

Registered Legal Charge

Freehold

Leasehold

325

Test 5.2

Property tenure

Registered Legal Charge

Freehold

Leasehold

326

Test 5.2

Property tenure

Registered Legal Charge

Freehold

Leasehold

414

Test 5.2

Property tenure

Registered Legal Charge

Freehold

Leasehold

422

Test 5.2

Property tenure

Registered Legal Charge

Leasehold

Freehold

150

Test 7.2

Amount advanced

Loan Offer

£150,999

£139,199

227

Test 7.2

Amount advanced

Loan Offer

£206,545

£183,332

Test 15.2

Original valuation date

Valuation Report

05/06/2008

No Date

Test 15.2

Original valuation date

Valuation Report

07/05/2003

25/06/2002

Test 15.2

Original valuation date

Valuation Report

28/09/2004

16/08/2002

Test 15.2

Original valuation date

Valuation Report

01/05/2008

01/01/1900

Test 15.2

Original valuation date

Valuation Report

30/09/2003

25/06/2001

Test 15.2

Original valuation date

Valuation Report

17/11/2004

18/10/2002

142

Test 15.2

Original valuation date

Valuation Report

11/03/2004

17/07/2002

269

Test 15.2

Original valuation date

Valuation Report

27/01/2005

27/05/1999

288

Test 15.2

Original valuation date

Valuation Report

13/04/2005

22/03/2006

321

Test 15.2

Original valuation date

Valuation Report

17/02/2000

25/11/1998

340

Test 15.2

Original valuation date

Valuation Report

14/09/2004

12/05/2000

341

Test 15.2

Original valuation date

Valuation Report

03/05/2006

02/11/2006

357

Test 15.2

Original valuation date

Valuation Report

18/06/2008

No Date

359

Test 15.2

Original valuation date

Valuation Report

23/11/2007

No Date

399

Test 15.2

Original valuation date

Valuation Report

09/08/2000

08/08/2006

416

Test 15.2

Original valuation date

Valuation Report

05/05/2005

19/06/2003

Test 28.2

Rental Income

Valuation Report

£575

No information

357

Test 28.2

Rental Income

Valuation Report

£575

No information

359

Test 28.2

Rental Income

Valuation Report

£1,400

No information

Test 35.2

Document signatures

Valuation Report

Missing Signature

Test 35.2

Document signatures

Valuation Report

Missing Signature

357

Test 35.2

Document signatures

Valuation Report

Missing Signature

359

Test 35.2

Document signatures

Valuation Report

Missing Signature

432

Test 35.2

Document signatures

Valuation Report

Missing Signature

117

Test 35.3

Document signatures

COT, Record of Title or Deed

Missing Signature

152

Test 35.3

Document signatures

COT, Record of Title or Deed

Missing Signature

179

Test 35.3

Document signatures

COT, Record of Title or Deed

Missing Signature

KPMG LLP

Project Ripon

30 March 2017

Appendix C: Work Programme

We carried out the following agreed procedures for various data attributes relating to a sample of buy-to-let mortgage loans drawn from the portfolio as set out below and report our findings.

The procedures used to perform our work do not constitute an audit or review made in accordance with any generally accepted auditing or review standards and, as such, no assurance has been expressed. We further draw attention to the fact that the scope of our work is limited, in nature and extent, and, as such does not necessarily reveal all errors or irregularities that may exist outside the scope of the Services. Had we been engaged to perform and did perform additional procedures, other matters might come to light that would be reported. We do not make any representation regarding the sufficiency of the procedures for your purposes.

Our agreed upon procedures have been performed having regard to International Standard on Related Services 4400, published by the International Auditing and Assurance Standards Board.

The Vendor has made available to us all relevant methodologies, assumptions, information and documentation in relation to which our procedures have been performed. We bear no responsibility whatsoever for the scope, accuracy or sufficiency of such information and documentation provided to us.

We are responsible for performing the procedures set out below and reporting our findings.

Sampling approach

Sampling is a process of examining less than the total number of items in a population in order to reach a conclusion about that population. Sampling techniques inherently assume that the sample is representative of the population as a whole. In this engagement, for the data verification AUPs, the Vendor has asked us to assume that the estimated error rate in the underlying population is zero and to express the results of our work at a level of 99% confidence and with 1% precision if no errors are discovered. The Vendor has requested that we calculate the sample size necessary to provide 99% confidence with 1% precision on the basis that error rates in the data attributes are hypergeometrically distributed. We make no representations regarding the use of, or assumptions underlying the sampling techniques.


JM/MD/MN/C01335		5

Document Classification - KPMG Confidential

KPMG LLP

Project Ripon

30 March 2017

Findings

Where an individual mortgage loan fails a procedure in relation to a data attribute, this has been classified as one error. Where a source document cannot be located, this missing information has been treated in two alternative ways: (i) classed as an error on each test; and (ii) deducted from the sample so the total number of files reviewed is reduced. There are some cases where the file is not required to carry out the test. In these cases the tests were carried out on all files.

Where a procedure specifies agreement to specific documentation, written evidence of amendments or additions contained in the loan file has been assumed to supersede the original documentation.

In comparing data attributes between the data tape and the specified source documentation and classing a difference as an error, the Vendor has specified that the tolerance levels set out below apply.

Data Verification Procedures


*Test* No	*Data attribute*	*Loan file* *source* *documentation*	*Procedure*	*Tolerance/Definition of* *error*
1.1	Account Number	IT System	For each item in the Sample, we have checked whether the Account Number in the Mortgage Extraction File agrees with the Originator’s IT System	Account Number did not agree with the Originator’s IT System.

2.1	Borrower Names	IT System	For each item in the Sample, we have checked whether each Borrower Name in the Mortgage Extraction File agrees with the Originator’s IT System	Borrower Name did not agree with the Originator’s IT System.

2.2	Borrower Names	Application Form	For each item in the Sample, we have checked whether each Borrower Name in the Mortgage Extraction File agrees with the Application Form	Borrower Name did not agree with the Application Form, subject to evidence being provided confirming a death of a borrower, a change of party or name change to the account.

2.3	Borrower Names	Loan Offer	For each item in the Sample, we have checked whether each Borrower Name in the Mortgage Extraction File agrees with the Loan Offer	Borrower Name did not agree with the Loan Offer, subject to evidence being provided confirming a change of party, name change to the account or the death of a borrower.

2.4	Borrower Names	Certificate of Title, Registered Legal Charge	For each item in the Sample, we have checked whether each Borrower Name in the Mortgage Extraction File agrees to either the Certificate of Title or Registered Legal Charge	Borrower Name did not agree with either the Certificate of Title or Registered Legal Charge, subject to evidence being provided


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Document Classification - KPMG Confidential

KPMG LLP

Project Ripon

30 March 2017


				confirming a change of party, name change to the account or the death of a borrower.

2.5	Borrower Names	Borrower’s Proof of ID	For each item in the Sample, we have checked whether each Borrower Name in the Mortgage Extraction File agrees with the Borrower’s Proof of ID	Borrower Name did not agree with the Borrower’s Proof of ID We have not recorded an error where an online application form was used and a customer verification from is provided or system notes confirming Borrower ID checks have been carried out or the borrower is an existing customer or a proof of change in name is provided.

3.1	Security Address/Postcode	IT System	For each item in the Sample, we have checked whether the Security Address in the Mortgage Extraction File agrees with the Originator’s IT System	Security Address did not substantially agree with the Originator’s IT System. Security Address did not substantially agree with the Originator’s IT System.

3.2	Security Address/Postcode	Loan Offer	For each item in the Sample, we have checked whether the Security Address in the Mortgage Extraction File agrees with the Loan Offer Security Address	Security Address did not substantially agree with the Loan Offer. We have not recorded an error where the outcode portion of the Postcode agrees, but the incode does not.

3.3	Security Address/Postcode	Valuation Report	For each item in the Sample, we have checked whether the Security Address in the Mortgage Extraction File agrees with the Valuation Report	Security Address did not substantially agree with the Valuation Report. We have not recorded an error where the outcode portion of the Postcode agrees, but the incode does not.

3.4	Security Address/Postcode	Certificate of Title, Registered Legal Charge or Mortgage Deed	For each item in the Sample, we have checked whether the Security Address in the Mortgage Extraction File agrees with either the Certificate of Title, Registered Legal Charge or Mortgage Deed	Security Address did not substantially agree with either the Certificate of Title, Registered Legal Charge or Mortgage Deed We have not recorded an error where the outcode portion of the Postcode agrees, but the incode does not.


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Document Classification - KPMG Confidential

KPMG LLP

Project Ripon

30 March 2017



3.5	Security Address/Postcode	Geographic Region	For each item in the Sample, we have checked whether the Security Address in the Mortgage Extraction File is confirmed to be in either England or Wales	Security Address is not in England or Wales.

4.1	Property Type	IT System	For each item in the Sample, we have checked whether the Property Type in the Mortgage Extraction File agrees with the Originator’s IT system	Property Type did not agree with the Originator’s IT system. For clarity, property type ‘House’ was taken to include ‘semi-detached’, ‘detached’, ‘terraced’, ‘bungalow’ and ‘cottage’, whereas a property type of ‘Flat’ or ‘Apartment’ was taken to include ‘maisonette’.

4.2	Property Type	Valuation Report	For each item in the Sample, we have checked whether the Property Type in the Mortgage Extraction File agrees with the Valuation Report, This excluded loans described as ‘Other’ or ‘Unknown’ Property Types in the Extraction File	Property Type did not agree with the Valuation Report. For clarity, property type ‘House’ was taken to include ‘semi-detached’, ‘detached’, ‘terraced’, ‘bungalow’ and ‘cottage’, whereas a property type of ‘Flat’ or ‘Apartment’ was taken to include ‘maisonette’.

5.1	Property Tenure	IT System	For each item in the Sample, we have checked whether the Property Tenure in the Mortgage Extraction File agrees with the Originator’s IT system	Property Tenure did not agree with the Originator’s IT system.

5.2	Property Tenure	Registered Legal Charge	For each item in the Sample, we have checked whether the Property Tenure in the Mortgage Extraction File agrees with the Registered Legal Charge	Property Tenure did not agree with the Registered Legal Charge.

6.1	Origination Date	IT System	For each item in the Sample, we have checked whether the Origination Date in the Mortgage Extraction File agrees with the Originator’s IT system	Origination Date did not agree with the Originator’s IT System.

6.2	Origination Date	Certificate of Title, Registered Legal Charge	For each item in the Sample, we have checked whether the Origination Date in the Mortgage Extraction File agrees with either the Certificate of Title or Registered Legal Charge or Mortgage Deed	Origination Date did not agree with either the Certificate of Title, Registered Legal Charge or Mortgage Deed within a tolerance of +/- 2 months.


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Document Classification - KPMG Confidential

KPMG LLP

Project Ripon

30 March 2017



7.1	Amount Advanced	IT System	For each item in the Sample, we have checked whether the Amount Advanced in the Mortgage Extraction File agrees with the Originator’s IT System	Amount Advanced did not agree with the Originator’s IT System.

7.2	Amount Advanced	Loan Offer	For each item in the Sample, we have checked whether the Amount Advanced in the Mortgage Extraction File agrees with the Loan Offer Amount Advanced which is a combination of the loan amount, completion fees detailed in the Loan Offer and any further drawdowns and further advances verified to the IT System transaction history	Amount Advanced did not agree with the Loan Offer We have not recorded an error where it was evident that the item was a fee subaccount that had a nil balance.

8.1	Loan Product Type	IT System	For each item in the Sample, we have checked whether the Loan Product Type in the Mortgage Extraction File agrees Originator’s IT System	Loan Product Type did not agree with the in the Mortgage Extraction File agrees with the Originator’s IT System.

9.1	Loan Maturity Date	IT System	For each item in the Sample, we have checked whether the Loan Maturity Date in the Mortgage Extraction File agrees with the Originator’s IT System being the calculation of the ‘Term Start Date and the Current Term’	Loan Maturity Date did not agree with the Originator’s IT System.

9.2	Loan Maturity Date	Loan Offer	For each item in the Sample, we have checked whether the Loan Maturity Date (being the date of the Loan Offer + Term) in the Mortgage Extraction File agrees with the Loan Offer subject to evidence of term extensions being evidenced	Loan Maturity Date did not agree with the Loan Offer Subject to a tolerance of 16 weeks for delayed completions We have not recorded an error where it was evident that the item was a fee subaccount that had a nil term.

10.1	Interest Rate	IT System	For each item in the Sample, we have checked whether the Interest Rate in the Mortgage Extraction File agrees with the Originator’s IT System (External Rate Type)	Interest Rate did not agree with the Originator’s IT System.

10.2	Interest Rate	Loan Offer	For each item in the Sample, we have checked whether the Interest Rate in the Mortgage Extraction File agrees with the Loan Offer or the latest rate switch document	Interest Rate did not agree with the Loan Offer or the latest rate switch document.

11.1	Interest Rate Type	IT System	For each item in the Sample, we have checked whether the Interest Rate type in the Mortgage	Interest Rate Type did not agree with the Originator’s IT System where We have not


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Document Classification - KPMG Confidential

KPMG LLP

Project Ripon

30 March 2017


			Extraction File agrees with the Originator’s IT System	recorded an error where it was evident that the loan has been redeemed.

11.2	Interest Rate Type	Loan Offer	For each item in the Sample, we have checked whether the Interest Rate type in the Mortgage Extraction File agrees with the Loan Offer	Interest Rate Type did not agree with the Loan Offer.

12	Interest Rate Index	IT System	For each item in the Sample, we have checked whether the Interest Rate Index in the Mortgage Extraction File agrees with the Originator’s IT System	Interest Rate Index did not agree with the Originator’s IT System.

13.1	Repayment Type	IT System	For each item in the Sample, we have checked whether the Repayment Type in the Mortgage Extraction File agrees with the Originator’s IT System	Repayment Type did not agree with the Originator’s IT System.

13.2	Repayment Type	Loan Offer	For each item in the Sample, we have checked whether the Repayment Type in the Mortgage Extraction File agrees with the Loan Offer Repayment Type	Repayment Type did not agree with the Loan Offer We have not recorded an error where it was evident that there has been a Repayment Type conversion evidenced by a Variation Agreement or a Screen Transfer Document.

14.1	Product Maturity Date	IT System	For each item in the Sample, we have checked whether the Product Maturity Date in the Mortgage Extraction File agrees with the Originator’s IT System	Product Maturity Date did not agree with the Originator’s IT System. We have not recorded an error where the Product Maturity Date was before the Cut-off Date or where the Product Maturity Date has expired.

14.2	Product Maturity Date	Loan Offer	For each item in the Sample, we have checked Product Maturity Date agreed with the Loan Offer	Product Maturity Date in the Mortgage Extraction File agrees with the Loan Offer. We have not recorded an error where the Product Maturity Date was before the Cut-off date or where the Product Maturity Date has expired.

15.1	Original Valuation Date	IT System	For each item in the Sample, we have checked that the Original Valuation Date in the Mortgage Extraction File agrees with the Originator’s IT System	Original Valuation Date did not agree with the Originator’s IT System.


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Document Classification - KPMG Confidential

KPMG LLP

Project Ripon

30 March 2017



15.2	Original Valuation Date	Valuation Report	For each item in the Sample, we have checked that the Original Valuation Date in the Mortgage Extraction File agrees with the Valuation Report	Original Valuation Date did not agree with the Valuation Report within a tolerance of +/- 16 weeks

16.1	Original Valuation Amount	IT System	For each item in the Sample, we have checked that the Original Valuation Amount in the Mortgage Extraction File agrees with the IT System	Original Valuation amount did not agree with the IT System.

16.2	Original Valuation Amount	Valuation Report	For each item in the Sample, we have checked that the Original Valuation Amount in the Mortgage Extraction File agrees with the Valuation Report	Original Valuation Amount did not agree with the Valuation Report.

17	Original Valuation Type	IT System	For each item in the Sample, we have checked that the Original Valuation Type in the Mortgage Extraction File agrees with the IT System	Original Valuation Type did not agree with the IT System.

18	Latest Valuation Date	IT System	For each item in the Sample, we have checked that the Latest Valuation Date in the Mortgage Extraction File agrees with the Originator’s IT System	Latest Valuation Date did not agree with the Originator’s IT System.

19	Latest Valuation Amount	IT System	For each item in the Sample, we have checked that the Latest Valuation Amount in the Mortgage Extraction File agrees with the Originator’s IT System	Latest Valuation Amount did not agree with the Originator’s IT System.

20	Latest Valuation Type	IT System	For each item in the Sample, we have checked that the Latest Valuation Type in the Mortgage Extraction File agrees with the Originator’s IT System	Latest Valuation Type did not agree with the Originator’s IT System.

21	Current Balance	IT System	For each item in the Sample, we have checked that the Current Balance in the Mortgage Extraction File agrees with the Originator’s IT System	Current Balance did not agree with the Originator’s IT System.

22	Contractual Monthly Subscription (CMS)	IT System	For each item in the Sample, we have checked that the CMS in the Mortgage Extraction File agrees with the Originator’s IT System	CMS did not agree with the Originator’s IT System.

23	Payment Method	IT System	For each item in the Sample, we have checked that Payment Method in the Mortgage Extraction File agrees with the Originator’s IT System	Payment Method did not agree with the Originator’s IT System.

24	Overpayment and Redraw Available	IT System	For each item in the Sample, we have checked that the Overpayment and Redraw Available in the Mortgage	Overpayment and Redraw Available did not agree with the Originator’s IT System. Note that in cases where


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Document Classification - KPMG Confidential

KPMG LLP

Project Ripon

30 March 2017


			Extraction File agrees with the Originator’s IT System	the ‘choices’ feature on the account had not been activated, the Overpayment and Redraw Available Amount is shown as nil in the Extraction File and has not been counted as an error.

25	Arrears Balance	IT System	For each item in the Sample, we have checked that the Arrears Balance in the Mortgage Extraction File agrees with the Originator’s IT System	Arrears Balance did not agree with the Originator’s IT System within a tolerance of +/- 1%. Note that credit balances have been floored at zero at a unitary account level and have not been classed as an error.

26	Indexed LTV	IT System	For each item in the Sample, we have checked that the indexed LTV in the Mortgage Extraction File agrees with the Originator’s IT System	Indexed LTV did not agree with the Originator’s IT System.

27	Indexed Valuation	IT System	For each item in the Sample, we have checked that the Indexed Valuation in the Mortgage Extraction File agrees with the Originator’s IT System	Indexed Valuation did not agree with the Originator’s IT System.

28.1	Original Rental Income	Valuation	For each item in the Sample, we have checked that the Original Rental Income, where populated in the Extraction file to the Original Valuation Report or Tenancy Agreement	Original Rental Income in the Mortgage Extraction file did not agree with the Valuation Report or Tenancy Agreement within a tolerance of +/- £50.

29	First Charge Status Land Registry Search		For each item in the Sample, we have checked that a First Charge Status in the Mortgage Extraction File agrees to the Official Copy Entry from the Land Registry	The First Charge Status did not agree to the Official Copy Entry from the Land Registry. Note that if the Official Copy Entry from the Land Registry is unobtainable for those items that have redeemed after the Cut-Off Date we have not recorded an error where it was evident that the account had been redeemed after the Cut-off Date.


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KPMG LLP

Project Ripon

30 March 2017



30	Prior Bankruptcy	Credit Reference Agency Data File	For each item in the Sample, we have checked that the Prior Bankruptcy Flag in the Mortgage Extraction File agrees with the data received and extracted from the Credit Reference Agency (Equifax) monthly data extract	The accounts in the Mortgage Extraction File that have Bankruptcy indicators on the Mortgage Extraction File supplied by the Credit Reference Agency (Equifax) are reported as an error.

31.1	Total Number of Satisfied CCJ	Credit Reference Agency Data File	For each item in the Sample, we have checked that the Total Number of Satisfied CCJ’s in the Mortgage Extraction File agrees with the data received and extracted from the Credit Reference Agency (Equifax) monthly data extract	Total Satisfied CCJ Number in the Mortgage Extraction File does not agree to the data supplied by the Credit Reference Agency (Equifax)

31.2	Total Number of Unsatisfied CCJ	Credit Reference Agency Data File	For each item in the Sample, we have checked that the Total Number of Unsatisfied CCJ’s in the Mortgage Extraction File agrees with the data received and extracted from the Credit Reference Agency (Equifax) monthly data extract	Total Unsatisfied CCJ Number in the Mortgage Extraction File does not agree to the data supplied by the Credit Reference Agency (Equifax)

32.1	Total Value of Satisfied CCJ	IT System	For each item in the Sample, we have checked that the Total Value of Satisfied CCJ’s in the Mortgage Extraction File agrees with the data received and extracted from the Credit Reference Agency (Equifax) monthly data extract	Total Satisfied CCJ Value in the Mortgage Extraction File does not agree to the data supplied by the Credit Reference Agency (Equifax).

32.2	Total Value of Unsatisfied CCJ	IT System	For each item in the Sample, we have checked that the Total Value of Unsatisfied CCJ’s in the Mortgage Extraction File agrees with the data received and extracted from the Credit Reference Agency (Equifax) monthly data extract	Total Unsatisfied CCJ Value in the Mortgage Extraction File does not agree to the data supplied by the Credit Reference Agency (Equifax).

33	Months in Arrears	IT System	For each item in the Sample, we have checked that the Months in Arrears in the Mortgage Extraction File Months in arrears agrees with the Originator’s IT System	Mortgage Extraction File did not agree with the Originator’s IT System.

34	Correspondence Address	IT System	For each item in the Sample, we have checked that the Correspondence Address in the Mortgage Extraction File agrees with the Originator’s IT System	Correspondence Address did not agree with the Originator’s IT System


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Document Classification - KPMG Confidential

KPMG LLP

Project Ripon

30 March 2017



35.1	Document Signatures	Application Form	For each item in the Sample, we have checked whether the Application Form or Signature Summary for online applications is signed in the designated space	Application Form or Signature Summary has not been signed in the designated space

35.2	Document Signatures	Valuation Report	For each item in the Sample, we have checked whether the Valuation Report is signed in the designated space	Valuation Report has not been signed in the designated space. Note that instances of electronic signatures have not been counted as an error.

35.3	Document Signatures	Certificate of Title, Record of Title or Mortgage Deed	For each item in the Sample, we have checked whether the Certificate of Title, Record of Title or Mortgage Deed is signed in the designated space	Certificate of Title, Record of Title or Mortgage Deed has not been signed in the designated space


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KPMG LLP Financial Services 1 Sovereign Square Sovereign Street Leeds LS1 4DA United Kingdom Tel +44 (0) 113 231 3916 Fax +44 (0) 113 231 3200 john.midgley@kpmg.co.uk Private & confidential The Directors Ripon Mortgages PLC 35 Great St. Helen’s...

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