NCHK CONSULTING LIMITED

Reward Finance Group Limited

1. all estates and interests in any freehold, leasehold or commonhold property now owned by the borrower.. 2. all present and future estates or interests of the borrower in, or over, any freehold, leasehold or commonhold property (other than any such property effectively mortgaged under clause 3.1.1 of the debenture.. 3. a first fixed charge over the borrower's intellectual property (as defined by the debenture).