ADRIAN EDWARDS LIMITED

HYUNDAI CAR FINANCE LIMITED

CHARGE OVER CASH DEPOSIT

LLOYDS TSB BANK PLC

AN OMNIBUS GUARANTEE AND SET-OFF AGREEMENT

Lloyds Tsb Bank PLC

Any sum standing to the credit of any one or more of any present or future accounts of the companies or any of them with the bank (including any accounts held in the bank's name with any designation which includes the name(s) of the companies or any of them) whether such accounts be denominated in sterling or in a currency or currencies other than sterling.

LLOYDS TSB BANK PLC

DEBENTURE DEED

Lloyds Tsb Bank PLC

Fixed and floating charges over the undertaking and all property and assets present and future including goodwill bookdebts uncalled capital buildings fixtures fixed plant and machinery.