EXECUTION VERSION ISSUE 2016-1 START-UP LOAN AGREEMENT DATED 26 MAY 2016 HOLMES FUNDING LIMITEDas Funding andSANTANDER UK PLCas Issue 2016-1 Start-up Loan Provider andTHE BANK OF NEW YORK MELLON, ACTING THROUGH ITS LONDON BRANCHas Security Trustee
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