Page 2 ADDITIONAL PROVISIONS This Schedule forms part of a charge made pursuant to the Land Registry Reform Act, 1984 and regulations thereunder (hereinafter the charge and Schedule(s) thereto are collectively called the "Charge") from _______________________________, identified in Box (11) on Page 1 of the Charge as Chargor, in favour of CITIZENS BANK OF CANADA, identified in Box (14) on Page 1 of the Charge as Chargee. 1. Prime Rate is the variable rate of interest declared as such from time to time by Citizens Bank of Canada and designated as "Prime Rate". 2. (a) The Chargor shall pay to the Chargee and this Charge shall secure inter alia payment of interest on the amount set out on page 1 of the Charge, under Provisions (hereinafter called the "Sum"), both before and after demand, maturity, default and judgment at a variable rate per annum equivalent to the Chargee's Prime Rate plus ________ percent per annum (the "Current Mort gage Rate"). (b) All amounts paid to the Chargee hereunder shall be applied firstly to pay compound interest, secondly to pay interest (other than compound interest), thirdly to reduce the principal amount secured by the Charge then outstanding and fourthly to pay all other amounts owing by the Chargor to the Chargee. (c) All such interest shall be calculated monthly not in advance and, prior to demand, shall be payable monthly from the date hereof to the date of payment of the Sum in full. (d) On the ______ day of ____________, 2004, the Chargee's Prime Rate was ______ percent per annum, calculated monthly, not in advance. Therefore, on such date, the Current Mortgage Rate was ________% per annum calculated monthly, not in advance, which is equivalent to ___________% per annum calculated half-yearly not in advance. (e) The Current Mortgage Rate shall change automatically, without notice to the Chargor, forthwith upon each change in the Chargee's Prime Rate. The Chargee may, in its sole discretion, change the Prime Rate at any time from time to time. (f) The Agreement is a secured creditline agreement made between the Chargor and the Chargee dated the ______ of __________, 2004 and accepted by the Chargor on the ____ day of __________, 2004, setting forth the terms and conditions upon which the Chargee will establish a secured line of credit and secured line of credit amount in favour of the Chargor. 3. PROVIDED that the Chargor, when not in default hereunder, shall have the privilege of prepaying the whole or part of the principal sum secured hereby, at any time or times, without notice or bonus. ??