UNIVERSAL PROVIDENT LIMITED

ST PAUL SYNDICATE MANAGEMENT LIMITED

CHARGE OVER DEPOSIT

MIDLAND BANK PLC

DEBENTURE

Midland 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. See the mortgage charge document for full details.

SKANDIA LIFE ASSURANCE COMPANY LIMITED

RENT DEPOSIT DEED