MBNA CORP
EXHIBIT 10
<DOCUMENT>
<TYPE>EX-10
<SEQUENCE>2
<FILENAME>ex10.htm
<DESCRIPTION>EXHIBIT 10
<TEXT>
<HTML><HEAD><TITLE>Exhibit 10</TITLE><!-- Licensed to: MBNA Corporation--><!-- Document Created using EDGARIZER HTML --><!-- Copyright 2004 EDGARfilings, Ltd., an IEC company.--><!-- All rights reserved EDGARfilings.com -->
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<DIV><STRONG>Exhibit 10</STRONG></DIV>
<P><STRONG></STRONG>&nbsp;</P>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">DATED 22 OCTOBER 2004</FONT></DIV>
<DIV align=center>&nbsp;</DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">MBNA EUROPE BANK LIMITED</FONT></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">as Borrower</FONT></DIV>
<DIV align=center>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"></FONT>&nbsp;</DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">MBNA AMERICA BANK, N.A.</FONT></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">as Guarantor</FONT></DIV>
<DIV align=center>&nbsp;</DIV>
<DIV align=center>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">J.P. MORGAN PLC and LLOYDS TSB BANK plc</FONT></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">as Mandated Lead Arrangers</FONT></DIV>
<DIV align=center>&nbsp;</DIV>
<DIV align=center>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">LLOYDS TSB BANK </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">plc</FONT></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">as Agent</FONT></DIV>
<DIV align=center>&nbsp;</DIV>
<DIV align=center>and</DIV>
<DIV align=center>&nbsp;</DIV>
<DIV align=center>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">THE FINANCIAL INSTITUTIONS</FONT></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">referred to herein as Banks</FONT></DIV>
<DIV align=center>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><FONT face="Times New Roman"></FONT></FONT>&nbsp;</DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><FONT face="Times New Roman">&#163;</FONT>350,000,000</FONT></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">MULTICURRENCY REVOLVING CREDIT FACILITY AGREEMENT</FONT></DIV></DIV>
<DIV align=center>&nbsp;</DIV></DIV></DIV></DIV></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">ALLEN &amp; OVERY LLP</FONT></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">for the Arrangers and Banks</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=center><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=center><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV></DIV>
<DIV><BR></DIV>
<DIV>
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<DIV align=justify><BR></DIV></TD></TR>
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<TD align=left width="33%"><FONT size=1>&nbsp;</FONT></TD>
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<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>CONTENTS</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR></TABLE></DIV>
<DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>
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<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif"><STRONG>Clause</STRONG></FONT></DIV></TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=middle width="11%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif"><STRONG>Page</STRONG></FONT></DIV></TD></TR>
<TR>
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<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">1.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Interpretation</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">1</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
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<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">2.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">The Facility</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">11</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">3.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Purpose</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">11</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">4.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Conditions Precedent</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">11</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">5.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Nature of Banks&#146; Obligations</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">11</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">6.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Utilisation Of The Facility</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">11</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">7.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Interest</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">13</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">8.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Market Disruption And Alternative Interest Rates</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">13</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">9.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Repayment</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">14</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">10.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Cancellation And Prepayment</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">14</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">11.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Taxes</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">15</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">12.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Tax Receipts</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">17</FONT></DIV></TD></TR>
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<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
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<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">13.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Increased Costs</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">17</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">14.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Illegality</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">19</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
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<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">15.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Mitigation</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">19</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">16.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Representations</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">20</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">17.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Financial Information</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">25</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">18.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Financial Covenants</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">26</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">19.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Covenants</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">28</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">20.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Events Of Default</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">30</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">21.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Guarantee And Indemnity</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">33</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">22.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Default Interest And Indemnity</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">36</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">23.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Currency Of Account And Payment</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">37</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">24.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Payments</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">38</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">25.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Set-Off</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">40</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">26.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Redistribution Of Payments</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">40</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">27.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Fees</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">41</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">28.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Costs And Expenses</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">41</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">29.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">The Agent, The Arrangers And The Banks</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">42</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">30.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Benefit Of Agreement</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">45</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">31.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Assignments And Transfers By The Borrower</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">46</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">32.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Assignments And Transfers By Banks</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">46</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">33.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Disclosure Of Information</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">47</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">34.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Calculations And Evidence Of Debt</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">48</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">35.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Remedies And Waivers</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">49</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">36.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Counterparts</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">49</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">37.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Amendments</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">49</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">38.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Partial Invalidity</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">50</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">39.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Notices</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">50</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">40.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Economic And Monetary Union</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">51</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">41.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Law</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">51</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">42.</FONT></DIV></TD>
<TD vAlign=top align=left width="53%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">Jurisdiction</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">51</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="62%" colSpan=2>
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">SCHEDULE 1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Original Banks</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">53</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="62%" colSpan=2>
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">SCHEDULE 2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Form Of Transfer Certificate</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">54</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="62%" colSpan=2>
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">SCHEDULE 3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Conditions Precedent</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">57</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="62%" colSpan=2>
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">SCHEDULE 4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Utilisation Request</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">59</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="62%" colSpan=2>
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">SCHEDULE 5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mandatory Cost</FONT></DIV></TD>
<TD vAlign=top align=right width="11%">
<DIV align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, serif">60</FONT></DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR>
<TR>
<TD vAlign=top align=left width="9%">&nbsp;</TD>
<TD vAlign=top align=left width="53%">&nbsp;</TD>
<TD vAlign=top align=right width="11%">&nbsp;</TD></TR></TABLE>
<DIV></DIV></DIV>
<DIV>&nbsp;</DIV>
<DIV></DIV>
<DIV>&nbsp;</DIV>
<DIV></DIV>
<DIV><BR></DIV>
<DIV>
<TABLE id=PGBRK cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR>
<TD vAlign=bottom width="100%" colSpan=3>
<DIV align=justify><BR></DIV></TD></TR>
<TR>
<TD align=left width="33%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=middle width="34%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=right width="33%"><FONT size=1>&nbsp;</FONT></TD></TR>
<TR vAlign=top>
<TD style="PAGE-BREAK-AFTER: always" width="100%" colSpan=3><FONT size=1>
<HR color=#000000 noShade SIZE=2>
</FONT></TD></TR></TABLE></DIV>
<DIV>
<TABLE id=HDR cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR>
<TD vAlign=bottom width="100%"></TD></TR></TABLE></DIV>
<DIV><BR><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>THIS AGREEMENT</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> is made on 22 October 2004</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>BETWEEN</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(1)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>MBNA EUROPE BANK LIMITED</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> (the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Borrower</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">");</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(2)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>MBNA AMERICA BANK, N.A.</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> (the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Guarantor</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">");</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(3)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>J.P. MORGAN PLC </STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">and </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>LLOYDS TSB BANK plc </STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">as mandated lead arrangers (the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Arrangers</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">");</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(4)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>LLOYDS TSB BANK plc</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> (the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Agent</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"); and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(5)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>THE FINANCIAL INSTITUTIONS</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> named in Schedule 1 (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>The Original Banks</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) (the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Original Banks</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">").</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>NOW IT IS HEREBY AGREED</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> as follows:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>1.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>INTERPRETATION</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">In this Agreement:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Advance</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, save as otherwise provided herein, an advance made or to be made by the Banks hereunder.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Affiliate</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, in relation to a person, a subsidiary of that person, or a holding company of that person, or a subsidiary of that holding company.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Availability Period</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the period from the date of this Agreement to (and including) the date one month (or such other period as the Banks may agree) prior to the Final Maturity Date. </FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Available Commitment</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, in relation to a Bank at any time and save as otherwise provided herein, its Commitment at such time less the Sterling Amount of its participation in any outstanding Advances so as to take into account:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any reduction in the Commitment of a Bank which will occur prior to the commencement of, or during the Term relating to the proposed Utilisation;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Sterling Amount of its participation in any Advances that are due to be made on or before the proposed Utilisation Date; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Sterling Amount of that Bank's participation in any Advances that are due to be repaid or prepaid on or before the proposed Utilisation Date.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Available Facility</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, at any time, the aggregate amount of the Available Commitments at such time.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Bank</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">an Original Bank; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any person that becomes a Bank in accordance with Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Assignments and Transfers by Banks</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) of this Agreement after the date of this Agreement.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Committed Currencies</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means Sterling, United States Dollars and euros.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Commitment</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">in relation to an Original Bank at any time and save as otherwise provided herein, the amount, set opposite its name in Schedule 1 (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>The Original Banks</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">);</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(d)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">in relation to any other Bank, the amount of any Commitment transferred to it under this Agreement,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to the extent not cancelled, reduced or transferred by it under this Agreement.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Default</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means an Event of Default or an event which, with the giving of notice, lapse of time or fulfilment of any other applicable condition (or any combination of the foregoing), would constitute an Event of Default.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Eligible Receivables</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, on any date, the aggregate of:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(e)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any Receivables which are owned by any member of the Group on such date to the extent they are or would be reflected on a consolidated balance sheet of the Borrower, prepared in accordance with accounting principles generally accepted in England and Wales and consistently applied; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(f)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any Transferor's Retained Interests on such date,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">in each case, other than any such Receivables or Transferors' Retained Interests which are (a) in accounts (or, in the case of the Transferors' Retained Interests, represent indirect interests in Receivables in accounts) that are treated by the relevant member of the Group as non- accruing or that have balances ninety days or more past due, (b) represent the Financed Portion of Receivables subject to a Securitisation or (c) are otherwise subject to an encumbrance. </FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>EMU</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means Economic and Monetary Union as contemplated in the Treaty on European Union.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>EMU Legislation</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means legislative measures of the European Council for the introduction of, changeover to or operation of a single or unified European currency.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>EURIBOR</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, in relation to any Advance in euro:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(g)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the applicable Screen Rate; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(h)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(if no Screen Rate is available for the interest period of that Advance) the arithmetic mean of the rates (rounded upwards to four decimal places) as supplied to the Agent at its request quoted by the Reference Banks to leading banks in the European interbank market,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">as of 11 a.m. Brussels time on the Quotation Date for the offering of deposits in euro for a period comparable to the interest period for that Advance.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Event of Default</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means any of those events specified in Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Existing Facility</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the &#163;325,000,000 multicurrency revolving credit and sterling acceptance facility agreement originally dated 5 June 2000 between, inter alia, MBNA Europe Bank Limited (formerly known as MBNA International Bank Limited) as borrower, Bank One NA as lead arranger and Lloyds TSB Bank plc as agent and the financial institutions defined therein as banks.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Facility</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the multicurrency revolving credit facility granted to the Borrower in this Agreement.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Facility Office</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the office or offices notified by a Bank to the Agent in writing on or before the date it becomes a Bank (or, following that date, by not less than five business days' written notice) as the office or offices through which it will perform its obligations under this Agreement.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Final Maturity Date</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means 22 October 2009 (or if such day is not a business day, the immediately preceding business day). </FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Finance Parties</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means each Bank, the Agent and each Arranger.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Financed Portion</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means at any time, with respect to Receivables subject to a Securitisation, an amount of such Receivables equal to the aggregate amount of then outstanding debt or equity instruments or securities (other than any Transferors' Retained Interests) issued in connection with such Securitisation, in each case determined in accordance with accounting principles generally accepted in England and Wales and consistently applied.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Group</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, at any time, the Borrower and its subsidiaries.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Information Memorandum</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the confidential information memorandum dated 13 September 2004 and prepared in connection with this Agreement and distributed to the Finance Parties prior to the date hereof.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Instructing Group</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means a Bank or group of Banks whose Commitments amount (or, if each Bank's Commitment has been reduced to zero, did immediately before such reduction to zero amount) in aggregate to sixty-six and two thirds per cent. or more of the Total Commitments.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>LIBOR</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, in relation to any Advance:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the applicable Screen Rate; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(if no Screen Rate is available for the currency or interest period of that Advance) the arithmetic mean of the rates (rounded upwards to four decimal places) as supplied to the Agent at its request quoted by the Reference Banks to leading banks in the London interbank market,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">as of 11:00 a.m. on the Quotation Date for the offering of deposits in the currency of that Advance and for a period comparable to the interest period for that Advance.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Loan</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the aggregate principal amount of Advances for the time being outstanding hereunder.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Mandatory Cost</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the rate determined in accordance with Schedule 5 (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Mandatory Cost</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">).</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Margin</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means 0.15 per cent. per annum.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Material Adverse Effect</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means a material adverse effect on:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(i)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the business, assets, operations or financial condition of the Borrower or the Group as a whole;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(j)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the ability of the Borrower to perform its obligations hereunder; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(k)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the rights or remedies of the Banks hereunder.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Material Subsidiary</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, at any time, a subsidiary of the Borrower: </FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(l)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">whose net profits (or, in the case of a subsidiary which itself has subsidiaries, consolidated net profits) before taxation and, where appropriate, profits and/losses on sale or termination of operations as shown by the latest audited profit and loss account of that subsidiary is at least 10 per cent. of Group Profit (as defined below) as shown by the latest published audited consolidated profit and loss account of the Borrower and its subsidiaries; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(m)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">whose total assets (or, in the case of a subsidiary which itself has subsidiaries, consolidated total assets) as shown by the latest audited balance sheet of that subsidiary amount in value to at least 10 per cent. of the consolidated total assets of the Borrower and its subsidiaries as shown by the latest published audited consolidated balance sheet of the Group; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(n)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to which has been transferred (whether by one transaction or a series of transactions, related or not) the whole or substantially the whole of the assets of a subsidiary which immediately prior to such transaction or any such transactions was a Material Subsidiary; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(o)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to which has been transferred assets or an undertaking which, taken together with the assets of the transferee subsidiary, amount in value to at least 10 per cent. of the consolidated assets of the Group as shown by the latest published audited consolidated balance sheet of the Group,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided however that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(i)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a subsidiary which has become a Material Subsidiary pursuant to the provisions of section (c) or (d) of the definition shall cease to be a Material Subsidiary after whichever is the later of the first date of publication of the first audited consolidated profit and loss account and consolidated balance sheet of the Group prepared as of a date after such subsidiary became a Material Subsidiary and the date of the report of the auditors of that subsidiary on or relating to the first audited profit and loss account and balance sheet of such subsidiary prepared as of a date after such subsidiary became a Material Subsidiary unless it remains to be treated as a Material Subsidiary pursuant to the provisions of section (a) or (b) of this definition;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(ii)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each of the audited consolidated profit and loss accounts and consolidated balance sheets of the Group shall be adjusted in such manner as the auditors of the Borrower think fair and appropriate to take account of the subsidiaries acquired or disposed of after the date to or at which such profit and loss account or balance sheet is made up and of subsidiaries excluded from consolidation therein;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(iii)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">references herein to the audited consolidated profit and loss account and consolidated balance sheet of a subsidiary which has subsidiaries shall be construed as references to the audited consolidated profit and loss account and consolidated balance sheet of such subsidiary and its subsidiaries, if such are required to be produced and audited or, if no such profit and loss account or balance sheet are required to be produced and audited, pro forma consolidated profit and loss account and consolidated balance sheet prepared for the purposes of the report by the auditors of the Borrower referred to below; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(iv)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the said net profit or consolidated profit and the said total assets or consolidated total assets of any subsidiary shall, if expressed in a currency other than Sterling, be translated into Sterling for the purpose of this definition at the rates of exchange used for the purposes of the preparation of the published audited profit and loss account or balance sheet of the Group or such other rates as the auditors of the Borrower may consider appropriate.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A report by the auditors of the Borrower that in their opinion a subsidiary is or is not or was or was not at any particular time or during any particular period a Material Subsidiary shall, in the absence of manifest error, be conclusive and binding on all concerned and for the purpose of this definition "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Group Profit</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall mean the consolidated net profit before taxation (and, where appropriate, profits and/or losses on sale or termination of operations) of the Group, taking credit for any profits of, and deducting any loss, of any corporation which is not a subsidiary to the extent that the same is attributable to the Borrower and is included in the audited consolidated profit and loss account of the Group, without making any deduction in respect of minority interests held by any person who is not a member of the Group.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Obligors</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the Borrower and the Guarantor and "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Obligor</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means either of them.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Optional Currency</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means any currency (other than any Committed Currency) which is freely transferable and freely convertible into Sterling in the London inter-bank market.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Original Consolidated Financial Statements</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the audited consolidated financial statements of the Borrower for its financial year ended 31 December 2003.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Original Sterling Amount</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, in relation to any Utilisation, the amount thereof requested in the Utilisation Request relating thereto (as the same may be reduced pursuant to Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.4</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) or, if the amount requested is not denominated in Sterling, the equivalent of such amount (as the same may be so reduced) in Sterling, calculated as at the date of such Utilisation Request.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Outstandings</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the aggregate of the Sterling Amounts of each outstanding Advance.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Participating Member State</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means each state so described in any EMU Legislation.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Proportion</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, in relation to a Bank:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(p)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">whilst there are no Outstandings hereunder, the proportion borne by its Commitment to the Total Commitments (or, if the Total Commitments are then zero, by its Commitment to the Total Commitments immediately prior to their reduction to zero);&nbsp;or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(q)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">whilst there are Outstandings hereunder, the proportion borne by its share of the Outstandings to the Outstandings.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Qualifying Bank</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means any person who is a bank for the purposes of Section&nbsp;349 of the Income and Corporation Taxes Act 1988 and, with respect to any interest payable to such person hereunder, such person is within the charge to United Kingdom corporation tax as respects such interest at the time when such interest is paid. </FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Quotation Date</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(r)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">two TARGET Days before the first day of a Term for an Advance denominated in euro; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(s)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the first day of a Term for an Advance denominated in Sterling;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(t)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">two business days before the first day of a Term for an advance denominated in any other currency,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">unless market practice differs in the relevant interbank market, in which case the Quotation Date for the currency will be determined by the Agent in accordance with market practice in the relevant interbank market (and if quotations would normally be given by leading banks in the relevant interbank market on more than one day, the Quotation Date will be the last of those days).</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Receivables</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means any credit card or other loan receivables which have arisen in the ordinary course of business of any member of the Group (including, without limitation, through the purchase of any body corporate or any loan assets).</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Reference Banks</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the principal London offices of Lloyds TSB Bank plc, JPMorgan Chase Bank and The Royal Bank of Scotland plc or, in any such case, such other bank or banks as may from time to time be agreed between the Borrower and an Instructing Group.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Repayment Date</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, in relation to any Advance, the last day of the Term thereof.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Screen Rate</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(u)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">for LIBOR, the British Bankers' Association Interest Settlement Rate;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(v)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">for EURIBOR, the percentage rate per annum determined by the Banking Federation of the European Union,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">for the relevant currency and period displayed on the appropriate page of the Reuters screen. If the agreed page is replaced or service ceases to be available, the Agent may specify another page or service displaying the appropriate rate after consultation with the Borrower and the Banks.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Securitisation</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the transfer or pledge of assets or interests in assets to a trust, partnership, corporation or other entity, which transfer or pledge is funded by such entity in whole or in part by the issuance of instruments or securities that are paid principally from the cashflow derived from such assets or interests in assets.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Sterling Amount</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means in relation to any Advance, its Original Sterling Amount as reduced by the proportion (if any) of such Advance which has been repaid.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>TARGET</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the Trans-European Automated Real-Time Gross Settlement Express Transfer System.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>TARGET Day</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means any day on which TARGET is open for the settlement of payments in euro.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Term</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, save as otherwise provided herein, in relation to any Advance, the period for which such Advance is borrowed as specified in the Utilisation Request relating thereto.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Total Commitments</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, at any time, the aggregate of the Banks' Commitments.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Transfer Certificate</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means a certificate substantially in the form set out in Schedule 2 (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Form of Transfer Certificate</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) signed by a Bank, a Transferee and the Agent whereby:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(w)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">such Bank seeks to procure the transfer to such Transferee of all or a part of such Bank's rights and obligations hereunder upon and subject to the terms and conditions set out in Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(x)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">such Transferee undertakes to perform the obligations it will assume as a result of delivery of such certificate to the Agent as is contemplated in Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.3</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Transfer Date</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means, in relation to any Transfer Certificate, the date for the making of the transfer as specified in the schedule to such Transfer Certificate.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Transferee</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means a bank or other financial institution to which a Bank seeks to transfer all or part of such Bank's rights and obligations hereunder.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Transferors' Retained Interests</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means any beneficial debt or equity interest held by any member of the Group in any trust, partnership, corporation or other entity to which Receivables of any member of the Group have been transferred in a Securitisation and, for the purposes hereof, the amount of the Transferors' Retained Interests at any date shall be the amount that would be reflected on a consolidated balance sheet of the Group at such date prepared in accordance with accounting principles generally accepted in England and Wales and consistently applied together with any amount which would be so reflected but for any financing relating thereto which does not transfer any ownership therein. </FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Utilisation</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means a utilisation of the Facility by way of an Advance and any Advance issued or to be issued pursuant to a Utilisation Request.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Utilisation Date</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the date of a Utilisation, being the date on which the relevant Advance is to be made.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Utilisation Request</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means a notice substantially in the form set out in Schedule 4 (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Utilisation Request</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) which shall be irrevocable.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Any reference in this Agreement to:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Agent</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">", any "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Arranger</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" or any "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Bank</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall be construed so as to include its and any subsequent successors, Transferees and assigns in accordance with their respective interests;</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>business day</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall be construed as a reference to a day (other than a Saturday or Sunday) on which (i) banks are generally open for business in London and (ii) if such reference relates to a date for the payment or purchase of any sum denominated in:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(y)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">an Optional Currency or a Committed Currency (other than euro), banks generally are open for business in the principal financial centre of the country of such Optional Currency or Committed Currency; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(z)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">euro, a day on which TARGET is operating;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Clause</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall, subject to any contrary indication, be construed as a reference to a Clause hereof;</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">an "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>encumbrance</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall be construed as a reference to a mortgage, charge, pledge, lien, assignment by way of security, retention of title or other security interest;</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>equity share capital</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" has the meaning ascribed to it in s.744 of the Companies Act 1985;</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>equivalent</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" on any given date in one currency (the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>first currency</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">") of an amount denominated in another currency (the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>second currency</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">") is a reference to the amount of the first currency which could be purchased with the amount of the second currency at the spot rate of exchange quoted by the Agent at or about 9.15 a.m. on such date for the purchase of the first currency with the second currency;</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>holding company</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" of a person shall be construed as a reference to any person of which the first-mentioned person is a subsidiary;</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>indebtedness</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall be construed so as to include any obligation (whether incurred as principal or as surety) for the payment or repayment of money, whether present or future, actual or contingent;</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>indebtedness for borrowed money</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall be construed as a reference to any indebtedness of any person for or in respect of:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(aa)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">all indebtedness for money borrowed by such person or for the deferred purchase price of property or services (other than current trade liabilities incurred in the ordinary course of business and payable in accordance with customary practices);</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(bb)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any other indebtedness for money borrowed by such person which is evidenced by a note, bond, debenture or similar instrument;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(cc)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">all obligations of such person in respect of acceptances issued or created for the account of such person;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(dd)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">all liabilities secured by any encumbrance on any property owned by such person even though such person has not assumed or otherwise become liable for the payment thereof; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(ee)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">contingent obligations of such person in respect of indebtedness of others of a type specified in any of (a) to (d) above (other than any undrawn lines of credit or undrawn credit commitments to any persons),</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that </STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">indebtedness for borrowed money shall not include with respect to any such person which is a bank:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(i)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">indebtedness for borrowed money in respect of retail deposits held by such person;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(ii)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">indebtedness for borrowed money in respect of agreements in the ordinary course of business to purchase or repurchase securities or loans; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(iii)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">contingent liabilities incurred in the ordinary course of banking business (including banker's acceptances, trade acceptances, letters of credit and finance acceptances), </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">and provided further that each of the foregoing items in this definition shall be deemed to constitute indebtedness for borrowed money only to the extent it would be (or in the case of contingent obligations, the indebtedness for borrowed money of the primary obligor would be) required to be reflected as a liability by generally accepted accounting principles in England and Wales or, as the case may be, in the United States (in respect of the Guarantor);</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>know your customer requirements</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" are the checks that a Finance Party requests in order to meet its obligations under applicable money laundering regulations to identify a person who is (or is to become) its customer;</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>month</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" is a reference to a period starting on one day in a calendar month and ending on the numerically corresponding day in the next succeeding calendar month save that, where any such period would otherwise end on a day which is not a business day, it shall end on the next succeeding business day, unless that day falls in the calendar month succeeding that in which it would otherwise have ended, in which case it shall end on the immediately preceding business day </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, if a period starts on the last business day in a calendar month or if there is no numerically corresponding day in the month in which that period ends, that period shall end on the last business day in that later month (and references to "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>months</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall be construed accordingly);</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>person</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall be construed as a reference to any person, firm, company, corporation, government, state or agency of a state or any association or partnership (whether or not having separate legal personality) of two or more of the foregoing;</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Schedule</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall, subject to any contrary indication, be construed as a reference to a schedule hereto;</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>subsidiary</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" of a company or corporation shall be construed as a reference to any company or corporation:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(ff)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">which is controlled, directly or indirectly, by the first-mentioned company or corporation;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(gg)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">more than half the issued share capital of which is beneficially owned, directly or indirectly, by the first-mentioned company or corporation;&nbsp;or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(hh)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">which is a subsidiary of another subsidiary of the first-mentioned company or corporation</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">and, for these purposes, a company or corporation shall be treated as being controlled by another if that other company or corporation is able to direct its affairs and/or to control the composition of its board of directors or equivalent body;</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>tax</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall be construed so as to include any tax, levy, impost, duty or other charge of a similar nature (including, without limitation, any penalty or interest payable in connection with any failure to pay or any delay in paying any of the same);</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>VAT</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall be construed as a reference to value added tax including any similar tax which may be imposed in place thereof from time to time; and</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>winding-up</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">", "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>dissolution</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" or "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>administration</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" of a company or corporation shall be construed so as to include any equivalent or analogous proceedings under the law of the jurisdiction in which such company or corporation is incorporated or any jurisdiction in which such company or corporation carries on business including proceedings relating to liquidation, winding-up, reorganisation, dissolution, administration, arrangement or adjustment of debts or protection or relief of debtors.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>&#163;</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" and "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Sterling</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" denote the lawful currency of the United Kingdom, "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>$</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" and "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>United States Dollar</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" denote the lawful currency of the United States of America, and "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>euro</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" denotes the single currency of the Participating Member States.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Save where the contrary is indicated, any reference in this Agreement to:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1.4.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">this Agreement or any other agreement or document shall be construed as a reference to this Agreement or, as the case may be, such other agreement or document as the same may have been, or may from time to time be, amended, varied, novated or supplemented;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1.4.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a statute shall be construed as a reference to such statute as the same may have been, or may from time to time be, amended or re-enacted;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1.4.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a time of day shall be construed as a reference to London time.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Clause, Part and Schedule headings are for ease of reference only.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Except as otherwise expressly provided in this Agreement, a person who is not a party to this Agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Agreement. Notwithstanding any term of this Agreement, the consent of any third party is not required for any variation (including any release or compromise of any liability under) or termination of, this Agreement.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>2.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>THE FACILITY</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Banks grant to the Borrower, upon the terms and subject to the conditions hereof, a multicurrency revolving credit facility in an aggregate amount of &#163;350,000,000 or its equivalent from time to time in Committed Currencies and/or Optional Currencies. </FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>3.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>PURPOSE</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">3.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Facility is intended for general corporate purposes and for the refinancing of the Existing Facility.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">3.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">None of the Agent, the Arrangers and the Banks shall be obliged to concern themselves with the application of amounts raised by the Borrower hereunder.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>4.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>CONDITIONS PRECEDENT</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Save as the Banks may otherwise agree, the Borrower may not deliver any Utilisation Request hereunder unless the Agent has confirmed to the Borrower and the Banks that it has received all of the documents listed in Schedule 3 (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Conditions Precedent</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) and that each is, in form and substance, satisfactory to the Agent. The Agent undertakes to give such confirmation promptly upon its having received all such documents and found them to be satisfactory.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>5.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>NATURE OF BANKS' OBLIGATIONS</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">5.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The rights and obligations of each Bank hereunder are several.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">5.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The failure by a Bank to perform its obligations hereunder shall not affect the obligations of the Borrower towards any other party hereto nor shall any other party be liable for the failure by such Bank to perform its obligations hereunder.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>6.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>UTILISATION OF THE FACILITY</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Save as otherwise provided herein, an Advance will be made to the Borrower by the Banks if:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">not more than ten business days nor later than 10.00 a.m. on the first business day (in the case of an Advance to be made in Sterling) or later than 10.00 a.m. on the third business day (in the case of an Advance to be made in another Committed Currency or in an Optional Currency) before the proposed Utilisation Date, the Agent has received from the Borrower a Utilisation Request therefore;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the proposed Utilisation Date is a business day during the Availability Period;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.1.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the relevant Utilisation Request states the currency of denomination of the Advance requested, which shall be a Committed Currency or an Optional Currency, provided that, if the Borrower selects an Optional Currency, the Borrower may also select a Committed Currency which is to apply if its selection of such Optional Currency becomes ineffective pursuant to Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.1.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">upon the making of the relevant Utilisation there will be no more than fifteen Utilisations then outstanding hereunder and the Loan will not be denominated in more than five Optional Currencies;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.1.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the proposed amount of such Advance is&nbsp;(a) a minimum amount of &#163;&nbsp;10,000,000 and an integral multiple of &#163; 5,000,000 or (b)&nbsp;if less, equal to the amount of the Available Facility (or, in either case, if the Advance is to be denominated in another Committed Currency or an Optional Currency, such comparable amount thereof as the Agent may from time to time specify following discussions with the Borrower);</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.1.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the proposed Term is a period of one, two, three, six or nine months, or such other period as may be agreed between the Borrower and the Agent (acting on the instructions of the Banks) which, in each such case, ends on a day which is or precedes the Final Maturity Date;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.1.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">either:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">no Default is outstanding or would result from the making of the Advance; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the representations set out in Clauses </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.4</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.5</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.6</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> and </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.7</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> are true on and as of the proposed Utilisation Date,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">or the Banks agree (notwithstanding any matter mentioned at (b) above or that a Default is outstanding or would result from the Utilisation) to the making of such Utilisation.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If the Borrower requests that an Advance be denominated in an Optional Currency but:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.2.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">no later than 12.00 noon on the third business day preceding the first day of the Term of such Advance, any Bank notifies the Agent that it does not agree to such request; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.2.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">no later than 11.00 a.m. on the Quotation Date for such Advance, the Agent notifies the Borrower and the Banks that the Agent is of the opinion that it is not feasible for such Advance to be denominated in such Optional Currency,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">then, unless the Borrower and the Banks otherwise agree, such Advance shall not be made unless the Borrower specified in the Utilisation Request in respect of such Advance that in such event such Advance should be denominated in a Committed Currency in which case such Advance shall be made in such Committed Currency in an amount equal to the Original Sterling Amount relating to such Utilisation Request.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Each Bank will participate through its Facility Office in each Utilisation in the proportion borne by its Available Commitment to the Available Facility immediately prior to the making of that Utilisation.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If a Bank's Commitment is reduced in accordance with the terms hereof (other than pursuant to Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) after the Agent has received the Utilisation Request, then both the Original Sterling Amount and the actual amount of the relevant Advance shall be reduced accordingly.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Agent must notify each Bank of the details of a Utilisation Request as soon as reasonable following receipt of such Utilisation Request.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>7.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>INTEREST</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">7.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Subject to Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">7.3</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> hereof, on the Repayment Date relating to each Advance the Borrower shall pay accrued interest on that Advance.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">7.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The rate of interest applicable to an Advance from time to time during its Term shall be the rate per annum which is the sum of the Margin, the Mandatory Cost in respect thereof at such time (if applicable) and LIBOR or, in relation to any Advance in euro, EURIBOR, on the Quotation Date therefor.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">7.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If an Advance is made for a Term exceeding six months, the Borrower shall pay interest accrued on that Advance on the dates which are at six monthly intervals following the date such Advance is made in respect of the period of the Term elapsed and shall pay interest accrued in respect of the remaining period of the Term terminating on the Repayment Date relating to such Advance on such Repayment Date.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>8.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>MARKET DISRUPTION AND ALTERNATIVE INTEREST RATES</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If, in relation to any Advance:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Agent informs the Borrower that at or about 11.00&nbsp;a.m. on the Quotation Date for such Advance, neither the Reuter Monitor Money Rates Service nor any alternative service quotation was available and none or only one of the Reference Banks was offering to prime banks in the London interbank market deposits in the currency in which such Advance is to be denominated for the proposed Term of such Advance; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">before the close of business on the Quotation Date for such Advance, the Agent has been notified by a Bank or each of a group of Banks to whom in aggregate fifty per cent. or more of the Advance to be made would be owed, that the rate at which deposits in the currency in which such Advance is to be denominated for the proposed Term of such Advance were being offered in the London interbank market does not accurately reflect the cost to it of obtaining such deposits,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">then, notwithstanding the provisions of Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">7</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.1.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Agent shall notify the other parties hereto of such event;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.1.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Borrower shall promptly notify the Agent whether or not it would like such Advance to be made;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.1.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Agent and the Borrower shall enter into negotiations forthwith with a view to agreeing a substitute basis for determining the rates of interest which may be applicable to Advances in the future </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> such negotiations shall not continue for a period exceeding thirty days from the date when the Agent gave the notification in sub-clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.1.3</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> above; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.1.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the duration of the Term of any Advance which proceeds on the basis of a rate agreed pursuant to sub-clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.1.5</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> above shall be, at the Borrower's option, for any period not exceeding one month.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Any such substitute basis that is agreed shall take effect in accordance with its terms and be binding on each party hereto </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> the Agent may not agree any such substitute basis without the prior consent of each Bank.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If no substitute basis is agreed pursuant to Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> in respect of an Advance affected by Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> before the end of the Term of such Advance, each Bank's portion of any such Advance shall bear interest during its Term at the rate per annum determined by the Agent to be the sum of the Margin and the Mandatory Cost in respect thereof at such time (if applicable) and the cost to such Bank (as certified by it to the Agent with a copy to the Borrower and expressed as a rate per annum) of funding such portion of such Advance from whatever source it may reasonably select.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>9.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>REPAYMENT</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">9.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall repay each Advance made to it in full on the Repayment Date relating thereto.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">9.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall not repay all or any part of any Advance outstanding hereunder except at the times and in the manner expressly provided herein but, subject to the terms and conditions hereof, shall be entitled to re-borrow any amount repaid.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>10.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>CANCELLATION AND PREPAYMENT</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG> </STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">10.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower may, by giving to the Agent not less than five business days' prior notice to that effect, cancel the whole or any part (being a minimum amount of &#163;10,000,000 and an integral multiple of &#163;5,000,000) of the Available Facility. Any such cancellation shall reduce the Commitment of each Bank rateably and any amount so cancelled may not be reinstated.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">10.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Any notice of cancellation given by the Borrower pursuant to Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">10.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> shall be irrevocable and shall specify the date upon which such cancellation is to be made and the amount of such cancellation.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">10.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If the Borrower becomes obliged to pay any tax or other amount for the account of any Bank under Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or if any Bank claims indemnification from the Borrower under Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, the Borrower may, within thirty days thereafter and by not less than five days' prior notice to the Agent (which notice shall be irrevocable), either:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">10.3.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">cancel such Bank's Commitment whereupon such Bank shall cease to be obliged or entitled to participate in further Utilisations and its Commitment shall be reduced to zero; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">10.3.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">in consideration for payment of the amount of its participation in the Loan and any accrued interest thereon, require such Bank (at the Borrower's expense) to transfer forthwith its rights, benefits and/or obligations hereunder in accordance with Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.3</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> to such one or more other banks or financial institutions as the Borrower, with the prior approval of the Agent (such approval not to be unreasonably withheld), may have nominated as a Transferee.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">10.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower may, by giving to the Agent not less than five business days' prior notice to that effect</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, prepay in the currency of such Advance the whole or any part (the Sterling Amount of which being a minimum amount of &#163;10,000,000 and an integral multiple of &#163;5,000,000 or in the case of an Advance denominated in another Committed Currency or an Optional Currency, such comparable amount thereof as may be agreed between the Agent and the Borrower) of any Advance on any business day. Any such repayment must be accompanied by accrued interest and any amount payable as a result of the provisions of Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.4</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>11.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>TAXES</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">All payments to be made by an Obligor to any person hereunder shall be made free and clear of and without deduction or withholding for or on account of tax unless an Obligor is required by law to make such a payment subject to the deduction or withholding of tax, in which case the sum payable by such Obligor in respect of which such deduction or withholding is required to be made shall be increased to the extent necessary to ensure that, after the making of the required deduction or withholding, such person receives and retains (free from any liability in respect of any such deduction or withholding) a net sum equal to the sum which it would have received and so retained had no such deduction or withholding been made or required to be made.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Without prejudice to the provisions of Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, if any person or the Agent on its behalf is required by law to make any payment on account of tax (not being a tax imposed on its net income or any part of its net income) on or in relation to any sum received or receivable hereunder by such person or the Agent on its behalf (including, without limitation, any sum received or receivable under this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Taxes</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">)) or any liability in respect of any such payment is asserted, imposed, levied or assessed against such person or the Agent on its behalf, the Borrower shall, within three business days of the demand of the Agent, promptly indemnify such person against such payment or liability, together with any interest, penalties and expenses payable or incurred in connection therewith.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A Bank intending to make a claim pursuant to Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, shall within thirty days after becoming aware of the circumstances giving rise to such claim, notify the Agent that it intends to submit a claim pursuant to Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> (whereupon the Agent shall promptly notify the Borrower thereof) and within sixty days of such notification to the Agent it shall deliver to the Agent a certificate setting out in reasonable detail the basis of such claim (whereupon the Agent shall promptly deliver to the Borrower a copy of such certificate) </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that </STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">nothing herein shall require such Bank to disclose any confidential information relating to the organisation of its affairs. In the event that a Bank fails to notify the Agent and submit a claim in accordance with the provisions of this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.3</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, then no compensation shall be payable under Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> in respect of any period prior to such Bank's delivery of the certificate as aforesaid.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">No Obligor shall be obliged to make any payment under this Clause in respect of any deduction or withholding or payment of tax which would not have been required to be deducted, withheld or paid if the relevant Bank had been, at the date on which such deduction, withholding or payment was required to be made, a Qualifying Bank and had taken all interest received by it under this Agreement in respect of any Advance into account as a trading receipt of its banking business, unless such Bank has ceased to be a Qualifying Bank as a result of the introduction of or any change in (or in the interpretation or application of) any relevant law or practice of the applicable taxing authorities which occurs after, and is not publicly known to be contemplated at, the date of this Agreement. Save to the extent that the Borrower and any Bank agree otherwise, each Bank represents to the Obligors that it is a Qualifying Bank, and shall notify the Agent and the Obligors if at any time it is not, or will cease to be, a Qualifying Bank as soon as reasonably practicable upon becoming aware of such event.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If an Obligor makes a payment under Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> for account of a Bank and such Bank determines that it has received or been granted a credit against or relief or remission for or repayment of tax paid or payable by it in respect of or calculated with reference to the deduction or withholding giving rise to such payment, such Bank shall, to the extent that it can do so without prejudice to the retention of such credit, relief, remission or repayment and provided that no Event of Default or other failure to pay an amount due hereunder shall have occurred and then be continuing, pay to such Obligor such amount as such Bank shall have determined in its sole reasonable discretion is attributable to such deduction or withholding. Any payment by a Bank under this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.5</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> shall be </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>prima facie</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> evidence of the amount due to such Obligor hereunder and shall be accepted by such Obligor in full and final settlement of its rights of reimbursement hereunder in respect of the relevant deduction or withholding. Nothing herein contained shall interfere with any Bank's rights to arrange its tax affairs in whatever manner it thinks fit and, in particular, each Bank shall not be under any obligation to claim credit, relief, remission or repayment from or against its corporate profits or similar tax liability in respect of the amount of such deduction or withholding in priority to any other claims, reliefs, credits or deductions available to it, nor shall any Bank be obliged to disclose any information relating to its tax affairs or any of its tax computations.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Without affecting the Guarantor's obligations under Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Guarantee and Indemnity</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">), each Bank and the Agent agrees to deliver to the Guarantor, as soon as possible after any request therefor (after a demand has been made on the Guarantor under Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Guarantee and Indemnity)</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">), such forms, certificates, documents and other information requested by the Guarantor as may be reasonably required by applicable law and, within 45 days of any request therefor, to file all appropriate forms, certificates, documents or other information requested by the Guarantor if such delivery or filing would establish a complete exemption from, or reduction in, any taxes with respect to payments by the Guarantor to such Bank hereunder. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Any amount payable under this Agreement by an Obligor is exclusive of any VAT which might be chargeable in connection with that amount. If any such VAT is chargeable, the Obligor must pay to the relevant Finance Party (in addition to and at the same time as paying that amount) an amount equal to the amount of that VAT. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>12.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>TAX RECEIPTS</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">12.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If, at any time, an Obligor becomes aware that it is required by law to make any deduction or withholding from any sum payable by it hereunder (or if thereafter such Obligor becomes aware of any change in the rates at which or the manner in which such deductions or withholdings are calculated), such Obligor shall promptly notify the Agent.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">12.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If an Obligor makes any payment hereunder in respect of which it is required to make any deduction or withholding, it shall pay the full amount required to be deducted or withheld to the relevant taxation or other authority within the time allowed for such payment under applicable law and shall deliver to the Agent for each Bank, within thirty days after it has made such payment to the applicable authority, an original receipt (or a certified copy thereof) issued by such authority evidencing the payment to such authority of all amounts so required to be deducted or withheld in respect of that Bank's share of such payment.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>13.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>INCREASED COSTS</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If, by reason of:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any change in law or in its interpretation or administration; and/or&nbsp;&nbsp;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">compliance with any request from or requirement (with which type of request or requirement it is customary for financial institutions to comply) of any central bank (other than the requirements of the Bank of England or the Financial Services Authority reflected in the Mandatory Cost) or other fiscal, monetary or other authority (including, without limitation, a request or requirement which affects the manner in which a Bank or a holding company of such Bank is required to or does maintain capital resources having regard to such Bank's obligations hereunder and to amounts owing to it hereunder but excluding any changes arising as a result of the implementation of the 1988 Basle Convergence Agreement on capital standards relating to capital adequacy and weightings as in force at the date of this Agreement); and/or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Borrower ceasing to be an authorised person under the Financial Services and Markets Act 2000 with permission under Part IV of that Act to accept deposits in the UK, resulting in any cost being incurred or reduction in the rate of return arising in the circumstances referred to in sub-clauses </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1.4</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1.5</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">then where:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a Bank or a holding company of such Bank incurs a cost as a result of such Bank's having entered into and/or performing its obligations under this Agreement and/or assuming or maintaining a commitment under this Agreement and/or making one or more Advances hereunder;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a Bank or a holding company of such Bank is unable to obtain the rate of return on its overall capital, by any amount deemed by such Bank to be material, which it would have been able to obtain but for such Bank's having entered into and/or performing its obligations and/or assuming or maintaining a commitment under this Agreement;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">there is any increase in the cost to a Bank or a holding company of such Bank of funding or maintaining all or any of the advances comprised in a class of advances formed by or including the Advances made or to be made by such Bank hereunder; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a Bank or a holding company of such Bank becomes liable to make any payment on account of tax or otherwise (not being a tax imposed on the net income or any part of its net income) on or calculated by reference to the amount of the Advances made or to be made by such Bank hereunder and/or to any sum received or receivable by it hereunder,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Borrower shall, from time to time within three business days of the demand of the Agent, promptly pay to the Agent for the account of that Bank amounts sufficient to indemnify that Bank or a holding company of such Bank against, as the case may be, (1) such cost, (2) such reduction in such rate of return (or such proportion of such reduction as is, in the reasonable opinion of that Bank, attributable to its obligations hereunder), (3) such increased cost (or such proportion of such increased cost as is, in the reasonable opinion of that Bank, attributable to its funding or maintaining advances hereunder) or (4) (to the extent that the Bank is not compensated therefor pursuant to the provisions of Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Taxes</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) or would have been so compensated but for Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.4</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) such liability </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided always that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> in the event that the Borrower is notified pursuant to Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> more than fourteen days after the relevant Bank becomes aware of the circumstances giving rise to such claim, no compensation shall be payable under this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> in respect of any period before the Borrower was notified as aforesaid.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A Bank intending to make a claim pursuant to Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> shall promptly after becoming aware of the circumstances giving rise to such claim, deliver to the Agent a certificate setting out in reasonable detail the basis of such claim, whereupon the Agent shall promptly notify the Borrower thereof and deliver to the Borrower a copy of such certificate </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that </STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">nothing herein shall require such Bank to disclose any confidential information relating to the organisation of its affairs.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Notwithstanding the foregoing provisions of Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, no Bank shall be entitled to make a claim under this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> unless the circumstances giving rise to such claim are capable of application to a class of banks and not solely to such Bank as is entitled to make the claim.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>14.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>ILLEGALITY</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">14.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If, at any time, it is unlawful for a Bank to make, fund or allow to remain outstanding all or any of the Advances made or to be made by it hereunder then that Bank shall, promptly after becoming aware of the same, deliver to the Borrower through the Agent a certificate to that effect and:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">14.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">such Bank shall not thereafter be obliged to make Advances hereunder and the amount of its Commitment shall be immediately reduced to zero;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">14.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">if the Agent on behalf of such Bank so requires, the Borrower shall on such date as the Agent shall have specified (being the latest date by which the relevant law requires that the same be repaid or, if earlier, on the last day of the then current Term relating thereto) repay such Bank's share of any outstanding Advances together with accrued interest thereon and all other amounts owing to such Bank hereunder.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>15.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>MITIGATION</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">15.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If, in respect of any Bank, circumstances arise which would or would upon the giving of notice result in:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">15.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the reduction of its Commitment to zero pursuant to Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">14.1.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">15.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">an increase in the amount of any payment to be made to it for its account pursuant to Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">15.1.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a claim for indemnification pursuant to Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">then, without in any way limiting, reducing or otherwise qualifying the rights of such Bank or the obligations of the Borrower under any of the Clauses referred to in </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">15.1.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">15.1.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">15.1.3</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> above such Bank shall promptly upon becoming aware of the same notify the Agent thereof and, in consultation with the Agent and the Borrower and to the extent that it can do so without prejudice to its own position, use reasonable efforts to take such steps as may be reasonably open to it to mitigate the effects of such circumstances including, without limitation, the transfer of its Facility Office or the transfer of its rights and obligations hereunder to another financial institution acceptable to the Borrower and willing to participate in the Facility </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> such Bank shall be under no obligation to take any such action if, in the reasonable opinion of such Bank, to do so might have any adverse effect upon its business, operations or financial condition.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">15.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If an Obligor determines in good faith that a reasonable basis exists for contesting a tax in respect of which such Obligor has had to pay additional amounts pursuant to Clauses </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or if a Bank or the Agent shall become aware that it is entitled to claim a refund from a third party for the tax in respect of which such additional amount has been paid by such Obligor, such Bank to the extent that it can do so without prejudice to its own position shall, following a request by such Obligor (and at such Obligor's expense for all reasonable expenses incurred by such Bank with prior consultation with such Obligor) co-operate with such Obligor to use its reasonable endeavours to contest such tax or claim such refund. The provisions of this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">15.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> shall continue to extend to a transferor Bank after its rights, benefits and/or obligations hereunder have been transferred pursuant to Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">10.3.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">. Notwithstanding the foregoing provisions of this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">15.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, nothing herein contained shall interfere with any Bank's rights to arrange its tax affairs in whatever manner it thinks fit and, in particular, each Bank shall not be under any obligation to claim credit, relief, remission or repayment from or against its corporate profits or similar tax liability in respect of the amount of such deduction or withholding in priority to any other claims, reliefs, credits or deductions available to it, nor shall any Bank be obliged to disclose any information relating to its tax affairs or any of its tax computations.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>16.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>REPRESENTATIONS</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower represents that:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">it is a limited liability company duly incorporated and validly existing under the laws of England and is a Qualifying Bank;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">it has the power to enter into and perform, and has taken all corporate and other action required to authorise the entry into and performance of, this Agreement and the transactions contemplated hereby;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">subject to the qualifications as to matters of law only as provided in the opinion of Allen &amp; Overy LLP referred to in Schedule 3 (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Conditions Precedent</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) this Agreement constitutes its legal and valid obligations binding and enforceable in accordance with its terms;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">all official and other authorisations, approvals, consents, licences, exemptions, filings, registrations, notarisations, and other matters required in connection with the entry into, performance and validity of this Agreement and the transactions contemplated hereby have been obtained or effected (as appropriate) and are in full force and effect except to the extent that failure to do so would not, in the aggregate for all such failures, reasonably be expected to have a Material Adverse Effect;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">under the laws of England in force at the date of this Agreement, it will not be required to make any deduction or withholding from any payment it may make hereunder to a Qualifying Bank;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">under the laws of England in force at the date hereof, the claims of the Agent, the Arrangers and the Banks against the Borrower under this Agreement will rank at least </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>pari&nbsp;passu</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> with the claims of all its other unsecured creditors save those whose claims are preferred solely by any bankruptcy, insolvency, liquidation or other similar laws of general application; </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">in any proceedings taken in England in relation to this Agreement, it will not be entitled to claim for itself or any of its assets immunity from suit, execution, attachment or other legal process;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1.8&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">all authorisations required or desirable to enable it lawfully to enter into, exercise its rights and comply with its obligations under this Agreement and to make this Agreement admissible in evidence in England have been obtained or effected and are in full force and effect;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1.9&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the choice of English law as the governing law of this Agreement will be recognised and enforced in England and any judgment obtained in England in relation to this Agreement will be recognised and enforced in England;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1.10&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">under the laws of England it is not necessary that this Agreement be filed, recorded or enrolled with any court or other authority in England or that any stamp, registration or similar tax be paid on or in relation to this Agreement.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower further represents that:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">it has not taken any corporate action nor (to the knowledge or belief of the Borrower) have any other steps been taken or legal proceedings been started or threatened against it for its winding-up, dissolution, administration or re-organisation or for the appointment of a receiver, administrator, administrative receiver, trustee or similar officer of it or of any or all of its assets or revenues which would reasonably be expected to result in a Material Adverse Effect;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Original Consolidated Financial Statements were prepared in accordance with accounting principles generally accepted in England and Wales and consistently applied and give (in conjunction with the notes thereto) a true and fair view of the financial condition of the Group at the date as of which they were prepared and the results of the Group's operations during the financial year then ended;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">as at the date as of which the Original Consolidated Financial Statements were prepared no member of the Group had any liabilities (contingent or otherwise and save for contingent obligations under undrawn lines of credit or undrawn credit commitments to any persons) which were not disclosed thereby (or by the notes thereto) or reserved against therein save to any other member of the Group nor any unrealised or anticipated losses arising from commitments entered into by it which were not so disclosed or reserved against;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">save as permitted by Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.2.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, no encumbrance exists over all or any of the Eligible Receivables;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the execution by the Borrower of this Agreement and its exercise of its rights and performance of its obligations hereunder will not result in the existence of nor oblige it to create any encumbrance over all or any of its present or future revenues or assets;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the execution by the Borrower of this Agreement and its exercise of its rights and performance of its obligations hereunder do not and will not:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">conflict with any agreement, mortgage, bond or other instrument to which it is a party or which is binding upon it or any of its assets;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">conflict with its constitutive documents and rules and regulations;&nbsp;or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">conflict with any applicable law, regulation or official or judicial order;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">it is not in breach of or in default under any agreement to which it is a party or which is binding on it or any of its assets to an extent or in a manner which individually or together with all such defaults would reasonably be expected to result in a Material Adverse Effect;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2.8&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">no action or administrative proceedings of or before any court or agency against the Borrower or any other member of the Group which purport to, affect or pertain to this Agreement or any of the transactions contemplated hereby and which would reasonably be expected to result in a Material Adverse Effect has (to the knowledge or belief of the Borrower) been started or threatened;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2.9&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the execution by the Borrower of this Agreement constitutes, and its exercise of its rights and performance of its obligations hereunder will constitute, private and commercial acts done and performed for private and commercial purposes; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2.10&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">it is a subsidiary of the Guarantor and at least seventy-five per cent. of its issued equity share capital is owned by the Guarantor.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower further represents that:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.3.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">no action or administrative proceeding of or before any court or agency against the Borrower or any other person which would reasonably be expected to result in a Material Adverse Effect has (to the knowledge or belief of the Borrower) been started or threatened;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.3.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">since publication of the Original Consolidated Financial Statements, there has been no change to the financial condition of the Borrower which has had a Material Adverse Effect;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.3.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the information contained in Sections 4, 5, 7 and 8 in the Information Memorandum about the Obligors was at its date correct in all material respects and did not contain any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements contained therein not materially misleading in the light of the circumstances under which such statements were made; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.3.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">nothing has occurred since the date of the Information Memorandum which renders the information contained in it untrue or misleading in any respect and which, if disclosed, might reasonably be expected materially and adversely to affect the decision of a person considering whether to enter into this Agreement.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Guarantor represents that:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.4.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">it is a national bank and is duly formed, validly existing and in good standing under the National Bank Act of the United States of America (as amended);</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.4.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">it has the power to enter into and perform, and has taken all corporate and other action required to authorise the entry into and performance of, this Agreement and the transactions contemplated hereby;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.4.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">this Agreement has been duly executed on behalf of the Guarantor and constitutes the legal, valid and binding obligation of the Guarantor, enforceable against the Guarantor in accordance with its terms, except as enforceability may be limited by applicable bankruptcy, insolvency, or similar laws affecting the enforcement of creditors' rights generally or by equitable principles relating to enforceability;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.4.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">all official and other authorisations, approvals, consents, licences, exemptions, filings, registrations, notarisations, and other matters required in connection with the entry into, performance and validity of this Agreement and the transactions contemplated hereby have been obtained or effected (as appropriate) and are in full force and effect except to the extent that failure to do so would not, in the aggregate for all such failures, reasonably be expected to have a material adverse effect on its ability to perform its payment obligations hereunder;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.4.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the execution by the Guarantor of this Agreement and its exercise of its rights and performance of its obligations hereunder do not and will not:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">conflict with any agreement, mortgage, bond or other instrument to which it is a party or which is binding upon it or any of its assets;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">conflict with its constitutive documents and rules and regulations; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">conflict with any applicable United States of America law, regulation or official or judicial order</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Guarantor further represents that it is not</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> required to be registered as an investment company (as defined in the United States Investment Company Act of 1940) nor subject to regulation under the United States Investment Company Act of 1940.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Guarantor further represents that to its knowledge:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.6.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">neither it or any of its Affiliates is in breach of or is the subject of any action or investigation under the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001, Public Law 107-56 (as amended from time to time, the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>USA Patriot Act</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">");</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.6.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">it and each of its Affiliates have taken reasonable measures to ensure compliance with the USA Patriot Act.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">With respect to the Guarantor and its ERISA Affiliates:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(ii)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each are in compliance in all respects with the applicable provisions of ERISA and the Code and the regulations and published interpretations thereunder where a failure to comply, individually or in the aggregate, could result in a Material Adverse Effect;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(jj)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">no Reportable Event has occurred in respect of any Plan;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(kk)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the present value of all accrued benefit liabilities determined on a termination basis under all underfunded Plans (based on those assumptions used to fund such Plans) did not, as of the last annual valuation date applicable thereto, exceed the value of the assets of such Plans by an amount that could result in a Material Adverse Effect; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(ll)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">neither the Guarantor nor any ERISA Affiliate thereof is required to contribute to any Multiemployer Plans, or has withdrawn from any Multiemployer Plan where such withdrawal has resulted or would result in any Withdrawal Liability that has not been fully paid.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.8&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">For the purposes of Clause 16.7:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Code</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the United States Internal Revenue Code of 1986, as amended from time to time.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>ERISA</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the United States Employee Retirement Income Security Act of 1974, as amended from time to time.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>ERISA Affiliate</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall mean, with respect to the Guarantor, any trade or business (whether or not incorporated) that, together with the Guarantor, is treated as a single employer under Section 414 of the Code.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Material Adverse Effect</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means a material adverse effect on:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(mm)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the business, assets, operations or financial condition of the Guarantor or its ERISA Affiliates;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(nn)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the ability of the Guarantor to perform its obligations hereunder; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(oo)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the rights and remedies of the Banks hereunder. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Multiemployer Plan</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall mean a multiemployer plan as defined in Section 4001(a)(3) of ERISA.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Plan</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall mean any employee pension benefit plan (other than a Multiemployer Plan) subject to the provisions of Title IV of ERISA or Section 412 of the Code that is maintained for current or former employees or any beneficiary thereof, of the Guarantor or any ERISA Affiliate.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Reportable Event</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall mean any reportable event as defined in Section 4043 of ERISA or the regulations issued thereunder with respect to a Plan (other than a Plan maintained by an ERISA Affiliate that is considered an ERISA Affiliate only pursuant to subsection (m) or (o) of Code Section 414).</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Withdrawal Liability</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" shall mean liability to a Multiemployer Plan as a result of a complete or partial withdrawal from such Multiemployer Plan, as such terms are defined in Part I of Subtitle E of Title IV of ERISA.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>17.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>FINANCIAL INFORMATION</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">as soon as the same are published, but in any event within 180 days after the end of each of its financial years, deliver to the Agent in sufficient copies for the Banks or make available through electronic media (provided that the same continue to be so available at all times while any amounts are outstanding from the Borrower and/or whilst any Bank has a Commitment under the Facility) with written notification of the location of such information to the Agent at the relevant time, the annual report and audited accounts of the Borrower (which, for the avoidance of doubt, shall mean the directors' report, the report of the auditors, the consolidated audited financial statements and the notes thereto) for such financial year;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">as soon as the same become available, but in any event within 90 days after the end of each half of each of its financial years, deliver to the Agent in sufficient copies for the Banks or make available through electronic media (provided that the same continue to be so available at all times while any amounts are outstanding from the Borrower and/or whilst any Bank has a Commitment under the Facility) with written notification of the location of such information to the Agent at the relevant time, the consolidated financial statements of the Borrower for such period;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">furnish the Agent with copies of the annual and quarterly reports made by MBNA Corporation and copies of the quarterly call reports made by the Guarantor promptly after the same become available except to the extent such reports are private and not publicly available or are made available through electronic media and written notification of the location of such information is given to the Agent at the relevant time;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">provide the Agent, at the same time as it delivers its financial statements pursuant to </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> above an up-to-date list of the Material Subsidiaries (which obligation shall be satisfied if such list is included in its annual report delivered to the Agent under Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">); and </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">from time to time on the request of the Agent, furnish the Agent with such information about the business and financial condition of the Guarantor or the Group as the Agent may reasonably require provided that it shall be under no obligation to supply any information the supply of which is contrary to any confidential obligation binding on it or the supply of which would constitute a breach of law or regulation.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall ensure that:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.2.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each set of financial statements delivered by it pursuant to sub-clauses </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> and </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> of Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> is certified by a duly authorised officer of the Borrower as giving a true and fair view of the financial condition of the Group as at the end of the period to which those financial statements relate and of the results of its operations during such period;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.2.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each set of financial statements delivered by it pursuant to sub-clause 17.1.1 of Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> has been audited by an internationally recognised firm of independent accountants.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall ensure that each set of financial statements submitted to the Agent by it pursuant to sub-clauses </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> and </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> of Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> is prepared using accounting bases, policies, practices and procedures consistent with those applied in the preparation of the Original Consolidated Financial Statements unless, at any time after the date hereof, any change is made to the basis upon which any relevant financial statements are prepared then the Borrower shall notify the Agent of such change and if requested to do so by the Agent the Borrower shall ensure that the auditors for the time being of the Borrower provide:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.3.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a description of such change and the adjustments which would be required to be made to the financial statements so that such financial statements reflect the accounting bases, policies, practices and procedures upon which the Original Consolidated Financial Statements were prepared;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.3.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">sufficient information, in such detail and format as may be reasonably required by the Agent, to enable the Banks to make an accurate comparison between the financial position indicated by such set of financial statements and the Original Consolidated Financial Statements or, as the case may be, the latest set of financial statements as were previously delivered to the Agent hereunder,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">and any reference in this Agreement to such financial statements shall be construed as a reference to such financial statements as adjusted to reflect the basis upon which the Original Consolidated Financial Statements were prepared.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The obligations of the Borrower under this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Financial Information</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) shall remain in full force and effect whilst any amounts are outstanding from the Borrower and/or whilst any Bank has a Commitment under the Facility.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>18.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>FINANCIAL COVENANT</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>S</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.1&nbsp;&nbsp;</FONT></TD>
<TD></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall ensure that </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">its Consolidated Tangible Net Worth shall, on any date, not be less than the sum of (i) &#163;325,000,000 plus (ii) forty per cent. of the Borrower's consolidated net income, if positive, for each financial year that ends after 31 December 2003, plus (iii) if such date is not the last day of a financial year, forty per cent. of the Borrower's net income, if positive, for the then elapsed portion of the current financial year ending on the last day of the financial half-year which ends on or before such date</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Guarantor shall ensure that its Consolidated Tangible Net Worth shall, on any date, not be less than the sum of (i) $4,725,000,000 plus (ii) an amount equal to forty per cent. of the Guarantor's consolidated net income, if positive, for each financial year that ends after 31 December 2003, plus (iii) if such date is not the last day of a financial year, an amount equal to forty per cent. of the Guarantor's consolidated net income, if positive, for the then elapsed portion of the current financial year ending on the last day of the financial quarter (if any) which ends on or before such date.</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">In this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.2.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Consolidated Tangible Net Worth</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" in respect of the Borrower means, on any date, the amount paid up or credited as paid up on the issued share capital of the Borrower </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>plus</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> the consolidated share premium account of the Borrower, </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>plus</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> the consolidated reserves of the Group </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>plus</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> the consolidated retained earnings of the Group (or </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>less</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> the amount outstanding to the debit of the consolidated profit and loss account of the Group) all as shown in the then latest published audited consolidated balance sheet of the Borrower (the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>latest balance sheet</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">") (and for the avoidance of doubt there shall be no double counting in respect of the aforesaid) </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>plus</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> any liabilities of any member of the Group which qualify as either a Hybrid Capital Instrument or as Term Subordinated Debt which fall within the description of these terms set out in Notice Number: BSD/1994/3 dated May 1994 and issued by the Banking Supervision Division of the Bank of England but adjusted so as to:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">deduct any amount attributable to goodwill and other intangible assets;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">deduct (to the extent included) any amounts arising from an upward revaluation (other than a revaluation made or verified by a professional revaluation) of fixed assets made at any time after the date hereof;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">reflect any variation in the issued share capital of the Borrower and the consolidated capital and reserves of the Group after the date of the latest balance sheet (other than in respect of any variation in the balance standing to the credit or debit of the profit and loss account since that date);</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(d)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">exclude any amount attributable to minority interests; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(e)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">exclude any amount attributable to preferred shares which are redeemable at the option of the holder prior to the Final Maturity Date;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.2.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Consolidated Tangible Net Worth</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" in respect of the Guarantor means, on any date, the Tangible Net Worth of the Guarantor and its Subsidiaries on such date, determined on a consolidated basis;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.2.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Intangibles</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" in respect of any person means, on any date, the amount of all assets of such person that would be classified as intangible assets;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.2.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Subsidiary</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means any subsidiary of the Guarantor, </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided, however, that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> any special purpose subsidiary of the Guarantor or any of its subsidiaries organised and operated solely to facilitate or conduct Securitisations which is not a consolidated subsidiary of the Guarantor or any of its subsidiaries shall not be deemed to be a Subsidiary hereunder; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.2.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Tangible Net Worth</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" in respect of any person means, on any date, all amounts which would be included as "total equity capital" on a balance sheet of such person as of such date, less the aggregate amount of Intangibles that would be reflected as assets on such balance sheet,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">and, in the case of Clauses </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.2.1(a)</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.2.1(d)</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> and </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.2.1(e)</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, as determined from the audited consolidated financial statements of the Group for the relevant period as adjusted pursuant to the provisions of Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.3</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">All expressions used in the definitions of this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> which are not otherwise defined herein shall be construed in accordance with generally accepted accounting principles in England and Wales (as used in the Group's most recent audited annual consolidated financial statements) in respect of the Borrower or in accordance with generally accepted accounting principles in the United States of America in respect of the Guarantor.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The obligations of each Obligor under this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> shall remain in full force and effect whilst any amounts are outstanding from the Borrower and/or whilst any Bank has a Commitment under the Facility.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>19.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>COVENANTS</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">obtain, comply with the terms of and do all that is necessary to maintain in full force and effect all authorisations, approvals, licences and consents required in or by the laws and regulations of England to enable it lawfully to enter into and perform its obligations under this Agreement or to ensure the legality, validity, enforceability or admissibility in evidence in England of this Agreement except to the extent that failure to do so would not, in the aggregate for all such failures, reasonably be expected to have a Material Adverse Effect;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">ensure that it and each other member of the Group maintains insurance in respect of its business, assets and operations against such risks and to such extent as would a prudent owner and operator of a business similar in nature to the business of the Borrower and provide, upon request of the Agent, evidence of insurance maintained by the Borrower from time to time;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.1.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">after the delivery of any Utilisation Request and before the proposed making of the Advance requested therein, notify the Agent of the occurrence of any event which results in or may reasonably be expected to result in any of the representations contained in Clauses </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> and </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> being untrue at or before the time of the proposed making of such Advance;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.1.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">promptly, upon becoming aware of the same, inform the Agent of the occurrence of any Default and, upon receipt of a written request to that effect from the Agent, confirm to the Agent that, save as previously notified to the Agent or as notified in such confirmation, no Default has occurred;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.1.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">ensure that at all times the claims of the Agent, the Arrangers and the Banks against it under this Agreement rank at least </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>pari&nbsp;passu</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> with the claims of all its other unsecured creditors save those whose claims are preferred by any bankruptcy, insolvency, liquidation or other similar laws of general application; </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.1.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">upon becoming aware of them, inform the Agent the details of any litigation, arbitration or administrative proceedings which are current, threatened or pending against the Borrower and which might, if adversely determined, have a Material Adverse Effect;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.1.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">ensure it is at all times an authorised person under the Financial Services and Markets Act 2000 with permission under Part IV of that Act to accept deposits in the UK</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.1.8&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">comply in all respects with all laws to which it may be subject, if failure so to comply would materially impair its ability to perform its obligations under this Agreement; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.1.9&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">procure that no substantial change is made to the general nature of its business from that carried on at the date of this Agreement.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall not and shall ensure that each other member of the Group shall not, without the prior written consent of an Instructing Group:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.2.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">create, incur, assume or suffer to exist any encumbrance upon or with respect to or enter into any contractual rights of set-off (other than as a means of collecting or recovering any Eligible Receivables) in relation to any Eligible Receivables or Receivable which would be Eligible Receivables but for a failure to comply with Clauses (a) or (c) of the definition of the term "Eligible Receivables", whether now owned or hereafter acquired, provided that the foregoing shall not prohibit:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any Securitisation of Eligible Receivables other than the Transferors' Retained Interests;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any Securitisation of Transferors' Retained Interests, if such Securitisation qualifies for sale treatment in accordance with accounting principles generally accepted in England and Wales; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any Securitisation of Transferors' Retained Interests which does not qualify for sale treatment in accordance with accounting principles generally accepted in England and Wales;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.2.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">sell, lease, transfer or otherwise dispose of, by one or more transactions or series of transactions (whether related or not), the whole or any part of its revenues or assets (including accounts and notes receivable, with or without recourse) or enter into any agreements to do any of the foregoing if to do so would result in a Material Adverse Effect (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> the foregoing shall not preclude the sale of investment securities for then current market value) other than Securitisations or repurchase agreements; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.2.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">enter into any amalgamation, demerger or merger.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>19.3&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>"Know your customer" checks</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.3.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the introduction of or any change in (or in the interpretation, administration or application of) any law or regulation made after the date of this Agreement;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any change in the status of an Obligor after the date of this Agreement; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">a proposed assignment or transfer by a Bank of any of its rights and obligations under this Agreement to a party that is not a Bank prior to such assignment or transfer,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">obliges the Agent or any Bank (or, in the case of paragraph (c) above, any prospective new Bank) to comply with "know your customer" or similar identification procedures in circumstances where the necessary information is not already available to it, each Obligor shall promptly upon the request of the Agent or any Bank supply, or procure the supply of, such documentation and other evidence as is reasonably requested by the Agent (for itself or on behalf of any Bank) or any Bank (for itself or, in the case of the event described in paragraph (c) above, on behalf of any prospective new Bank) in order for the Agent, such Bank or, in the case of the event described in paragraph (c) above, any prospective new Bank to carry out and be satisfied with the results of all necessary "know your customer" or other checks in relation to any relevant person pursuant to the transactions contemplated in this Agreement.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.3.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Each Bank shall promptly upon the request of the Agent supply, or procure the supply of, such documentation and other evidence as is reasonably requested by the Agent (for itself) in order for the Agent to carry out and be satisfied with the results of all necessary "know your customer" or other checks on Banks pursuant to this Agreement.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The obligations of the Obligors under this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> shall remain in full force and effect whilst any amounts are outstanding from the Borrower and/or whilst any Bank has a Commitment under the Facility.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>20.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>EVENTS OF DEFAULT</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Borrower fails to pay any amount of principal due from it hereunder at the time, in the currency and in the manner specified herein unless such failure is caused by an administrative or technical error and the payment is made within three business days of its due date or, if the Borrower shall on that due date, demonstrate to the Agent that, for any reason beyond the control of the Borrower and not in any way attributable to any act or neglect of the Borrower, the relevant payment cannot be so made, then within five business days of its due date;&nbsp;or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Borrower fails to pay any sum due from it hereunder (other than an amount referred to in Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> above) in the currency and in the manner specified herein within five business days of the due date; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any representation or statement made by the Borrower or the Guarantor in this Agreement or in any Utilisation Request or any other notice or other document, certificate or statement delivered by it pursuant to Clauses </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.1.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> is or proves to have been incorrect or misleading in any material respect at the time it was given; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Borrower fails duly to perform or comply with any of the obligations expressed to be assumed by it in Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.1.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.1.6</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or the Guarantor fails duly to perform or comply with the obligations expressed to be assumed by it in Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.1.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Borrower fails duly to perform or comply with any other obligation expressed to be assumed by it in this Agreement and such failure is capable of remedy but has not been remedied within thirty days after the Agent has given notice thereof to the Borrower to remedy such failure to the satisfaction of the Agent; or &nbsp;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any indebtedness for borrowed money of (a) the Borrower or any other member of the Group in an amount or aggregate amount exceeding &#163;40,000,000 (or its equivalent in other currencies) or (b) the Guarantor in an amount or aggregate amount exceeding $75,000,000 (or its equivalent in other currencies), which in each case is not paid when due after taking into account any applicable grace periods, or any such indebtedness is declared to be or otherwise becomes due and payable prior to its specified maturity by reason of default or event of default or any creditor or creditors of the Borrower, any other member of the Group or, as the case may be, the Guarantor become entitled by reason of default or event of default to declare any such indebtedness due and payable prior to its specified maturity;&nbsp;or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Borrower or any Material Subsidiary or the Guarantor is unable to pay its debts as they fall due, commences negotiations with any one or more of its creditors with a view to the general readjustment or rescheduling of its indebtedness or makes a general assignment for the benefit of or a composition with its creditors;&nbsp;or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.8&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Borrower or any Material Subsidiary or the Guarantor takes any corporate action or other steps are taken or legal proceedings are started by any person for its winding-up, a moratorium of any indebtedness, dissolution, administration or re-organisation (other than any solvent reconstruction previously approved by the Agent in writing, acting on the instructions of the Instructing Group) or with a view to a composition, compromise, assignment or arrangement with any of its creditors or for the appointment of a receiver, administrator, administrative receiver, trustee or similar officer of it or of any or all of its revenues and assets and either such actions, steps or legal proceedings:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">result in the relevant order being made against such company or its revenues and assets;&nbsp;or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">are not stayed, withdrawn, dismissed or discharged, as the case may be, within sixty days of such action, steps or proceedings being commenced; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.9&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any execution or distress is levied against or an encumbrancer takes possession of the whole or any part considered by the Agent to be material of, the property, undertaking or assets of the Borrower or of any Material Subsidiary or of the Guarantor unless, in any such case, the same is being contested in good faith by appropriate means and is removed, discharged or paid out within thirty days;&nbsp;or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.10&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">at any time any act, condition or thing required to be done, fulfilled or performed in order (a) to enable either Obligor lawfully to enter into, exercise its rights under and perform the obligations expressed to be assumed by it in this Agreement, (b) to ensure that the obligations expressed to be assumed by each Obligor in this Agreement are legal, valid, binding and enforceable or (c) to make this Agreement admissible in evidence in England or the United States of America is not done, fulfilled or performed;&nbsp;or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.11&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">at any time it is or becomes unlawful for either Obligor to perform or comply with any or all of its obligations hereunder or any of the obligations of either Obligor hereunder are not or cease to be legal, valid and binding; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.12&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">an Obligor repudiates this Agreement or evidences an intention to repudiate this Agreement; or </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.13&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Guarantor ceases to own at least seventy-five per cent. of the issued equity share capital of the Borrower; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.14&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Group taken as a whole ceases to be predominantly engaged in the credit and other similar card business, other consumer loan business and businesses which are related thereto or are reasonable extensions thereof,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.15&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Borrower ceases to be an authorised person under the Financial Services and Market Act 2000 with permission under Part IV of that Act to accept deposits in the UK,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.16&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Guarantor:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">becomes insolvent or generally does not pay its debts as such debts become due; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">admits in writing its inability to pay its debts generally, or shall make a general assignment for the benefit of creditors; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">institutes or has instituted against it any proceedings seeking (i) to adjudicate it a bankrupt or insolvent; (ii) any liquidation, winding-up, reorganisation, arrangement, adjustment, protection, relief or composition of it or its debts under any law relating to bankruptcy, insolvency or reorganisation or relief of debtors; or (iii) the entry of an order for relief or the appointment of a receiver, trustee or other similar official for it or for any substantial part of its assets, and in the case of any such proceeding instituted against it (but not instituted by it), either such proceeding shall remain undismissed or unstayed for a period of sixty days, or any of the actions sought in such proceeding (including the entry of an order for relief against it or the appointment of a receiver, trustee, custodian or other similar official for it or for any substantial part of its assets) shall occur; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(d)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">takes any action to authorise any of the foregoing actions,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">then, and in any such case and at any time thereafter whilst such event is continuing, the Agent may (and, if so instructed by an Instructing Group, shall) by written notice to the Borrower:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.17&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">declare the Advances to be immediately due and payable (whereupon the same shall become so payable together with accrued interest thereon and any other sums then owed by the Borrower hereunder) or declare the Advances to be due and payable on demand of the Agent; and/or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1.18&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">declare that the Facility shall be cancelled, whereupon the same shall be cancelled and the Commitment of each Bank shall be reduced to zero.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If, pursuant to Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">20.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, the Agent declares the Advances to be due and payable on demand of the Agent, then, and at any time thereafter, the Agent may (and, if so instructed by an Instructing Group, shall) by written notice to the Borrower call for repayment of the Advances on such date as it may specify in such notice (whereupon the same shall become due and payable on such date and the Borrower shall pay such amount on such date together with accrued interest thereon and any other sums then owed by the Borrower hereunder) or withdraw its declaration with effect from such date as it may specify in such notice.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>21.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>GUARANTEE AND INDEMNITY</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Guarantor irrevocably and unconditionally guarantees and agrees to pay from time to time on demand any and every sum or sums of money which the Borrower is at any time obligated to pay to any Finance Party under or pursuant to this Agreement and which has become due and payable but has not been received by the time specified in such demand (the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Guaranteed Obligations</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">").</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Guarantor irrevocably and unconditionally agrees as a primary obligation to indemnify each Finance Party from time to time on demand from and against any loss incurred by any Finance Party as a result of any of the Guaranteed Obligations being or becoming void, voidable, unenforceable or ineffective as against the Borrower for any reason whatsoever, whether or not known to any Finance Party or any other person, the amount of such loss being the amount which the person or persons suffering it would otherwise have been entitled to recover from the Borrower.</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The obligations of the Guarantor herein contained shall be in addition to and independent of every other security which any Finance Party may at any time hold in respect of any of the Borrower's obligations under this Agreement. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The obligations of the Guarantor herein contained shall constitute and be continuing obligations notwithstanding any settlement of account or other matter or thing whatsoever and shall not be considered satisfied by any intermediate payment or satisfaction of all or any of the obligations of the Borrower under this Agreement and shall continue in full force and effect until final payment in full of all amounts owing by the Borrower under this Agreement. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Neither the obligations of the Guarantor herein contained nor the rights, powers and remedies conferred in respect of the Guarantor upon any Finance Party by this Agreement or by law shall be discharged, impaired or otherwise affected by:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.5.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the winding-up, dissolution, administration or re-organisation of the Borrower or any other person or any change in its status, function, control or ownership;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.5.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any of the obligations of the Borrower or any other person under this Agreement or under any other security taken in respect of any of its obligations under this Agreement being or becoming illegal, invalid, unenforceable or ineffective in any respect;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.5.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">time or other indulgence being granted or agreed to be granted to the Borrower or any other person in respect of its obligations under this Agreement or under any such other security;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.5.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any amendment to, or any variation, waiver or release of, any obligation of the Borrower or any other person under this Agreement or under any such other security;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.5.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any failure to take, or fully to take, any security contemplated hereby or otherwise agreed to be taken in respect of the Borrower's obligations under this Agreement;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.5.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any failure to realise or fully to realise the value of, or any release, discharge, exchange or substitution of, any security taken in respect of the Borrower's obligations under this Agreement; </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.5.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the release of any other guarantor or any other person under the terms of any composition or arrangement with any creditor of any member of the Group; or </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.5.8&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">other than payment in full of the Guaranteed Obligations, any other act, event or omission whatsoever which, but for this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.5</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, might operate to discharge, impair or otherwise affect any of the obligations of the Guarantor herein contained or any of the rights, powers or remedies conferred upon any of the Finance Parties by this Agreement or by law. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Any settlement or discharge between the Guarantor and any of the Finance Parties shall be conditional upon no security or payment to any Finance Party by an Obligor or any other person on behalf of an Obligor being avoided or reduced by virtue of any laws relating to bankruptcy, insolvency, liquidation or similar laws of general application and, if any such security or payment is so avoided or reduced, each Finance Party shall be entitled to recover the value or amount of such security or payment from the Guarantor subsequently as if such settlement or discharge had not occurred. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">No Finance Party shall be obliged before exercising any of the rights, powers or remedies conferred upon them in respect of the Guarantor by this Agreement or by law:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.7.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to make any other demand of the Borrower;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.7.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to take any action or obtain judgment in any court against the Borrower;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.7.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to make or file any claim or proof in a winding-up or dissolution of the Borrower; or </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.7.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to enforce or seek to enforce any other security taken in respect of any of the obligations of the Borrower under this Agreement. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.8&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Guarantor agrees that, so long as any Guaranteed Obligations are outstanding, the Guarantor shall not exercise any rights which the Guarantor may at any time have by reason of performance by it of its obligations hereunder;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.8.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to be indemnified by the Borrower; and/or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.8.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to claim any contribution from any other guarantor of the Borrower's obligations under this Agreement; and/or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.8.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to take the benefit (in whole or in part and whether by way of subrogation or otherwise) of any rights of any Finance Party under this Agreement or of any other security taken pursuant to, or in connection with, this Agreement by all or any of the Finance Parties; and/or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.8.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to commence or claim in any insolvency or similar proceedings against the Borrower.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21.9&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">In the event of payment being received by the Guarantor in breach of Clause 21.8, the Guarantor will pay or transfer to the Agent on behalf of the Finance Parties any sum which shall have been received by it from the Borrower in consequence of such breach (which sum shall as between the Borrower and the Guarantor be deemed not to have reduced the liability of the Borrower to the Guarantor), and until such payment or transfer, the Guarantor will hold such sums on trust for the Finance Parties, </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided however that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> these provisions shall not constitute or create or be deemed to constitute or create any encumbrance or other security interest of any kind. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>22.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>DEFAULT INTEREST AND INDEMNITY</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If any sum due and payable by an Obligor hereunder is not paid on the due date therefor in accordance with the provisions of Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or if any sum other than a sum as previously referred to in this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> due and payable by such Obligor under any judgment of any court in connection herewith is not paid on the date of such judgment, the period beginning on such due date or, as the case may be, the date of such judgment and ending on the date upon which the obligation of such Obligor to pay such sum (the balance thereof for the time being unpaid being herein referred to as an "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>unpaid sum</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">") is discharged shall be divided into successive periods, each of which (other than the first) shall start on the last day of the preceding such period and the duration of each of which shall (except as otherwise provided in this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) be selected by the Agent having regard to the likely period of default.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">During each such period relating thereto as is mentioned in Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> an unpaid sum shall bear interest (before as well as after judgment) at the rate per annum which is the sum from time to time of one per cent., the Margin, the Mandatory Cost in respect thereof at such time (if applicable) and LIBOR or, in relation to any Advance in euro, EURIBOR on the Quotation Date therefor </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.2.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">if, for any such period, LIBOR, or, in relation to any Advance in euro, EURIBOR cannot be determined, the rate of interest applicable to such unpaid sum shall be the sum from time to time of one per cent., the Margin, the Mandatory Cost in respect thereof at such time (if applicable) and the rate per annum determined by the Agent to be the arithmetic mean (rounded upwards to four decimal places) of the rates notified by each Reference Bank to the Agent before the last day of such period to be those which express as a percentage rate per annum the cost to it of funding from whatever sources it may reasonably select its portion of such unpaid sum for such period;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.2.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">if such unpaid sum is all or part of an Advance which became due and payable on a day other than the last day of the Term thereof, the first such period applicable thereto shall be of a duration equal to the unexpired portion of that Term and the rate of interest applicable thereto from time to time during such period shall be that which exceeds by one per cent. the rate which would have been applicable to it had it not so fallen due.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Any interest which shall have accrued under Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> in respect of an unpaid sum shall be due and payable and shall be paid by the relevant Obligor at the end of the period by reference to which it is calculated or on such other date or dates as the Agent may specify by written notice to that Obligor.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If any Bank or the Agent on its behalf receives or recovers all or any part of such Bank's share of an Advance otherwise than on the last day of the Term thereof, the Borrower shall pay to the Agent within three business days of the Agent's demand for account of such Bank an amount equal to the amount (if any) by which (i) the additional interest which would have been payable on the amount so received or recovered had it been received or recovered on the last day of the Term thereof exceeds (ii) the amount of interest which, in the reasonable opinion of the Agent, would have been payable to the Agent or such Bank (as applicable) on the last day of the Term thereof in respect of a deposit in the currency of the amount so received or recovered equal to the amount so received or recovered placed by it with a prime bank in London for a period starting on the third business day following the date of such receipt or recovery and ending on the last day of the Term thereof.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower undertakes to indemnify within three business days of the Agent's demand:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.5.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each of the Agent, the Arrangers and the Banks against any reasonable cost, claim, loss, expense (including legal fees) or liability together with any VAT thereon, which any of them may sustain or incur as a direct consequence of the occurrence of any Event of Default or any default by the Borrower in the performance of any of the obligations expressed to be assumed by it in this Agreement;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.5.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Agent against any reasonable cost or loss it may suffer or incur as a result of (i) its entering into, or performing, any foreign exchange contract for the purposes of Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or (ii) its implementing the provisions of Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">23</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.5.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each Bank against any reasonable loss it may suffer as a result of its funding its portion of an Advance requested by the Borrower hereunder but not made by reason of the operation of any provision hereof;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.5.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each Bank against any loss it may suffer or incur as a result of its funding its portion of an Advance in an Optional Currency which is denominated in a Committed Currency by reason of the provisions of sub-clauses </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.2.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.2.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> of Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.5.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each Bank against any cost or loss it may suffer as a result of any minimum reserve requirements imposed on it by the European Central Bank in relation to a Utilisation or any funding of a Utilisation (except to the extent such losses are caused by the wilful misconduct or gross negligence of such Bank). A Bank intending to make a claim pursuant to this sub-clause shall deliver to the Agent a certificate setting out in reasonable detail the basis of such claim whereupon the Agent shall deliver to the Borrower a copy of such certificate.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Any unpaid sum shall (for the purposes of this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">12.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> and Schedule 5 (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Mandatory Cost</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">)) be treated as an advance and accordingly in this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> and Schedule 5 (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Mandatory Cost</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) the term "Advance" includes any unpaid sum and "Term", in relation to an unpaid sum, includes each such period relating thereto as is mentioned in Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">22.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>23.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>CURRENCY OF ACCOUNT AND PAYMENT</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">23.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Sterling is the currency of account and payment for each and every sum at any time due from an Obligor hereunder </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">23.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each repayment of an Advance or a part thereof shall be made in the currency in which such Advance is denominated at the time of that repayment;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">23.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each payment of interest shall be made in the currency in which the sum in respect of which such interest is payable is denominated;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">23.1.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any amount expressed to be payable in a currency other than Sterling shall be paid in that other currency;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">23.1.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each payment in respect of costs and expenses shall be made in the currency in which the same were incurred;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">23.1.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each payment pursuant to Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> shall be made in the currency specified by the party claiming thereunder.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">23.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If any sum due from an Obligor under this Agreement or any order or judgment given or made in relation hereto has to be converted from the currency (the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>first currency</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">") in which the same is payable hereunder or under such order or judgment into another currency (the "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>second currency</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">") for the purpose of (i)&nbsp;making or filing a claim or proof against such Obligor, (ii)&nbsp;obtaining an order or judgment in any court or other tribunal or (iii)&nbsp;enforcing any order or judgment given or made in relation hereto, such Obligor, as a separate and independent obligation, shall indemnify and hold harmless each of the persons to whom such sum is due from and against any loss suffered as a result of any discrepancy between (a) the rate of exchange used for such purpose to convert the sum in question from the first currency into the second currency and (b) the rate or rates of exchange at which such person may in the ordinary course of business purchase the first currency with the second currency upon receipt of a sum paid to it in satisfaction, in whole or in part, of any such order, judgment, claim or proof.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>24.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>PAYMENTS</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">On each date on which this Agreement requires an amount to be paid by an Obligor or any of the Banks hereunder, such Obligor or, as the case may be, such Bank shall make the same available to the Agent:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">where such amount is denominated in Sterling, by payment in Sterling and in immediately available, freely transferable, cleared funds to Lloyds TSB Bank plc, Treasury Division, Faryner's House, 25 Monument Street London EC3R 3BP (Sort Code 30-15-57) for the credit of account number 0002727 quoting reference "Loans Administration Department, Bristol, Re MBNA" (or such other sort-code, account or bank as the Agent may have specified for this purpose); or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">where such amount is denominated in a Committed Currency (other than Sterling) or an Optional Currency, by payment in such Committed Currency or Optional Currency and in immediately available, freely transferable, cleared funds to such account with such bank in the principal financial centre of the country of such Committed Currency or Optional Currency (or, in the case of amounts denominated in euro, in the financial centre reasonably designated by the Agent for this purpose) as the Agent shall have specified for this purpose.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If, at any time, it shall become impracticable (by reason of any action of any governmental authority or any change in law, exchange control regulations or any similar event) for an Obligor to make any payments hereunder in the manner specified in Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, then such Obligor may agree with each or any of the Banks to such reasonable alternative arrangements (which arrangements the Bank may not unreasonably decline) for the payment direct to such Bank of amounts due to such Bank hereunder </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, in the absence of any such agreement with any Bank, such Obligor shall be obliged to make all payments due to such Bank in the manner specified herein. Upon reaching such agreement such Obligor and such Bank shall immediately notify the Agent thereof and shall thereafter promptly notify the Agent of all payments made direct to such Bank.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Save as otherwise provided herein, each payment received by the Agent for the account of another person pursuant to Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> shall:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24.3.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">in the case of a payment received for the account of the Borrower, be made available by the Agent to the Borrower by application:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">first, in or towards payment the same day (in the currency and funds of receipt) of any amount then due from the Borrower hereunder to the person from whom the amount was so received or in or towards the purchase of any amount of any currency to be so applied;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">secondly, in or towards payment the same day (in the currency and funds of receipt) to such account of the Borrower with such bank in the principal financial centre of the country of the currency of such payment (or, in the case of amounts denominated in euro, in the principal financial centre of a Participating Member State or London) as the Borrower shall have previously notified to the Agent for this purpose;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24.3.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">in the case of any other payment, be made available by the Agent to the person for whose account such payment was received (in the case of a Bank, for the account of the Facility Office) for value the same day by transfer to such account of such person with such bank in the principal financial centre of the country of the currency of such payment (or, in the case of amounts denominated in euro, in the financial centre reasonably designated by the Agent for this purpose) as such person shall have previously notified to the Agent.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">All payments required to be made by an Obligor hereunder shall be calculated without reference to any set-off or counterclaim and shall be made free and clear of and without any deduction for or on account of any set-off or counterclaim.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Where a sum is to be paid hereunder to the Agent for account of another person, the Agent shall not be obliged to make the same available to that other person until it has been able to establish to its reasonable satisfaction that it has actually received such sum, but if it does so and it proves to be the case that it had not actually received such sum, then the person to whom such sum was so made available shall on request refund the same to the Agent together with an amount sufficient to indemnify the Agent against any cost or loss it may have suffered or incurred by reason of its having paid out such sum prior to its having received such sum.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>25.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>SET-OFF</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Following the occurrence of an Event of Default which is continuing, each Obligor authorises each Bank to apply any credit balance to which such Obligor is entitled on any account of such Obligor with that Bank in satisfaction of any sum due and payable from such Obligor to such Bank hereunder but unpaid, </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> such Bank shall only exercise such right if in its opinion it is satisfied that such sum is due and payable to such Bank but is unpaid. For this purpose, each Bank is authorised to purchase with the moneys standing to the credit of any such account such other currencies as may be necessary to effect such application. No Bank shall be obliged to exercise any right given to it by this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">25</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">. If a Bank sets off an obligation under this Agreement, that Bank will promptly notify the Agent and the relevant Obligor (but, for the avoidance of doubt, the failure of such Bank to provide such notice shall not affect such Bank's rights under this Clause 25). The notice will provide details of the amount set off. </FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>26.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>REDISTRIBUTION OF PAYMENTS</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If, at any time, the proportion which any Bank (a </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>"Recovering Bank"</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) has received or recovered (whether by payment, the exercise of a right of set-off or combination of accounts or otherwise) in respect of its portion of any payment (a </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>"relevant payment"</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) to be made under this Agreement by an Obligor for account of such Recovering Bank and one or more other Banks is greater (the portion of such receipt or recovery giving rise to such excess proportion being herein called an </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>"excess amount"</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) than the proportion thereof so received or recovered by the Bank or Banks so receiving or recovering the smallest proportion thereof (which shall include a nil receipt), then:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">such Recovering Bank shall pay to the Agent an amount equal to such excess amount;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">there shall thereupon fall due from such Obligor to such Recovering Bank an amount equal to the amount paid out by such Recovering Bank pursuant to sub-clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26.1.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> above, the amount so due being, for the purposes hereof, treated as if it were an unpaid part of such Recovering Bank's portion of such relevant payment;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26.1.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Agent shall treat the amount received by it from such Recovering Bank pursuant to sub-clause 26.1.1 above as if such amount had been received by it from such Obligor in respect of such relevant payment and shall pay the same to the persons entitled thereto (including such Recovering Bank) </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>pro&nbsp;rata</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> to their respective entitlements thereto,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that </STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to the extent that any excess amount is attributable to a payment to a Bank pursuant to Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">24.3.1(a)</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> such portion of such excess amount as is so attributable shall not be required to be shared pursuant hereto.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If any sum (a "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>relevant sum</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">") received or recovered by a Recovering Bank in respect of any amount owing to it by an Obligor becomes repayable and is repaid by such Recovering Bank, then:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26.2.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">each Bank which has received a share of such relevant sum by reason of the implementation of Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> shall, upon request of the Agent, pay to the Agent for account of such Recovering Bank an amount equal to its share of such relevant sum;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26.2.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">there shall thereupon fall due from such Obligor to each such Bank an amount equal to the amount paid out by it pursuant to sub-clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26.2.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> above, the amount so due being, for the purposes hereof, treated as if it were the sum payable to such Bank against which such Bank's share of such relevant sum was applied.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A Bank shall not be obliged to share any amount with any other Bank which it has received or recovered as a result of taking legal proceedings where such other Bank had an opportunity to participate in those legal proceedings but did not do so and did not take separate legal proceedings.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>27.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>FEES</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">27.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall pay to the Agent for account of each Bank a facility fee calculated at the rate of 0.08 per cent. per annum on the amount of such Bank's Commitment from day to day during the Availability Period and payable in arrear on the last day of each successive period of three months which ends during such period and on the last day of the Availability Period provided that such fee shall also be payable on the date upon which any Commitment is cancelled (and in respect of the amount so cancelled).</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">27.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If the Utilisation of the Facility is greater than 50 per cent. of the Total Commitments at any time the Borrower shall pay to the Agent for account of each Bank pro-rata a utilisation fee calculated at the rate of 0.025 per cent. per annum on the aggregate principal amount of the Loan outstanding. Such fee shall be calculated and if payable, shall accrue on a daily basis and is payable in arrear on the last day of each successive period of three months which ends during such period and on the Final Maturity Date.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">27.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall pay to the Agent for account of each Arranger (for distribution in accordance with a mandate letter dated 13 September, 2004) the fees specified in the letter of even date herewith from the Arrangers to the Borrower. Such fees shall be calculated and, if payable shall accrue at the times, and in the amounts, specified in such letter.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">27.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall pay to the Agent for its own account the agency fees specified in the letter of even date herewith from the Agent to the Borrower. Such fee shall be calculated and, if payable shall accrue at the times, and in the amounts, specified in such letter.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>28.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>COSTS AND EXPENSES</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">28.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall, from time to time on demand of the Agent, reimburse the Agent for all reasonable costs and expenses (including legal fees up to the amount agreed by the Agent with the Borrower) together with any VAT thereon incurred by it in connection with the negotiation, preparation, execution, printing and syndication of this Agreement and the completion of the transactions herein contemplated.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">28.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower shall, from time to time on demand of the Agent, reimburse the Agent, the Arrangers and the Banks for all reasonable costs and expenses (including legal fees) together with any VAT thereon incurred in or in connection with the preservation and/or enforcement of any of the rights of the Agent, the Arrangers and the Banks under this Agreement except to the extent such costs and expenses result from negligence or wilful misconduct of the Agent, the Arrangers or the Banks.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">28.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Obligors shall pay all United Kingdom and United States of America stamp, registration and other taxes to which this Agreement or any judgment given in connection herewith is or at any time may be subject and shall, from time to time within three business days of the demand of the Agent, indemnify the Agent, the Arrangers and the Banks against any liabilities, costs, claims and expenses resulting from any failure to pay or any delay in paying any such tax.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">28.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If any Obligor fails to perform any of its obligations under this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">28</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, each Bank shall, in its Proportion, indemnify each of the Agent and the Arrangers against any loss incurred by any of them as a result of such failure except to the extent that such loss results directly from the Agent's negligence or wilful misconduct and the Borrower shall forthwith reimburse each Bank for any payment made by it pursuant to this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">28.4</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>29.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>THE AGENT, THE ARRANGERS AND THE BANKS</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Each Arranger and each Bank hereby appoints the Agent to act as its agent in connection herewith and authorises the Agent to exercise such rights, powers, authorities and discretions as are specifically delegated to the Agent by the terms hereof together with all such rights, powers, authorities and discretions as are reasonably incidental thereto.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Agent may:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.2.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">assume that:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any representation made by an Obligor in connection herewith is true;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">no Default has occurred;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Obligors are not in breach of or default under their obligations hereunder;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(d)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any right, power, authority or discretion vested herein upon an Instructing Group, the Banks or any other person or group of persons has not been exercised,</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">unless it has, in its capacity as agent for the Banks, received notice to the contrary from any other party hereto;</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.2.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">assume that the Facility Office of each Bank is that last notified to it until it has received from such Bank a notice designating some other office of such Bank to replace its Facility Office and act upon any such notice until the same is superseded by a further such notice;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.2.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">engage and pay for the advice or services of any lawyers, accountants, surveyors or other experts whose advice or services may to it seem necessary, expedient or desirable and rely upon any advice so obtained;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.2.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">rely as to any matters of fact which might reasonably be expected to be within the knowledge of an Obligor upon a certificate signed by or on behalf of such Obligor;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.2.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">rely upon any communication or document believed by it to be genuine;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.2.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">save as otherwise provided herein, refrain from exercising any right, power or discretion vested in it as agent hereunder unless and until instructed by an Instructing Group as to whether or not such right, power or discretion is to be exercised and, if it is to be exercised, as to the manner in which it should be exercised;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.2.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">refrain from acting in accordance with any instructions of an Instructing Group to begin any legal action or proceeding arising out of or in connection with this Agreement until it shall have received such security as it may require (whether by way of payment in advance or otherwise) for all costs, claims, losses, expenses (including legal fees) and liabilities together with any VAT thereon which it will or may expend or incur in complying with such instructions.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Agent shall:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.3.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">promptly inform each Bank of the contents of any notice or document received by it in its capacity as Agent from either Obligor hereunder;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.3.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">promptly notify each Bank of the occurrence of any Default or any default by the Borrower in the due performance of or compliance with its obligations under this Agreement of which the Agent has express notice from any other party hereto;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.3.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">save as otherwise provided herein, act as agent hereunder in accordance with any instructions given to it by an Instructing Group, which instructions shall be binding on all of the Arrangers and the Banks;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.3.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">save as otherwise provided herein, if so instructed by an Instructing Group, refrain from exercising any right, power or discretion vested in it as agent hereunder.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Notwithstanding anything to the contrary expressed or implied herein, neither the Agent nor any of the Arrangers shall:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.4.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">be bound to enquire as to:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">whether or not any representation made by an Obligor in connection herewith is true;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the occurrence or otherwise of any Default;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the performance by the Obligors of their obligations hereunder;&nbsp;or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(d)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">any breach of or default by an Obligor of or under its obligations hereunder;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.4.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">be bound to account to any Bank for any sum or the profit element of any sum received by it for its own account;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.4.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">be bound to disclose to any other person any information relating to any member of the Group if such disclosure would or might in its opinion constitute a breach of any law or regulation or be otherwise actionable at the suit of any person;&nbsp;or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.4.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">be under any obligations other than those for which express provision is made herein.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Each Bank shall, in its Proportion, from time to time on demand by the Agent, indemnify the Agent, against any and all costs, claims, losses, expenses (including legal fees) and liabilities together with any VAT thereon which the Agent may incur, otherwise than by reason of its own gross negligence or wilful misconduct, in acting in its capacity as agent hereunder.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Neither the Agent and the Arrangers nor any of them accepts any responsibility for the accuracy and/or completeness of any information supplied by the Borrower in connection herewith or for the legality, validity, effectiveness, adequacy or enforceability of this Agreement or any related document and neither the Agent and the Arrangers nor any of them shall be under any liability as a result of taking or omitting to take any action in relation to this Agreement or any related document, save in the case of gross negligence or wilful misconduct.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Each of the Banks agrees that it will not assert or seek to assert against any director, officer, employee or agent of the Agent or any Arranger any claim it might have against any of them in respect of the matters referred to in Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.6</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">. Any director, officer, employee or agent of the Agent or an Arranger may rely on this Clause 29.7 and enforce its terms under the Contracts (Rights of Third Parties) Act 1999.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.8&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Agent and each of the Arrangers may accept deposits from, lend money to and generally engage in any kind of banking or other business with each Obligor or any of its respective related entities.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.9&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Agent may resign its appointment hereunder at any time without assigning any reason therefor by giving not less than thirty days' prior written notice to that effect to each of the other parties hereto </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> no such resignation shall be effective until a successor for the Agent is appointed in accordance with the succeeding provisions of this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> and has accepted such appointment in writing.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.10&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If the Agent gives notice of its resignation pursuant to Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.9</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, then any reputable and experienced bank or other financial institution may (with the prior consent of the Borrower, such consent not to be unreasonably withheld </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> it is understood that such consent may be withheld in relation to a bank or financial institution whose primary business is similar to or in direct competition with that of the Group) be appointed as a successor to the Agent by an Instructing Group during the period of such notice but, if no such successor is so appointed, the Agent may appoint such a successor itself.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.11&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If a successor to the Agent is appointed under the provisions of Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.10</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, then upon such successor's acceptance of such appointment (i)&nbsp;the retiring Agent shall be discharged from any further obligation hereunder but shall remain entitled to the benefit of the provisions of this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> and (ii)&nbsp;its successor and each of the other parties hereto shall have the same rights and obligations amongst themselves as they would have had if such successor had been a party hereto.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.12&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">It is understood and agreed by each Bank that it has itself been, and will continue to be, solely responsible for making its own independent appraisal of and investigations into the financial condition, creditworthiness, condition, affairs, status and nature of the Obligors and, accordingly, each Bank warrants to the Agent and the Arrangers that it has not relied on and will not hereafter rely on the Agent and the Arrangers nor any of them:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.12.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to check or enquire on its behalf into the adequacy, accuracy or completeness of any information provided by the Borrower in connection with this Agreement or the transactions herein contemplated (whether or not such information has been or is hereafter circulated to such Bank by the Agent and the Arrangers or any of them);&nbsp;or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.12.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to assess or keep under review on its behalf the financial condition, creditworthiness, condition, affairs, status or nature of the Obligors.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.13&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">In acting as Agent for the Banks, the Agent's agency division shall be treated as a separate entity from any other of its divisions or departments and, notwithstanding the foregoing provisions of this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, in the event that the Agent should act for either Obligor in any capacity in relation to any other matter, any information given by either Obligor to the Agent in such other capacity may be treated as confidential by the Agent.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.14&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Nothing in this Agreement will oblige the Agent or the Arranger to satisfy any know your customer requirement in relation to the identity of any person on behalf of any Finance Party.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">29.15&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Each Finance Party confirms to the Agent and each Arranger that it is solely responsible for any know your customer requirement it is required to carry out and that it may not rely on any statement in relation to those requirements made by any other person.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>30.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>BENEFIT OF AGREEMENT</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">This Agreement shall be binding upon and enure to the benefit of each party hereto and its or any subsequent successors, Transferees and assigns.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>31.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>ASSIGNMENTS AND TRANSFERS BY THE BORROWER</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Obligors shall not be entitled to assign or transfer all or any of their rights, benefits and obligations hereunder without the prior written consent of the Banks.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>32.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>ASSIGNMENTS AND TRANSFERS BY BANKS</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Any Bank may, at any time, assign all or any of its rights and benefits hereunder or transfer in accordance with Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.3</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> all or any of its rights, benefits and obligations to a person subject to the prior written consent of the Borrower and the Agent (except in relation to any assignment or transfer to an existing Bank or an Affiliate of any existing Bank) (in each case, such consent not to be unreasonably withheld or delayed </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that </STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">it is understood that such consent may be withheld in relation to a bank or financial institution whose primary business is similar to or in direct competition with that of the Group or where the Borrower reasonably considers that the credit-worthiness of the transferee bank is substantially below that of the transferor bank and </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided further</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> that the Borrower will be deemed to have given its consent ten business days after a Bank has requested it unless such consent is expressly refused by the Borrower within that time). Unless the Borrower and the Agent agree otherwise, any partial assignment, transfer or novation must be a minimum Commitment amount of &#163;10,000,000 and an integral multiple of &#163;5,000,000.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If any Bank assigns all or any of its rights and benefits hereunder in accordance with Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, then, unless and until the assignee has agreed with the Agent, the Arrangers and the other Banks that it shall be under the same obligations towards each of them as it would have been under if it had been an original party hereto as a Bank, the Agent, the Arrangers and the other Banks shall not be obliged to recognise such assignee as having the rights against each of them which it would have had if it had been such a party hereto.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If any Bank wishes to transfer all or any of its rights, benefits and/or obligations hereunder as contemplated in Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, then such transfer may be effected by the delivery to the Agent of a duly completed and duly executed Transfer Certificate in which event, on the later of the Transfer Date specified in such Transfer Certificate and the fifth business day after (or such earlier business day endorsed by the Agent on such Transfer Certificate falling on or after) the date of delivery of such Transfer Certificate to the Agent:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.3.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to the extent that in such Transfer Certificate the Bank party thereto seeks to transfer its rights, benefits and obligations hereunder, such Bank and the other parties hereto at such time shall be released from further obligations towards one another hereunder and their respective rights against one another shall be cancelled (such rights, benefits and obligations being referred to in this Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.3</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> as "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>discharged rights and obligations</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">");</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.3.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Obligors and the Transferee party thereto shall assume obligations towards one another and/or acquire rights against one another which differ from such discharged rights and obligations only insofar as the Obligors and such Transferee have assumed and/or acquired the same in place of the Obligors and such Bank;&nbsp;and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.3.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Agent, the Arrangers, such Transferee and the other Banks shall acquire the same rights and benefits and assume the same obligations between themselves as they would have acquired and assumed had such Transferee been an original party hereto as a Bank with the rights, benefits and/or obligations acquired or assumed by it as a result of such transfer.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">On the date upon which a transfer takes effect pursuant to Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.3</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, the Transferee in respect of such transfer shall pay to the Agent for its own account a transfer fee of&nbsp;&#163;1,500.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If, at any time, a Bank assigns or transfers any of its rights, benefits and obligations hereunder or transfers its Facility Office and, at the time of such assignment or transfer there arises an obligation on the part of the Borrower under Clauses </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> and </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> to pay to that Bank or its assignee or transferee any amount in excess of the amount it would have then been obliged to pay but for the assignment or transfer then the Borrower shall not be obliged to pay the amount of such excess.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">For the avoidance of doubt, if any Bank assigns all or any of its rights hereunder in accordance with Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or transfers all or any of its rights, benefits and/or obligations hereunder as contemplated in Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, the relevant assignee or transferee, by accepting such assignment or entering into such transfer, shall represent to the Borrower that it is a Qualifying Bank, and agrees that it shall notify the Borrower if at any time it is not, or will cease to be, a Qualifying Bank as soon as reasonably practicable upon becoming aware of such event.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">No assignment or transfer under this Clause 32 will be effective until the Agent has completed all know your customer requirements relating to any person that it is required to carry out in relation to such assignment or transfer. The Agent is not obliged to execute a Transfer Certificate until it has completed all know your customer requirements to its satisfaction.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>33.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>DISCLOSURE OF INFORMATION</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">33.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Neither the Agent, the Arrangers nor any Bank may disclose to any actual or potential assignee or Transferee or to any person who may otherwise enter into contractual relations with such Bank in relation to this Agreement any information about the Obligors without the prior written consent of the Borrower (which consent shall not be unreasonably withheld or delayed) and then only on the basis that prior to any such disclosure the recipient of such information agrees to preserve in accordance with Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">33.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> the confidentiality of any information relating to the Guarantor, the Borrower and the Group received by it and the Agent has received a written undertaking addressed to the Borrower and the proposed assignor or transferor to that effect.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">33.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Agent, the Arrangers and each Bank agree that they will treat as confidential all information provided to it by the Borrower or its agents in relation to the Facility and only use such information or disclose it to others in connection with arrangements arising under this Agreement except that the Agent, the Arrangers or any Bank, as the case may be, may disclose such information:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">33.2.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">in accordance with Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">33.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">; </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">33.2.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to the extent to which it is required to do so by law or by order of any court or at the request of any regulatory body; </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">33.2.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">if necessary or advisable, in connection with any legal proceedings relating to this Agreement </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> where the Obligors are not a party to such legal proceedings then the Borrower must be given prior notification to such information being disclosed; </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">33.2.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to their employees, directors, agents, lawyers, accountants and other professional advisors and to such of their officers, directors, employees, agents, independent auditors and representatives of such Agent, Arranger or Bank as need to know such information in connection with such party's administration of its obligations hereunder </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> such persons referred to in this sub-clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">33.2.4</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> must be informed of the confidential nature of the information and of the restrictions imposed herein; and</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">33.2.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">to the extent that such information is or otherwise becomes public information (otherwise than by disclosure by any of the Agent, the Arrangers or any Bank).</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>34.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>CALCULATIONS AND EVIDENCE OF DEBT</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">34.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Any interest, commission or fee accruing hereunder shall accrue from day to day and shall be calculated on the basis of the actual number of days elapsed and a year of 365 days (or, in the case of any Advance not denominated in Sterling, 360 days) or, in any case where market practice differs, in accordance with market practice.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">34.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Any repayment of an Advance denominated in a Committed Currency or in an Optional Currency shall reduce the amount of such Advance by the amount of such Committed Currency or Optional Currency respectively repaid and shall reduce the Sterling Amount of such Advance proportionately.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">34.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If on any occasion a Reference Bank or Bank fails to supply the Agent with a quotation required of it under the foregoing provisions of this Agreement, the rate for which such quotation was required shall be determined from those quotations which are supplied to the Agent </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> at least two Reference Banks supply a quotation.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">34.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Each Bank shall maintain in accordance with its usual practice accounts evidencing the amounts from time to time lent by and owing to it hereunder.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">34.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Agent shall maintain on its books a control account or accounts in which shall be recorded (a)&nbsp;the amount and type of any Utilisation made or arising hereunder and each Bank's share therein, (b)&nbsp;the amount of all principal, interest and other sums due or to become due from an Obligor to any of the Banks hereunder and each Bank's share therein and (c)&nbsp;the amount of any sum received or recovered by the Agent hereunder and each Bank's share therein.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">34.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">In any legal action or proceeding arising out of or in connection with this Agreement, the entries made in the accounts maintained pursuant to Clauses&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">34.4</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> and&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">34.5</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> shall be prima facie evidence of the existence and amounts of the obligations of the Obligors therein recorded.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">34.7&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A certificate of a Bank as to (a)&nbsp;the amount by which a sum payable to it hereunder is to be increased under Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or (b)&nbsp;the amount for the time being required to indemnify it against any such cost, payment or liability as is mentioned in Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.2</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> shall, in the absence of manifest error, be conclusive for the purposes of this Agreement.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">34.8&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A certificate of the Agent as to the amount at any time due from the Borrower hereunder or the amount which, but for any of the obligations of the Borrower hereunder being or becoming void, voidable, unenforceable or ineffective, at any time would have been due from the Borrower hereunder shall, in the absence of manifest error, be prima facie evidence for the purposes of Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">21</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>35.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>REMEDIES AND WAIVERS</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">No failure to exercise, nor any delay in exercising, on the part of the Agent, the Arrangers and the Banks or any of them, any right or remedy hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy prevent any further or other exercise thereof or the exercise of any other right or remedy. The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>36.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>COUNTERPARTS</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">This Agreement may be executed in any number of counterparts, all of which taken together shall constitute one and the same instrument.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>37.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>AMENDMENTS</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">37.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">With the prior written consent of an Instructing Group, the Agent, the Borrower and the Guarantor may from time to time enter into written amendments, supplements or modifications hereto for the purpose of adding any provisions to this Agreement or changing in any manner the rights of all or any of the Agent, the Arrangers and the Banks or of the Borrower or the Guarantor hereunder, and, at the request of the Borrower with the prior consent of an Instructing Group, the Agent on behalf of the Arrangers and the Banks may execute and deliver to the Borrower a written instrument waiving prospectively or retrospectively, on such terms and conditions as the Agent may specify in such instrument, any of the requirements of this Agreement or any Event of Default and its consequences </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided, however, that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">37.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">no waiver and no amendment, supplement or modification shall, without the prior consent of all the Banks:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
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<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">amend or modify the definitions of Final Maturity Date or Instructing Group;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">amend, modify or waive any provision of Clauses </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.1.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.2.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> or this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">37</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">increase any Bank's Commitment (other than pursuant to Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">), the amount of the Facility, change the principal amount of or currency of any Advance or extend the Term of any Advance; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(d)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">decrease the amount of, change the currency of or extend the date for any payment of interest, fees or any other amount payable to all or any of the Agent, the Arrangers and the Banks; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">37.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">notwithstanding any other provision hereof, the Agent shall not be obliged to agree to any waiver, amendment, supplement or modification if the same would:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">amend, modify or waive any provision of this Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">37</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">otherwise amend, modify or waive any of the Agent's rights under this Agreement or subject the Agent to any additional obligations thereunder.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">37.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If the Borrower or the Guarantor requests any amendment, supplement, modification or waiver in accordance with Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">37.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, then the Borrower shall, within five business days of demand of the Agent, reimburse the Agent for all costs and expenses (including legal fees) together with any VAT thereon reasonably incurred by the Agent in the negotiation, preparation and execution of any written instrument contemplated by Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">37.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>38.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>PARTIAL INVALIDITY</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If, at any time, any provision hereof is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction, neither the legality, validity or enforceability of the remaining provisions hereof nor the legality, validity or enforceability of such provision under the law of any other jurisdiction shall in any way be affected or impaired thereby.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>39.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>NOTICES</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">39.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Each communication to be made hereunder shall be made in writing and, unless otherwise stated, may be given:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">in person, by telex, telefax or letter; or</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 99pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">if between the Agent and a Bank and the Agent and the Bank agree, by e-mail or other electronic communication.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">39.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Any communication or document to be made or delivered by one person to another pursuant to this Agreement shall (unless that other person has by fifteen days' written notice to the Agent specified another address) be made or delivered to that other person at the address, telex or telefax number identified with its signature below (or, in the case of a Transferee, at the end of the Transfer Certificate to which it is a party as Transferee) and shall be deemed to have been made or delivered, in the case of any communication made by letter, when left at that address or, as the case may be, ten days after being deposited in the post postage prepaid in an envelope addressed to that other person at that address and in the case of any communication made by telex or telefax, when transmission thereof has been completed </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>provided that</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> where such communication has been transmitted after office hours at the place of receipt, then delivery shall be deemed to be made on the next business day following such transmission and in the case of any e-mail or electronic communication, when received in legible form. Any communication or document to be made or delivered to the Agent shall be effective only when received by the Agent and then only if the same is expressly marked for the attention of the department or officer identified with the Agent's signature below (or such other department or officer as the Agent shall from time to time specify for this purpose).</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">39.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">In the case of communications sent by telefax, a hard copy of each such communication must be delivered to the recipient's address not later than two business days following the day on which such telefax was sent. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>40.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>ECONOMIC AND MONETARY UNION</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">40.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If the United Kingdom becomes a Participating Member State and as a result the Bank of England recognises more than one currency or currency unit as the lawful currency of the United Kingdom:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">40.1.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">the Borrower shall be entitled to pay or repay any such amount payable hereunder either in the euro unit or in Sterling;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">40.1.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">if any Advance made (or to be made) on or after the date on which the United Kingdom becomes a Participating Member State would, but for this provision, be capable of being made either in euro or in Sterling, such Advance shall be made in euro;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">40.1.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(unless prohibited by law) any translation from a currency or currency unit to another shall be at the official fixed rate of exchange recognised by the Bank of England for conversion, rounded up or down by the Agent, after consultation with the Borrower; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">40.1.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">this Agreement shall be subject to such changes of construction or interpretation as the Agent and the Borrower may from time to time agree to be necessary to reflect the changeover to the euro in the United Kingdom.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>41.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>LAW</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">This Agreement shall be governed by, and shall be construed in accordance with, English law.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>42.&nbsp;&nbsp;</STRONG></FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>JURISDICTION</STRONG></FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">42.1&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Each of the parties hereto irrevocably agrees for the benefit of each of the Agent, the Arrangers and the Banks that the courts of England shall have jurisdiction to hear and determine any suit, action or proceeding, and to settle any disputes, which may arise out of or in connection with this Agreement and, for such purposes, irrevocably submits to the jurisdiction of such courts.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">42.2&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Each Obligor irrevocably waives any objection which it might now or hereafter have to the courts referred to in Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">42.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> being nominated as the forum to hear and determine any suit, action or proceeding, and to settle any disputes, which may arise out of or in connection with this Agreement and agrees not to claim that any such court is not a convenient or appropriate forum.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">42.3&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The submission to the jurisdiction of the courts referred to in Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">42.1</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> shall not (and shall not be construed so as to) limit the right of the Agent, the Arrangers and the Banks or any of them to take proceedings against either Obligor in any other court of competent jurisdiction nor shall the taking of proceedings in any one or more jurisdictions preclude the taking of proceedings in any other jurisdiction (whether concurrently or not) if and to the extent permitted by applicable law.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">42.4&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Guarantor agrees that the documents which start any proceedings in the courts of England and any other documents required to be served in relation to those proceedings may be served on it by being delivered to MBNA Europe Bank Limited at Chester Business Park, Chester CH4 9FB or its registered office.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">42.5&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If the appointment of the Borrower in Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">42.4</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> ceases to be effective, the Guarantor shall immediately appoint another person in England to accept service of process on its behalf in England. If the Guarantor fails to do so (and such failure continues for a period of not less than ten days), the Agent shall be entitled to appoint such a person by notice to the Guarantor. Nothing contained herein shall restrict the right to serve process in any other manner allowed by law. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">42.6&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Borrower accepts its appointment as service of process agent set out in Clause 42.4.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>AS WITNESS</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> the hands of the duly authorised representatives of the parties hereto the day and year first before written.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>SCHEDULE 1&nbsp;&nbsp;</STRONG></FONT></TD>
<TD></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV><BR></DIV>
<DIV>
<TABLE id=PGBRK cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR vAlign=top>
<TD width="100%" colSpan=3>&nbsp; </TD></TR>
<TR>
<TD align=left width="33%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=middle width="34%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=right width="33%"><FONT size=1>&nbsp;</FONT></TD></TR>
<TR vAlign=top>
<TD style="PAGE-BREAK-AFTER: always" width="100%" colSpan=3><FONT size=1>
<HR color=#000000 noShade SIZE=2>
</FONT></TD></TR></TABLE></DIV>
<DIV>
<TABLE id=HDR cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR>
<TD vAlign=bottom width="100%">&nbsp;</TD></TR></TABLE></DIV>
<DIV><BR></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>The Original Banks</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Bank</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Commitment (&#163;)</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">JPMorgan Chase Bank</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">43,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Lloyds TSB Bank plc</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">43,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Bank of America, N.A.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Dresdner Bank AG New York Branch and Grand Cayman Branch</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">HSBC Bank plc</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Royal Bank of Scotland plc</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Societe Generale</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">WestLB AG, London Branch</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">26,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">ABN AMRO Bank N.V.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Banca Intesa SpA, London Branch</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Barclays Bank PLC</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">BNP Paribas London Branch</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Deutsche Bank AG London</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">DZ Bank AG, Deutsche Zentral-Genossenschaftsbank Frankfurt am Main, London Branch</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top width="52%">&nbsp;</TD>
<TD style="BORDER-BOTTOM: black thin solid" vAlign=top align=middle width="20%">
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">&#163;350,000,000</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR></TABLE></DIV>
<DIV align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>SCHEDULE 2&nbsp;&nbsp;</STRONG></FONT></TD>
<TD></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV><BR></DIV>
<DIV>
<TABLE id=PGBRK cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR vAlign=top>
<TD width="100%" colSpan=3>&nbsp; </TD></TR>
<TR>
<TD align=left width="33%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=middle width="34%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=right width="33%"><FONT size=1>&nbsp;</FONT></TD></TR>
<TR vAlign=top>
<TD style="PAGE-BREAK-AFTER: always" width="100%" colSpan=3><FONT size=1>
<HR color=#000000 noShade SIZE=2>
</FONT></TD></TR></TABLE></DIV>
<DIV>
<TABLE id=HDR cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR>
<TD vAlign=bottom width="100%">&nbsp;</TD></TR></TABLE></DIV>
<DIV><BR></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>form of transfer certificate</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">To:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Lloyds TSB Bank plc</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>TRANSFER CERTIFICATE</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">relating to the agreement (as from time to time amended, varied, novated or supplemented, the "Facility Agreement") dated [&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;] whereby a &#163;350,000,000 multicurrency revolving credit facility was made available to MBNA Europe Bank Limited as borrower by a group of banks on whose behalf Lloyds TSB Bank plc acted as agent in connection therewith.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Terms defined in the Facility Agreement shall, subject to any contrary indication, have the same meanings herein. The terms Bank and Transferee are defined in the schedule hereto.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">2.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Bank (i) confirms that the details in the schedule hereto under the heading "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Bank's Commitment</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" or "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Advance(s)</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" accurately summarises its Commitment and/or, as the case may be, its participation in Advances and/or as the case may be, the Term and Repayment Date of, one or more existing Advances and (ii) requests the Transferee to accept and procure the transfer to the Transferee of the portion specified in the schedule hereto of, as the case may be, its Commitment and/or its participation in such Advance(s) by counter-signing and delivering this Transfer Certificate to the Agent at its address for the service of notices specified in the Facility Agreement.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">3.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Transferee hereby requests the Agent to accept this Transfer Certificate as being delivered to the Agent pursuant to and for the purposes of Clause&nbsp;</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">32.3</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> of the Facility Agreement so as to take effect in accordance with the terms thereof on the Transfer Date or on such later date as may be determined in accordance with the terms thereof.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">4.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Transferee confirms that it has received a copy of the Facility Agreement together with such other information as it has required in connection with this transaction and that it has not relied and will not hereafter rely on the Bank to check or enquire on its behalf into the legality, validity, effectiveness, adequacy, accuracy or completeness of any such information and further agrees that it has not relied and will not rely on the Bank to assess or keep under review on its behalf the financial condition, creditworthiness, condition, affairs, status or nature of the Obligors.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">5.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Transferee hereby undertakes with the Bank and each of the other parties to the Facility Agreement that it will perform in accordance with their terms all those obligations which by the terms of the Facility Agreement will be assumed by it after delivery of this Transfer Certificate to the Agent and satisfaction of the conditions (if any) subject to which this Transfer Certificate is expressed to take effect.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Bank makes no representation or warranty and assumes no responsibility with respect to the legality, validity, effectiveness, adequacy or enforceability of the Facility Agreement or any document relating thereto and assumes no responsibility for the financial condition of the Obligors or for the performance and observance by the Obligors of any of their respective obligations under the Facility Agreement or any document relating thereto and any and all such conditions and warranties, whether express or implied by law or otherwise, are hereby excluded.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">7.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Bank hereby gives notice that nothing herein or in the Facility Agreement (or any document relating thereto) shall oblige the Bank to (i) accept a re-transfer from the Transferee of the whole or any part of its rights, benefits and/or obligations under the Facility Agreement transferred pursuant hereto or (ii) support any losses directly or indirectly sustained or incurred by the Transferee for any reason whatsoever including, without limitation, the non-performance by either Obligor or any other party to the Facility Agreement (or any document relating thereto) of its obligations under any such document. The Transferee hereby acknowledges the absence of any such obligation as is referred to in (i) or (ii) above.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">This Transfer Certificate and the rights and obligations of the parties hereunder shall be governed by and construed in accordance with English law.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>THE SCHEDULE</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1.</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Bank:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">2.</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Transferee:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">3.</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Transfer Date:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">4.</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Commitment:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT id=TAB1 style="MARGIN-LEFT: 36pt"></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Bank's Commitment:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Portion Transferred:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">5.</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Advance(s):</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR>
<TD vAlign=top align=left width="21%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Amount of Bank's Participation:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=left width="21%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Term and Repayment Date:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD>
<TD vAlign=top align=left width="21%">
<DIV align=left><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Portion Transferred:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV></TD></TR>
<TR>
<TD vAlign=top align=left width="21%">&nbsp;</TD>
<TD vAlign=top align=left width="21%">&nbsp;</TD>
<TD vAlign=top align=left width="21%">&nbsp;</TD></TR></TABLE></DIV>
<DIV align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">[Transferor Bank]</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">[Transferee Bank]</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">By:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 59.65pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">By:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Date:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 59.65pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Date:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Administrative Details of Transferee</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Address:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Contact Name:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Account for Payments</FONT></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">in Sterling:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Telefax:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Telephone:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">E-mail:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Credit Contracts of Transferee</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Address:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Contact Name:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Telefax:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Telephone:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">E-mail:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Lloyds TSB Bank plc</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">By:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> </DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Date:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>SCHEDULE 3&nbsp;&nbsp;</STRONG></FONT></TD>
<TD></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV><BR></DIV>
<DIV>
<TABLE id=PGBRK cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR vAlign=top>
<TD width="100%" colSpan=3>&nbsp; </TD></TR>
<TR>
<TD align=left width="33%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=middle width="34%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=right width="33%"><FONT size=1>&nbsp;</FONT></TD></TR>
<TR vAlign=top>
<TD style="PAGE-BREAK-AFTER: always" width="100%" colSpan=3><FONT size=1>
<HR color=#000000 noShade SIZE=2>
</FONT></TD></TR></TABLE></DIV>
<DIV>
<TABLE id=HDR cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR>
<TD vAlign=bottom width="100%">&nbsp;</TD></TR></TABLE></DIV>
<DIV><BR></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>conditions precedent</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">In relation to the Borrower:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(pp)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A copy, certified a true and up-to-date copy by a duly authorised officer of the Borrower, of its constitutional documents (including, for the avoidance of doubt, its certificate of incorporation);</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(qq)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A copy, certified a true copy by a duly authorised officer of the Borrower, of extracts of resolutions of the executive committee of the Borrower approving the terms and conditions, and the execution and delivery, of this Agreement and authorising a named person or persons to sign this Agreement and any documents to be delivered by the Borrower pursuant thereto (or such other evidence of authority as the Agent shall reasonably require);</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(rr)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A copy, certified a true copy by a duly authorised officer of the Borrower, of extracts of resolutions of the board of directors of the Borrower authorising the executive committee of the Borrower to approve the matters in paragraph 1(b) above;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(ss)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A certificate of a duly authorised officer of the Borrower setting out the names and specimen signatures of the person or persons authorised to sign, on behalf of the Borrower, this Agreement and any documents to be delivered by the Borrower pursuant hereto; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(tt)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A certificate of a duly authorised officer of the Borrower certifying that each copy document specified in this Schedule is correct, complete and in full force and effect as at a date no earlier than the date of this Agreement.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">2.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">An opinion of Allen &amp; Overy LLP, solicitors to the Agent, in substantially the form distributed to the Banks prior to the execution hereof.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">3.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">An opinion of internal counsel to the Guarantor, in substantially the form distributed to the Banks prior to the execution hereof. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">4.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Payment of the fees referred to in Clause </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">27</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"> (</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>Fees</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">) to the extent then due.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">5.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Agent's "Standard Payment Instructions", duly completed. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">6.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A copy of an irrevocable notice of cancellation from the Borrower to the Agent under the Existing Facility dated at a date no later than the date of this Agreement.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">7.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A copy of any other authorisation or other document, opinion or assurance which the Agent has notified the Borrower is necessary or desirable in connection with the entry into and performance of, and transactions contemplated by, this Agreement or for the validity and enforceability of this Agreement.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">8.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A certificate of a duly authorised officer of the Borrower confirming that utilisation by the Borrowers of the Total Commitments in full will not breach any limit binding on the Borrower or the Guarantor.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">9.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">In relation to the Guarantor: </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: -72pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT id=TAB1 style="MARGIN-LEFT: 9pt"></FONT><FONT id=TAB1 style="MARGIN-LEFT: 36pt"></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a) </FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: -1.35pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A copy, certified a true and up-to-date copy by a duly authorised officer of the Guarantor, of its constitutional documents (including, for the avoidance of doubt, its articles of association);</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: -72pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT id=TAB1 style="MARGIN-LEFT: 9pt"></FONT><FONT id=TAB1 style="MARGIN-LEFT: 36pt"></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b) </FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: -1.35pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A copy, certified a true copy by a duly authorised officer of the Guarantor, of the Charter of the Finance and Loan Committee of the Guarantor; and </FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: -72pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT id=TAB1 style="MARGIN-LEFT: 9pt"></FONT><FONT id=TAB1 style="MARGIN-LEFT: 36pt"></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c) </FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: -1.35pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A certificate of a duly authorised officer of the Guarantor confirming the authorisation by the Finance and Loan Committee of the Guarantor of the execution, delivery and performance of this Agreement and setting out the names and specimen signatures of the person or persons authorised to sign, on behalf of the Guarantor, this Agreement.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>SCHEDULE 4&nbsp;&nbsp;</STRONG></FONT></TD>
<TD></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV><BR></DIV>
<DIV>
<TABLE id=PGBRK cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR vAlign=top>
<TD width="100%" colSpan=3>&nbsp; </TD></TR>
<TR>
<TD align=left width="33%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=middle width="34%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=right width="33%"><FONT size=1>&nbsp;</FONT></TD></TR>
<TR vAlign=top>
<TD style="PAGE-BREAK-AFTER: always" width="100%" colSpan=3><FONT size=1>
<HR color=#000000 noShade SIZE=2>
</FONT></TD></TR></TABLE></DIV>
<DIV>
<TABLE id=HDR cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR>
<TD vAlign=bottom width="100%">&nbsp;</TD></TR></TABLE></DIV>
<DIV><BR></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Utilisation Request</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">From:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">MBNA Europe Bank Limited</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">To: </FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Lloyds TSB Bank plc</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Dated:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Dear Sirs,</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">10.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">We refer to the agreement (as from time to time amended, varied, novated or supplemented, the "Facility Agreement") dated [&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;] and made between, </FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>inter alia</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">, MBNA Europe Bank Limited as borrower, Lloyds TSB Bank plc as agent and the financial institutions named therein as banks. Terms defined in the Facility Agreement shall have the same meaning in this notice.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">11.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">We hereby give you notice that, pursuant to the Facility Agreement and upon the terms and subject to the conditions contained therein, we wish an Advance to be made to us as follows:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(iv)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Currency:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(v)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Utilisation Date:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(vi)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Term:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(vii)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Amount</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">[12.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">If it is not possible, pursuant to Clause&nbsp;6.2 of the Facility Agreement, for the Advance to be made in the currency specified, we would wish the Advance to be denominated in [</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><EM>specify Committed Currency</EM></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">].]</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">[3./4.]</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">We confirm that, at the date hereof, the representations set out in Clauses&nbsp;16.1 and 16.2 of the Facility Agreement are true and no Default has occurred.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">[4./5.]</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 27pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">[The proceeds of this drawdown should be credited to [insert account details].]</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: CG Times, Times New Roman, serif"><SUP>*</SUP></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Yours faithfully</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=center><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">.............................</FONT></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">for and on behalf of</FONT></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>MBNA Europe Bank Limited</STRONG></FONT></DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>SCHEDULE 5&nbsp;&nbsp;</STRONG></FONT></TD>
<TD></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV><BR></DIV>
<DIV>
<TABLE id=PGBRK cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR vAlign=top>
<TD width="100%" colSpan=3>&nbsp; </TD></TR>
<TR>
<TD align=left width="33%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=middle width="34%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=right width="33%"><FONT size=1>&nbsp;</FONT></TD></TR>
<TR vAlign=top>
<TD style="PAGE-BREAK-AFTER: always" width="100%" colSpan=3><FONT size=1>
<HR color=#000000 noShade SIZE=2>
</FONT></TD></TR></TABLE></DIV>
<DIV>
<TABLE id=HDR cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR>
<TD vAlign=bottom width="100%">&nbsp;</TD></TR></TABLE></DIV>
<DIV><BR></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Mandatory Cost</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">13.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Mandatory Cost is an addition to the interest rate to compensate Banks for the cost of compliance with the requirements of the Bank of England and/or the Financial Services Authority (or, in either case, any other authority which replaces all or any of its functions).</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">14.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">On the first day of each Term (or as soon as possible thereafter) the Agent shall calculate, as a percentage rate, a rate (the</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG> "Additional Cost Rate"</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">), in accordance with the paragraphs set out below. The Mandatory Cost will be calculated by the Agent as the average of the Reference Banks' Additional Cost Rates and will be expressed as a percentage rate per annum.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">15.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Additional Cost Rate for any Reference Bank will be calculated by that Reference Bank as if it was a bank lending from a Facility Office in the United Kingdom as follows:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">in relation to a Sterling Advance:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">per cent. per annum</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">in relation to an Advance in any currency other than Sterling:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">per cent. per annum.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Where:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: -45pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">A</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: -4.2pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">is the percentage of Eligible Liabilities (assuming these to be in excess of any stated minimum) which that Reference Bank is from time to time required to maintain as an interest free cash ratio deposit with the Bank of England to comply with cash ratio requirements.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: -45pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">B</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: -4.2pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">is the percentage rate of interest (excluding the Margin and the Mandatory Cost) payable for the relevant Term on the Advance.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: -45pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">C</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: -4.2pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">is the percentage (if any) of Eligible Liabilities which that Reference Bank is required from time to time to maintain as interest bearing Special Deposits with the Bank of England.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: -45pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">D</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: -4.2pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">is the percentage rate per annum payable by the Bank of England to the Agent on interest bearing Special Deposits.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: -45pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">E</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: -4.2pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">is the rate of charge payable by that Reference Bank to the Financial Services Authority pursuant to the fees rules of the Financial Services Authority (calculated by that Reference Bank as being the average of the fee tariffs applicable to that Reference Bank for that financial year) and expressed in pounds per &#163;1,000,000 of the tariff base of that Reference Bank.</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">16.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">For the purposes of this Schedule:</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(a)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Eligible Liabilities</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" and "</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Special Deposits</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" have the meanings given to them from time to time under or pursuant to the Bank of England Act 1998 or (as may be appropriate) by the Bank of England;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(b)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>fees rules</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the then current rules on periodic fees in the Supervision Manual of the FSA Handbook or any other law or regulation as may then be in force for the payment of fees for the acceptance of deposits;</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(c)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>fee tariffs</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" means the fee tariffs specified in the fees rules under fee-block Category A1 (Deposit acceptors) (ignoring any minimum fee or zero rated required pursuant to the fees rules but applying any applicable discount rate); </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(d)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>Reference Banks</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" has the meaning given to it in paragraph (a) of the definition of "Reference Banks" in this Agreement; and</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 72pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">(e)&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">"</FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>tariff base</STRONG></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">" has the meaning given to it in, and will be calculated in accordance with, the fees rules. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">17.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">In application of the above formulae, A, B, C and D will be included in the formulae as percentages (i.e. 5 per cent. will be included in the formula as 5 and not as 0.05). A negative result obtained by subtracting D from B shall be taken as zero. The resulting figures shall be rounded to four decimal places. </FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">18.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Any determination by the Agent pursuant to this Schedule in relation to a formula, the Mandatory Cost, an Additional Cost Rate or any amount payable to a Bank shall, in the absence of manifest error, be conclusive and binding on all parties hereto.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV>
<TABLE id=list cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR style="LINE-HEIGHT: 1.25" vAlign=top>
<TD style="WIDTH: 36pt" align=right><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">19.&nbsp;&nbsp;</FONT></TD>
<TD><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">The Agent may from time to time, after consultation with the Borrower and the Banks, determine and notify to all parties hereto any amendments which are required to be made to this Schedule in order to comply with any change in law, regulation or any requirements from time to time imposed by the Bank of England, the Financial Services Authority or the European Central Bank (or, in any case, any other authority which replaces all or any of its functions) and any such determination shall, in the absence of manifest error, be conclusive and binding on all parties hereto.</FONT></TD></TR></TABLE></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV><BR></DIV>
<DIV>
<TABLE id=PGBRK cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR vAlign=top>
<TD width="100%" colSpan=3>&nbsp; </TD></TR>
<TR>
<TD align=left width="33%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=middle width="34%"><FONT size=1>&nbsp;</FONT></TD>
<TD align=right width="33%"><FONT size=1>&nbsp;</FONT></TD></TR>
<TR vAlign=top>
<TD style="PAGE-BREAK-AFTER: always" width="100%" colSpan=3><FONT size=1>
<HR color=#000000 noShade SIZE=2>
</FONT></TD></TR></TABLE></DIV>
<DIV>
<TABLE id=HDR cellSpacing=0 cellPadding=0 width="100%" align=center border=0>
<TR>
<TD vAlign=bottom width="100%">&nbsp;</TD></TR></TABLE></DIV>
<DIV><BR></DIV>
<DIV align=center><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>SIGNATURES</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>The Borrower</STRONG></FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>MBNA EUROPE BANK LIMITED </STRONG></FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">By:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> </DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Address:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Chester Business Park</FONT></DIV>
<DIV align=justify><FONT id=TAB1 style="MARGIN-LEFT: 72pt"></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Chester CH4 9FB</FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Telex:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">617500 MBNA G</FONT></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Telefax:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">+44 1244 672044</FONT></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Attention:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Company Secretary</FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>The Guarantor</STRONG></FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>MBNA AMERICA BANK, N.A.</STRONG></FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">By:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> </DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Address:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">1100 North King Street</FONT></DIV>
<DIV align=justify><FONT id=TAB1 style="MARGIN-LEFT: 72pt"></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Wilmington</FONT></DIV>
<DIV align=justify><FONT id=TAB1 style="MARGIN-LEFT: 72pt"></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Delaware 19884 - 0314</FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Telefax:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">+1 302 432 6430 </FONT></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Attention</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Treasurer</FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>The Arrangers</STRONG></FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>J.P. MORGAN PLC</STRONG></FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">By:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> </DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>LLOYDS TSB BANK plc</STRONG></FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">By:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> </DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>The Agent</STRONG></FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>LLOYDS TSB BANK plc</STRONG></FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">By:</FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> </DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Address: </FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Lloyds TSB Bank plc</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Loans Administration Department</FONT></DIV>
<DIV align=justify><FONT id=TAB1 style="MARGIN-LEFT: 72pt"></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">25 Gresham Street </FONT></DIV>
<DIV align=justify><FONT id=TAB1 style="MARGIN-LEFT: 72pt"></FONT><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">London EC2 7HN</FONT></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Telefax: </FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">020 7661 4677</FONT></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Attention: </FONT><FONT id=TAB2 style="COLOR: black; LETTER-SPACING: 61.9pt">&nbsp;&nbsp;&nbsp;</FONT> <FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">Loans Administration</FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>The Original Banks</STRONG></FONT></DIV>
<DIV align=justify><BR></DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>JPMORGAN CHASE BANK</STRONG></FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif">By:</FONT></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><BR></DIV>
<DIV style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align=justify>&nbsp;</DIV>
<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>LLOYDS TSB BANK plc</STRONG></FONT></DIV>
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<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>BANK OF AMERICA, N.A.</STRONG></FONT></DIV>
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<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>DRESDNER BANK AG NEW YORK BRANCH AND GRAND CAYMAN BRANCH</STRONG></FONT></DIV>
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<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>THE ROYAL BANK OF SCOTLAND plc</STRONG></FONT></DIV>
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<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>SOCIETE GENERALE</STRONG></FONT></DIV>
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<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>WESTLB AG, LONDON BRANCH</STRONG></FONT></DIV>
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<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>ABN AMRO BANK N.V.</STRONG></FONT></DIV>
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<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>BANCA INTESA SpA, LONDON BRANCH</STRONG></FONT></DIV>
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<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>BARCLAYS BANK PLC</STRONG></FONT></DIV>
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<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>BNP PARIBAS, LONDON BRANCH</STRONG></FONT></DIV>
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<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>DEUTSCHE BANK AG LONDON</STRONG></FONT></DIV>
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<DIV align=justify><FONT style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: CG Times, Times New Roman, serif"><STRONG>DZ BANK AG, DEUTSCHE ZENTRAL-GENOSSENSCHAFTSBANK FRANKFURT AM MAIN, LONDON BRANCH</STRONG></FONT></DIV>
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