TO BE INCLUDED IN NEW CHARGE DOCUMENT (FOR GLA PROPERTIES)

1. Severability

1.1 Each of the provisions of this Charge is severable and distinct from the others and if at
any time one or part or more of those provisions is or becomes invalid illegal or
unenforceable the validity legality and enforceability of the remaining provisions shall not
in any way be affected or impaired.

1.2 If any provision of this Charge is held by a court of law as not complying with the Land Act
and/or the Land Registration Act (or if the Bank receives legal advice that any provision of
this Charge does not comply with the Land Act and/or the Land Registration Act and
notifies the Mortgagor such provision or provisions shall be treated as if they had been
deleted from this Charge and were no longer applicable to this Charge but all other
provisions of this Charge shall continue to have full force and effect and be binding on the
Chargor and the Chargor hereby agrees and undertakes to enter into a memorandum as
provided in section 84 of the Land Act to vary the non-compliant provisions of this Chargor
to the satisfaction of the Bank.

1.3 If this Charge is held by a court of law as not complying with the provisions of the Land
Act and/or the Land Registration Act so as to be effective as a legal Charge over the
Charged Property, such fact shall not prejudice this Charge as a contract between the
Bank and the Chargor, and, in this regard, the Chargor hereby agrees and undertakes to
execute and have registered at the Chargor’s cost such new Charge as are then in
conformity the Land Act and/or the Land Registration Act to the satisfaction of the Bank.
TO BE INCLUDED IN CHARGE DOCUMENT (FOR PROPERTIES WITH NEW TITLES
(ISSUED FROM 2013))

2. Severability

2.1 Each of the provisions of this Charge is severable and distinct from the others and if at
any time one or part or more of those provisions is or becomes invalid illegal or
unenforceable the validity legality and enforceability of the remaining provisions shall not
in any way be affected or impaired.

2.2 If any provision of this Charge is held by a court of law as not complying with the Land Act
and/or the Land Registration Act (or if the Bank receives legal advice that any provision of
this Charge does not comply with the Land Act and/or the Land Registration Act and
notifies the Chargor such provision or provisions shall be treated as if they had been
deleted from this Charge and were no longer applicable to this Charge but all other
provisions of this Charge shall continue to have full force and effect and be binding on the
Chargor and the Chargor hereby agrees and undertakes to enter into a memorandum as
provided in section 84 of the Land Act to vary the non-compliant provisions of this Charge
to the satisfaction of the Bank.

2.3 If this Charge is held by a court of law as not complying with the provisions of the Land
Act and/or the Land Registration Act so as to be effective as a legal Charge over the
Charged Property, such fact shall not prejudice this Charge as a contract between the
Bank and the Chargor, and, in this regard, the Chargor hereby agrees and undertakes to
execute and have registered at the Chargor’s cost such new Charge as are then in
conformity the Land Act and/or the Land Registration Act to the satisfaction of the Bank.

3. Appointment as Attorney
The Chargor hereby irrevocably appoints the Bank or the duly constituted attorney or attorneys of
the Bank for the time being to be the attorney or attorneys of the Chargor and in the name and on
behalf of the Chargor to execute and do any assurances acts and things which the Chargor ought
to execute and do under the covenants herein contained and generally to use the name of the
Chargor in the exercise of all or any of the powers hereby conferred on the Bank or any duly
constituted attorney or attorneys appointed by the Bank and covenants that the Chargor will when
called upon by the Bank so to do execute a further Power of Attorney in such form as the Bank
may require in favour of the Bank or the duly constituted attorney or attorneys of the Bank for the
time being.

*Also note to include in all charges under the Notice Clause that …where service of notice is by
advertisement in a local daily newspaper the notice shall be deemed to have been delivered and
or received on the date of the publication of the advertisement.