RFIB GROUP LIMITED

BARCLAYS BANK PLC

GUARANTEE & DEBENTURE

Barclays Bank PLC

Fixed and floating charge over the undertaking and all property and assets present and future, including goodwill, book debts, uncalled capital, buildings, fixtures, fixed plant & machinery.

NATIONAL WESTMINSTER BANK PLC

CHARGE OF DEPOSIT

LLOYD'S (A STATUTORY CORPORATION)AS TRUSTEE FOR THE CREDITORS FOR THE TIME BEINGOF THE COMPANY IN RESPECT OF THE INSURANCE TRANSACTIONS

DEED OF VARIATION (MADE IN ADDITION TO AND MODIFYING THE SECURITY AND TRUST DEED DATED 5TH SEPTEMBER 1989 (THE "PRINCIPAL DEED") AS MODIFIED BY A DEED OF VARIATION DATED 22ND OCTOBER 1993) THE DEEDS BEING MADE PURSUANT TO THE LLOYD'S BROKERS BYELAW (NO. 5 OF 1988)(THE "BYELAW").

LLOYDS (AS TRUSTEE)

DEED

LLOYD'S

SECURITY & TRUST DEED