Document:

Filed by Automated Filing Services Inc. (604) 609-0244 - Infitech Ventures Inc. - Exhibit 10.12

PROMISSORY NOTE

	Name of Borrower: 	Infitech Ventures Inc. 
	  	20 Lyall Avenue 
	  	Toronto Ontario, Canada M4E 1V9
  

	Name of Lender: 	Paul G. Daly 
		 20 Lyall
      Avenue  
	  	Toronto Ontario, Canada M4E 1V9
  

	 	1. 	
      For value received, Borrower agrees to pay the Lender
      the amount of $US 5,000.00 on a date to be determined. Payment will be
      sent to the Lender at 20 Lyall Avenue, Toronto Ontario Canada M4E 1V9. The
      loan is unsecured, non interest bearing and payable on demand. Payment can
      be made in cash or common stock with any stock repayment subject to
      requirements imposed by the Securities and Exchange Commission under the
      Securities Exchange Act of 1934.

Dated at the City of Toronto this
6th day of March, 2008.

	Signature of Borrower or authorized
      signatory of Corporation 	/s/ Paul G. Daly
      
	 	 
	Name of authorized signatory of
      Corporation 	PAUL G. DALY 
	 	 
	Name of Corporation 	INFITECH VENTURES INC.Filed by Automated Filing Services Inc. (604) 609-0244 - Bark Group Inc. - Exhibit 10.1

	Translation *
      Page 1 of 16
	 
	EXHIBIT 10.1

	Danske
        	Bank 	 

CREDIT FACILITY CONTRACT 
floating interest – business

	 Borrower’s copy 	
	 	Page 1 of 13 
	 	Credit facility type: Business account
    
	 	Account: XXXXX
	 	Reference: 0026395860 

	 
	Lender 	Danske Bank A/S 	  	  	  
	 
	 	 	 	 
	Borrower 	Living Brands A/S 	  	Customer number: 002639-5860 
	  	Sølvgade 10, 5 	  	  	  
	  	1307 Copenhagen K 	  	  	  
	  	  	  	  	  	  
	  	Denmark 	  	  	  
	  	  	  	  	  	  
		 If there is more than one borrower,
        the terms and conditions of the contract shall apply to each borrower.
      

	  	  	  	  	  	  
	 	 	 	 	 
	Credit line 	Credit line 	  	 	DKK 	500,000.00 
	 
	 	 	 	 	 
	Establishment costs 	Establishment costs 	  	  	  
	  	  	Commitment fee 	DKK 	0.00 	  
	  	  	Loan transaction fee 	DKK 	1,000.00 	  
	  	  	  	  	  	  
	  	Total establishment costs to be debited to the account 	DKK	1,000.00
	 
	 	 	 	 
	Contents of the credit 	This credit facility contract consists of: 	  	  
	facility contract 	•	Part 1 Individual terms and conditions 	  
	  	•	Part 2 The bank’s General Terms and Conditions of Business.
    	  
	 	 	 	 
	 	 	 	 
	Part 1 Individual terms and conditions 	  	  	  
	 	 
	 	 
	Repayment and duration of the credit
      	 The credit facility shall be subject
        to renegotiation every year when the financial statements/annual report/annual
        statement from the Danish tax authorities are/is available. 

	  	  	  	  	  	  
	  	The debt shall not exceed the current line of credit. 	  
	 	 
	 	 
	Interest, commission and fee 	Lending rate of interest 

      The borrower shall pay a floating interest rate on the borrowings under
      the credit facility. 
	  	  	  	  	  	  
	  	The current rate of interest is 5.2500 per cent p.a.
    	  
	  	  	  	  	  	  
	  	Overdraft interest 	  	  	  
		 The borrower shall pay a separate
        interest rate (authorised overdraft interest) on any authorised overdraft.
        Authorised overdraft interest shall be calculated on the utilised part
        of the authorised overdraft. 

	 	Translation * Page 2 of 16 
	 	 
	 	  
	 	Page 2 of 13 
	 	Account: XXXXX
	 	Reference: 0026395860 

If the credit line is overdrawn
without prior agreement with the bank, or if the utilisation of the credit
facility contravenes any agreements entered into, the borrower shall pay
separate overdraft interest on such overdraft. 

Overdraft interest shall be payable
from the first day that the credit facility is overdrawn.

Deposit rate of interest
The
bank shall pay a floating interest rate on any account balance. The interest
rate shall correspond to Danske BID for DKK with a variable deduction fixed by
the bank, currently 0.6500 percentage points.

On 22 October 2004, Danske BID for DKK
was 2.15 per cent p.a. Danske BID is variable and fixed by the bank every
business day with effect from that same day.

Commission
The borrower
shall pay a variable commission on the credit line as fixed by the bank.

The current rate of commission is
0.0000 per cent p.a.

Fee
The bank shall be
entitled to charge a fee in connection with the ongoing administration of the
credit facility.

Addition of interest and
commission
Lending and deposit interest as well as commission shall be
added to the credit facility four times a year by the bank. Interest and
commission shall be calculated in arrears on 31 March, 30 June, 30 September and
31 December and added on the last business day of the above-mentioned months.
The first addition of interest shall take place at the end of this quarter.

The bank shall only add interest in
March, June and September if the lending rate of interest – after offsetting the
deposit interest – is higher than or equal to the minimum amount specified in
the bank’s brochure on the calculation of interest etc. Interest, which is
therefore not added, shall be carried forward by the bank and added in the
following quarter, however, not later than on the last business day in
December.

Changes
The bank may change
the floating lending rate of interest in accordance with its General Terms and
Conditions of Business.

The deposit rate of interest shall be
changed in accordance with any changes to Danske BID.

The bank may change the floating
interest rate supplement/deduction in accordance with its General Terms and
Conditions of Business.

The bank may change the floating
commission rates in accordance with its General Terms and Conditions of
Business.

	 	Translation * Page 3 of 16 
	 	  
	 	  
	 	Page 3 of 13 
	 	  
	 	Account: XXXXX 
	 	Reference: 0026395860 

	 	Bank statement

      Unless otherwise agreed, the bank shall send a bank statement after each
      addition of interest to the account. If desired, the bank may send several
      bank statements against payment.
	 	 
	 	 
	Duty to disclose 

      information to the

      bank	In the event of a change of address, the borrower shall inform
      the bank of such change of address.
	 	 
	 	The borrower shall be under an obligation
      to inform the bank of its financial affairs if requested to do so by the
      bank. This shall apply even if the bank has requested no such information
      when the loan was granted. 
	 	As such, the bank shall be entitled to demand
      disclosure of all accounting, budgetary and auditing information, including
      any long-form audit reports, which the bank may deem necessary in order
      to shed light on the borrower’s financial affairs. For companies,
      such information could be an audited annual report with specifications as
      well as budgets, and for other business borrowers, including owner-managed
      businesses, financial statements with a statement of income and assets.
	 	 
	 	Furthermore, the bank may demand information
      about the owner’s/principal shareholder’s personal finances,
      such as income tax returns, annual statements from the Danish tax authorities
      and budgets.
	 	 
	Information to 

      third-party 

      mortgagor/guarantor	The bank may inform any third-party mortgagors/guarantors
      of the balance of the facilities secured by a mortgage or a guarantee.
	 	 
	 	 
	Insurance premium

      on pledged assets	If the bank has a pledge on a car, boat and
      other chattels or real property and the pledged asset includes loss insurance
      and/or fire insurance, the borrower shall pay the premium fixed by the insurance
      company from time to time.
	 	 
	 	If security has been furnished by a third party, the borrower
      shall pay the insurance premium if it is not paid by such third party. 
	 	 
	 	 
	Calling-in	The borrower may terminate the credit facility contract and
      repay the outstanding debt, in full or in part, to the bank at any time.
	 	 
	 	Notwithstanding any repayment provisions, the bank may call
      in the loan at any time without notice. 
	 	 
	 	 

	Breach of contract 	The borrowings under the credit facility shall be repaid immediately,
      if:
	and other events of	 	 
	default	•	any amount under this credit facility contract is not paid
      when due

	Translation *
      Page 4 of 16 
	 
	  

	 	Translation * Page 5 of 16 
	 	  
	 	  
	 	Page 4 of 13 
	 	  
	 	Account: XXXXX 
	 	Reference: 0026395860 

	  	•	the borrower or guarantor 
			
      •
	
      becomes the subject of execution or attachment, suspends
      payments, becomes subject to insolvency proceedings, commences
      negotiations on debt restructuring or composition, including asking the
      bank or another creditor for voluntary composition 

			
      •
	
      takes up residence outside Denmark and prior to the move
      fails to make an agreement with the bank about how the borrowings under
      the credit facility should be repaid 

	  	  	•	dies 
			
      •
	
      discontinues its operations through a merger with another
      company or a demerger 

		
      •
	
      the value of security that the borrower or a third party
      has furnished in the form of shares, bonds, currency, mortgages or other
      price-sensitive securities, or in financial assets, is reduced
      significantly, and no additional security is furnished which is
      satisfactory to the bank within 14 days of the bank having requested such
      security 

		
      •
	
      insurance taken out on pledged items is not maintained,
      and if the pledgor does not, within 8 days of the bank having issued a
      written request for remedial action to be taken, produce a receipt proving
      that remedial action has been taken 

		
      •
	
      the bank estimates that there has been a significant
      negative change in the borrower’s or guarantor’s financial affairs
  

	  	•	the borrower does not inform the bank
      of its financial affairs as provided above under ”Duty to disclose
      information to the bank” 
	 	 	 
	 	 	 
	
      Environmental affairs 
	
      The borrower undertakes to comply with all environmental
      legislation in force from time to time and any environmental approvals
      that may apply to the borrower’s business. The borrower shall inform the
      bank of any changes in the environmental status of the borrower’s
      business. 

	 	 
	Other terms and 	The following shall also apply to the
      credit facility contract: 
	conditions 	  	  	  
		
      •
      
	
      Part 2 The bank’s General Terms and Conditions of
      Business unless derogated from in Part 1. 

	 	 	 
		
      The Terms and Conditions of Business contain, among other
      things, provisions on: 

	  	  	•	Interest, commission and fee 
	  	  	•	Offsetting 
	  	  	•	The bank’s liability in damages.

	 	Translation * Page 6 of 16 
	 	  
	 	 

	 	Page 5 of 13 
	 	  
	 	Account: XXXXX 
	 	Reference: 0026395860
  

	 	 
	 Borrower’s signature 
	 By signing this credit
        facility contract, the borrower accepts that the bank may change its General
        Terms and Conditions of Business subject to the notice specified in the
        Terms and Conditions of Business. 

	  	  	 	  
		 By signing this document,
        the borrower declares to owe Danske Bank A/S the borrowings under the
        credit facility from time to time plus interest, commission and any fees
        and costs. 

	  	  	 	  
		If there is more than one borrower, the
      borrowers shall be jointly and severally liable. 
	  	  	 	  
		 At the same time, the
        borrower acknowledges receipt of a copy of the credit facility contract.
      

	  	  	 	  
	  	  	 	  
	  	  	 	  
	  	[Handwritten] 25.10.04 	 	  
	  	Date 	 	  
	  	  	 	  
	  	  	 	  
	  	  	 	  
	  	  	 	  
	  	Binding signature 	 	Witness 
	  	Living Brands A/S 	 	  
	 	 	 	 
	 	 	 	 

	 	Translation * Page 7 of 16
	 	  
	 	

	 	Page 6 of 13 
	 	  
	 	Account: XXXXX 
	 	Reference: 0026395860
  

	 
	Part 2 General Terms and Conditions of
      Business 
	 
	  	  
	  	Valid from 15 October 2003 for both existing
      and new customers. 
	 	 
	  	  
	
      1. Introduction 
	
      The General Terms and Conditions of Business apply to all
      transactions between you and the bank. Here you can read about your rights
      and obligations and the rights and obligations of the bank. 

	  	  
		
      For some agreements the bank has more detailed rules
      which complement the General Terms and Conditions of Business. These
      include payment and credit card agreements, deposit agreements, securities
      trading and foreign exchange transaction agreements. You will receive a
      copy of these rules when you enter into such agreements with the bank.
    

	  	  
	  	  
		
      If the terms and conditions of any agreement you have
      entered into with the bank differ from those set out in the Terms and
      Conditions of Business, the terms and conditions of the agreement shall
      apply. 

	  	  
	 	 
	2. Change of the General Terms and Conditions
      of Business 
	  	  
		
      The bank may change the Terms and Conditions of Business
      by giving 1 month’s notice. 

	 	 
	  	  
	
      3. Authorisation 
	
      You may authorise a third party to access your accounts,
      deposits and safe- deposit boxes. Such authorisation is given in writing,
      usually by using the bank’s letter of authorisation. If you want to change
      or revoke the authorisation, this must also be done in writing. The
      change/revocation becomes effective when the bank has received a written
      notice from you. 

	  	  
		
      For owner-managed businesses the authorisation expires on
      the death of the principal, and accounts, deposits and safe-deposit boxes
      will be blocked until the probate court has decided on the administration
      of the estate. 

	 	 

	 	Translation * Page 8 of 16 
	 	 
	 	  
	 	Page 7 of 13 
	 	
	 	Account: XXXXX 
	 	Reference: 0026395860 

4. Reservations concerning cover and processing of
payments/transfers from other banks

	 	I. Cover reservations concerning
      payments 
		
      All payments made to your account are recorded by the
      bank. Non-cash payments (such as cheques) are subject to the bank actually
      receiving the amount. If a cheque bounces, we will draw the amount from
      your account again. This also applies to cheques received from Danske Bank
      customers. The bank will notify you of any retransfers from your account.
      Please note that the reservation applies even if it is not mentioned on
      receipts or any other notices concerning the payment. 

	 	  
	 	II. Processing of payments and transfers
      from other banks 
		
      When a deposit is made into an account with the bank, for
      example a transfer from another bank etc., the money will always be
      deposited in the account having the specified account number. This means
      that the bank does not consider any other information such as the account
      holder’s name. 

	 	Translation * Page 9 of 16 
	 	  
	 	  
	 	Page 8 of 13 
	 	  
	 	Account: XXXXX 
	 	Reference: 0026395860 

	 	 
	5. Checking bank statements 	  
	  	  	  
		
      You should check your
        bank statements carefully for any unauthorised account movements. 

	  	  	  
		
      If you discover any
        such movements, you must contact the bank as soon as possible. 

	 
	  	  	  
	6. The bank’s access to retransfer money
    
	  	  	  
		
      The bank may retransfer
        any amounts deposited to your account by an apparent mistake made by the
        bank, for example if the same amount is deposited twice. The same applies
        if we are required to make a retransfer under any agreements entered into
        with other Danish banks. The bank will notify you of any retransfers from
        your account. 

	 	 
	  	  	  
	7. Interest and 	I. About interest and commission rates in general
    
	commission 	You can obtain information about the current rates
      at the bank. 
	  	II. Change in interest and commission rates
    
		If you have an agreement with the bank for a fixed
      interest or commission rate or any other interest terms or interest rates,
      the bank’s right to change them will appear from your agreement with
      the bank. 
	  	  	  
		
      In other cases, the
        bank may change the floating interest and commission rates for deposits
        and loans without notice, if: 

		
      1. 
	
      monetary policy or credit policy
        changes in Denmark or abroad affect the general level of interest in a
        way which is important to the bank 

		
      2. 
	
      any other development occurs
        in the general level of interest, including in the money and bond market,
        which is important to the bank 

		
      3. 
	
      any market conditions, including
        competitive conditions in Denmark and abroad, warrants a change in one
        or several account types 

		
      4. 
	
      the bank – independently
        of the development in the general level of interest – wishes to change
        its general interest rate fixing and pricing for commercial reasons, for
        example to protect earnings or to utilise its resources or capacity in
        a more expedient way. 

	  	III. Calculation and addition of interest and
      commission 
		
      The bank lays down
        the terms and conditions applying to the calculation and addition of interest
        and commission as well as the fixing of an interest date (validation).
        Such terms and conditions may be changed by the bank from time to time
        without notice. 

	  	  	  
		
      You can pick up a brochure
        on the calculation of interest etc. at the bank. Here you can read more
        about the calculation and addition of interest and interest dates. 

	 	Translation * Page 10 of 16 
	 	  
	 	 

	 	Page 9 of 13 
	 	  
	 	Account: XXXXX 
	 	Reference: 0026395860
  

	  	IV. Overdraft and default interest 
		
      The bank is entitled to charge overdraft or default
      interest if your account is overdrawn or you are in default. 

	 	 
	  	  	  
	8. Fee 	I. About about fees in general 
		
      The bank normally charges a fee for services such as
      making payments to an overseas account, retrieving records and documents,
      making photocopies, performing special tasks for you and for sending out
      dunning letters. 

	  	  	  
		
      The bank also charges a fee for answering questions from
      public authorities, such as the tax authorities, which we are bound by law
      to answer. 

	  	  	  
	  	You can obtain information about fees at the bank.
    
	  	  	  
	  	II. Calculation of fee 
	  	A fee is either calculated as: 
	  	  	  
	  	•	a fixed amount 
	  	•	a percentage 
	  	•	an hourly rate 
	  	  	  
	  	or as a combination of the three. 
	  	  	  
	  	III. Change in fee 
		
      When talking about fees, it should be noted that there is
      a difference between “ongoing contractual relationships” and “one-off
      services”. “One-off services” are when you exchange currency at the bank,
      for example, or when you buy or sell securities. “Ongoing contractual
      relationship” on the other hand is an agreement, usually of a specified
      duration. It could, for example, be an agreement concerning an account or
      on the bank’s online systems. 

	  	  	  
		
      The bank may reduce the fees without notice. The bank may
      also introduce and increase fees for specific services without notice. The
      same applies to new ongoing contractual relationships. 

	  	  	  
		
      For existing ongoing contractual relationships, the bank
      may increase the fees you pay on a regular basis by giving 1 month’s
      notice, if: 

		
      1. 
	
      any market conditions, including competitive conditions
      in Denmark and abroad, warrants a change in one or several fees 

		
      2. 
	
      the bank wishes to change its general fee structure and
      pricing for commercial reasons, for example to protect earnings or to
      utilise its resources or capacity in a more appropriate way. 

		
      3 
	
      any significant changes are made to the basis on which
      your individual fee terms were fixed, i.e. changes to your business
      relationship with the bank, such as changes to the size and scope of your
      deposits, loans or credit facilities. 

	 	Translation * Page 11 of 16 
	 	  
	 	  
	 	Page 10 of 13 
	 	  
	 	Account: XXXXX 
	 	Reference: 0026395860 

		
      If, for business reasons, the bank introduces new fees to
      existing ongoing contractual relationships, it will do so at 1 month’s
      notice. Such fees will be charged for services for which we have not
      previously charged a fee, and may be done to protect earnings or to
      utilise our resources or capacity in a more expedient way. 

	 	 
	  	  	  
	9. Notification of changes in interest and
      commission rates and fees 
	  	  	  
		
      The bank will place an advertisement in the daily press
      or send you a letter if we change our interest and commission rates and
      fees. The new interest and commission rates will also appear from the
      first bank statement or account statement you receive after the change.
      

	  	  	  
		
      If the interest and commission rates or fees are changed
      due to changes in the basis on which your individual terms of interest,
      commission or fees were fixed, the bank will inform you by letter.
  

	 	 
	  	  	  
	10. The bank’s entitlement to reimbursement of
      various expenses 
	  	  	  
		The bank is entitled to reimbursement of the following:  
	  	  	  
		
      •
      
	
      Amounts which the bank pays on your behalf, for example
      taxes and duties and communication expenses 

		
      •
      
	
      expenses incurred by the bank if you are in breach of
      your contracts, for example payment of insurance premiums concerning
      pledged security, court expenses, legal assistance etc. 

	 	 	 
	  	  	  
	
      11. Foreign transactions 
	
      If you want us to carry out transactions for you in/to a
      foreign country – including money transfers – we choose the foreign bank
      or similar institution unless otherwise agreed. 

	  	  	  
		
      Except for deposits of foreign securities, the bank is
      not liable for any errors made by the bank chosen or for its financial
      soundness. 

	  	  	  
		
      Both you and the bank must respect the terms and
      conditions of the foreign banks and the legal rules and practices
      governing the completion of the transaction. 

	  	  	  
	  	  	  
		
      At the bank you can get a detailed brochure on foreign
      payments to and from Denmark. 

	  	  	  
	  	  	  
	12. The bank’s access to offsetting 
	  	  	  
		
      The bank is entitled to offset any due or undue
      receivable from you against any receivable that you may have from us
      without prior notice. 

	 	Translation * Page 12 of 16 
	 	  
	 	 

	 	Page 11 of 13 
	 	  
	 	Account: XXXXX 
	 	Reference: 0026395860
  

	 	 
	13. Electronic messages 	  
	 	  	  
	 	
      The bank may send you all information electronically,
      even if words such as “in writing”, “letter”, “bank statement” etc. are
      used in our documents, rules etc. This can only be done to the extent that
      it is possible under current law, or if an agreement has been entered into
      with you. 

	 	 
	 	  	  
	14. Recording telephone conversations
  
	 	  	  
	 	
      The bank reserves the right to record telephone
      conversations to be able to determine the contents of the conversation.
      

	 	  	  
	 	
      This is usually only done in connection with currency and
      securities trading. The recordings are for the bank’s internal use only.
      

	 	 
	 	  	  
	15. Termination of customer relationship
    
	 	  	  
	 	
      You or the bank may at any time and without notice
      terminate the customer relationship unless otherwise agreed with us. If
      the bank terminates the customer relationship, we will specify the cause
      of such termination. 

	 	  	  
	 	
      When the customer relationship ends, we may cancel any
      guarantees furnished by us and discharge ourselves from other commitments,
      including foreign currency commitments made by us on your behalf.
  

	 	  	  
	 	
      At the same time, you must discharge us from any
      commitments made by us on your behalf and provide security for such
      commitments if we deem it necessary. 

	 	 
	 	  	  
	16. The bank’s liability in damages 
	 	  	  
	 	
      The bank is liable in damages if its fulfilment of agreed
      obligations is delayed or inadequate due to error or neglect. 

	 	  	  
	 	
      Even in areas where stricter liability applies, the bank
      is not liable for losses caused by: 

	 	  	  
		
      •
      
	
      breakdown of/lack of access to IT systems or damage to
      data stored in such systems which is attributable to the events described
      below, regardless of whether the bank itself or an external contractor is
      responsible for the operation of the systems 

		
      •
      
	
      failure in the bank’s power supply or telecommunications,
      statutory intervention or administrative acts, natural disasters, war,
      rebellion, civil unrest, acts of sabotage, terrorism or vandalism
      (including computer viruses and hacking) 

		
      •
      
	
      strike, lockout, boycott or picketing, regardless of
      whether the dispute is aimed at or initiated by the bank itself or its
      organisation and regardless of the cause of such dispute. This also
      applies if the dispute affects only parts of the bank’s operations
  

	 	•	other circumstances which are beyond the bank’s control.
    

	 	Translation * Page 13 of 16 
	 	 

	 	Page 12 of 13 
	 	 
	 	Account: XXXXX 
	 	Reference: 0026395860
  

	 	The bank is not exempt from
      liability, if: 
	 	
      •
      
	
      it should have predicted the circumstance which caused
      the loss when the agreement was made or should have avoided or overcome
      the cause of the loss 

	 	
      •
      
	
      legislation in any case holds the bank liable for the
      circumstance which caused the loss. 

	 	  	  
	Further information about your
      relationship with the bank 
	 	I. Guidelines for handling and
      passing on customer information 
	 	  	  
	 	The bank’s information about
      customers 
	 	
      The bank receives information about you and your
      accounts, for example your name, address and civil reg. no./CVR no. Such
      information is typically used for administrative purposes, credit rating
      and advising and to allow us to provide the financial services that the
      bank and the Danske Bank group is currently offering and will offer in
      future. 

	 	  	  
	 	
      In the following you can learn more about the situations
      that decide when we can and must pass on information. 

	 	When does the bank pass on
      information? 
	 	 By law, all employees
        of the bank are required to observe a duty of confidentiality and must
        not disclose or exploit confidential information about you without proper
        authorisation.

        In some cases, the bank is under an obligation to pass on information
        to public authorities, such as the tax authorities.

        In other cases, we pass on information to the extent permitted by law.
        For example, we pass on your name and address when you want to transfer
        amounts to accounts with other banks. This is done so the recipient of
        the amount knows who made the deposit.

        Finally, the bank may pass on information if you have authorised it to
        do so. You can always change your consent or withdraw it. To allow you
        to keep track of your consents, we will send you a specification once
        a year of the information which is disclosed, the purpose of such disclosure
        and the recipients of the information. 

      
	 	Passing on information within the
      Danske Bank group 
	 	
      The bank may pass on information to other companies in
      the Danske Bank group without your consent if it can be classified as
      usual customer information such as names and addresses. The recipient
      must, of course, also observe a duty of confidentiality. The information
      will be used for advising, administration and marketing. 
To enable us
      to offer you the best possible advice, regardless of which branch or
      company in the Danske Bank group you contact, we ask for your consent to
      pass on information for use in credit rating and interest fixing. This
      would allow us to offer prices and terms which, among other things,
      reflect your level of business with the group. 

	 	  	  
	 	  	  
	 	Whether you want to give such consent
      or not is, of course, up to you. 

	 	Translation * Page 14 of 16 
	 	 
	 	 

	 	Page 13 of 13 
	 	
	 	Account: XXXXX 
	 	Reference: 0026395860
  

Insight into information recorded
about you by the bank
You can always contact the bank for a specification
of the information it has recorded about you.

If the bank’s information is
incorrect
If it turns out that the information recorded about you by the
bank is incorrect, the bank will, of course, correct the information
immediately. At the same time, the bank will inform any third parties who have
received the incorrect information.

If you wish to complain about the
bank’s handling of customer information
Any complaints about the bank’s
handling of information about you must be addressed to: 

Danske Bank, Holmens Kanal 2-12, 1092
Copenhagen K, Denmark 

or to

The Danish Data Protection Agency
(Datatilsynet), Borgergade 28, 5., 1300 
Copenhagen K, Denmark

Email: dt@datatilsynet.dk

II. Order on best practice for
financial enterprises
The Danish Ministry of Economic and Business
Affairs has issued an order on best practice for financial enterprises.

Referring to this order, we would like
to point out that the bank in some cases receives commission or other fees on
the sale of a partner product or when the bank refers a customer to another
company. This may, for example, be the case when the bank arranges mortgage
credit loans, factoring schemes or insurance policies or refers a customer to an
estate agent. You can find information about the bank’s partners on its website
www.danskebank.dk.

You can also view the order on best
practice for financial enterprises on the bank’s website.

	Translation *
      Page 15 of 16 
	 
	  

III. The Guarantee Fund for
depositors and investors
As a customer of the bank, you are to some
extent secured against losses through the Guarantee Fund for depositors and
investors in the event that the bank files for bankruptcy or suspension of
payments.

The Guarantee Fund covers, among other
things, deposits with banks by up to DKK 300,000 per depositor.

The Guarantee Fund covers any losses
suffered by you as an investor as a result of your bank’s inability to return
the securities which are held or managed by the bank. The Guarantee Fund
provides compensation of up to EUR 20,000 per investor.

The Guarantee Fund for depositors and
investors has published a brochure where you can read more about the extent to
which you are insured. You can obtain the brochure from all the bank’s branches
or at www.garantifonden.dk.

IV. Customer of both Danske Bank
and BG Bank
Please note that BG Bank is a division of Danske Bank.
Information about your customer relationship will therefore also be available to
BG Bank, and if you have an account/deposit with BG Bank, you will be considered
as one depositor/investor of your total deposit/holding of securities in
relation to the Guarantee Fund’s rules on cover.

V. Supervision
The bank is
under the supervision of
The Danish Supervisory Authority
(Finanstilsynet), Gl. Kongevej 74 A. 
1850 Frederiksberg C, Denmark
Tel. +45 33 55 82 82 
www.finanstilsynet.dk

Danske Bank A/S
Holmens Kanal 2 - 12, 1092 Copenhagen K,
Denmark 
Tel. +45 33 44 00 C0, fax. +45 33 44 28 85 
www.danskebank.dk

SIGNATURE: CHAIRMAN BENT HELVANG

/s/ Bent
Helvang
___________________________________

	Translation *
      Page 16 of 16 
	 
	  

THIS IS TO CERTIFY

that the foregoing

“Credit facility contract”

is a true and faithful translation of the attached copy 
in
the Danish language produced to me.

This translation consists of fifteen (15) pages.

In witness whereof I have hereonto set 
my hand and affixed
my seal of office 
this 8th day of November 2007.

Malene Popov
Sworn Translator and Interpreter of the English
language 
Aarhus, Denmark

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