I have read and confirm that I understand the below *

Before you apply, we need to ask you some questions. Please read the following Payment Break criteria and follow the instructions. NOTE: If you feel you don’t meet these criteria we may still be able to help you – submit the form and one of our agents will call you to discuss your application. I confirm that: - This is a precautionary request[1] (my income has not reduced but I require a safety net) or it reflects a temporary reduction in my income which has occurred as a result of the current health crisis and I was not concerned about my ability to meet my repayments prior to COVID-19. - I am not in a forbearance arrangement with the Bank or, if I am, I have met all terms and conditions for a minimum of 12 months. - I was not in arrears prior to March 2020 on any mortgage account or other ALC Bank loan. - My mortgage loan was approved or drawn down prior to 17 March 2020. I am aware that: - The payment break means I will pay more interest over the life of my mortgage loan than would be the case if it was not put in place, resulting in an increased cost of credit. That is because I will make no repayments (capital or interest) during the payment break period, while interest will continue to apply to the mortgage. - My mortgage repayments will increase after the payment break, and that the mortgage term will not be extended (unless you and we have agreed a different arrangement). 1. I understand I will pay more interest so I should only apply for a payment break if I need one.

Yes

Is this a sole or joint account? *

Sole

Joint