Harvest Funding PLC: 24 April 2026

A stand-alone transaction, where the Portfolio comprises Owner-occupied and Buy-to-let loans which are secured over residential properties located in England, Wales, Northern Ireland and Scotland and were originated under the Birmingham Midshires and Bank of Scotland brands.

As of the Cut-off Date (31 December 2025) the portfolio consists of 18,700 Mortgage accounts (43,144 actual loans) with a current balance of £1,963,833,526.35. Loan Type: Owner-occupied – 85.80%, BTL – 14.10%. Redemption type: interest-only – 86.16%. WA Current LTV – 48.27% (original LTV was 78.96%) and the WA Seasoning is 18.51yrs. Arrears: >=6 Months – 11.35%, >=12 Months – 10.28%. Geographical distribution by percentage of Current Balance includes London – 24.12%, Southeast – 10.36%, Scotland – 9.88%, Northern Ireland – 9.42%.

EU & UK Risk Retention: On the Closing Date, Bank of Scotland plc will retain a material net economic interest of not less than 5% in the securitisation as required by Article 6(3)(a) of the UK Securitisation Regulation and Article 6(3)(a) of the EU Securitisation Regulation by holding an interest in each of the Classes of Notes sold to investors, represented in this case by the retention of at least 5% of each Class of Notes.

US Risk Retention: The Seller, as the "sponsor" under the US Credit Risk Retention Requirements, intends to satisfy the Requirements by acquiring and retaining on the Closing Date an eligible vertical interest (EVI) equal to 5% in the Issuer in the form of the VRR Loan Note.

STS: The Notes are not intended to be designated as a UK STS Securitisation or a EU STS Securitisation for the purposes of the UK Securitisation Framework or the EU Securitisation Regulation.

Compare/contrast: Pavillion Mortgages 2026-1, Elvet Mortgages 2026-1