FSC DIRECT LIMITED

Optimum Sme Finance Limited

‘1. by way of fixed charge:. (I) all freehold and leasehold land and buildings of the company both present and future and all trade fixtures and fittings and all plant and machinery from time to time in or on any such land or buildings ; and. (Ii) all intellectual property now owned or at any time hereafter to be owned by the company.. For more details please refer to the instrument.’.

BIBBY FINANCIAL SERVICES LIMITED (AS SECURITY TRUSTEE)

Bibby Financial Services Limited (As Security Trustee)

LLOYDS TSB BANK PLC

A DEED OF ADMISSION TO AN OMNIBUS GUARANTEE AND SET-OFF AGREEMENT DATED 10/02/2005 AND

LLOYDS TSB BANK PLC

DEBENTURE

LLOYDS TSB BANK PLC

AN OMNIBUS GUARANTEE AND SET-OFF AGREEMENT

ULTIMATE FINANCE LIMITED

DEBENTURE

Ultimate Finance Limited

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. See the mortgage charge document for full details.