JOSH & TOM LTD

LLOYDS TSB BANK PLC

AN OMNIBUS GUARANTEE AND SET-OFF AGREEMENT

LLOYDS TSB BANK PLC

DEPOSIT AGREEMENT TO SECURE OWN LIABILITIES

Lloyds Tsb Bank PLC

Any sums or sums standing to the credit of any one or more of any present of future accounts of the company with the bank whether such accounts be denominated in sterling or in a currency or currencies other than sterling.

Lloyds Tsb Bank PLC

All such rights to the repayment of the deposit meaning the debt(s) on the account(s) described in the schedule being the account with the bank denominated in sterling designated ltsb re:josh & tom LTD and numbered 02226148 and any account(s) for the time being replacing the same and all interest owing in respect thereof and all deposits with the banks treasury division in the name of the bank re the company.