SCHEDULE AGREEMENT

By Certificate of Deposit dated the 9th day of November, 2007 (“CD”) the terms of which are incorporated by reference herein, the Account Holder has placed the sum of US $20,000,000.00 into a fixed deposit with the Bank at an interest rate of 5.00% per annum, for a term of three years (“the Deposit”) upon such terms and

1.            In consideration of the Deposit, the Bank and the Account Holder hereby agree that the Bank shall have the irrevocable right and option without limitation and at its sole discretion to swap the CD and all the rights and obligations contained therein at any time during its term with that certain Annuity Policy evidenced by certificate #NPH-SWAP-2007-GBC-0l (“the Annuity”) issued to the Bank by NatProv Holdings Inc. a corporation registered under the laws of the British Virgin Island and authorized to issue insurance products and services (the“Annuity Issuer”) annexed hereto as Schedule A.

2.            The Account Holder hereby irrevocably agrees to the swap by the Bank of the CD with the Annuity (the “Swap”) and agrees to exchange and accept the terms and conditions of the CD with the terms and conditions contained in the Annuity Policy.

4.            The Account Holder acknowledges and agrees that the interest rate of the Annuity shall be adjusted at the time of the Swap to reflect the interest rate stated in the CD.

5.            The Bank and the Account Holder hereby agree that subject to the prior written agreement of both parties having been obtained, the CD may be exchanged from time to time with any other investment instrument provided by the Bank provided that the Swap right and option shall be preserved and transferred to such other instrument.

6.            The Account Holder hereby represents and warrants to the Bank that the deposit and the terms of investment authorized and agreed herein in respect of the CD and the Annuity (i) does not and will not violate, conflict or result in the breach of the articles of incorporation by-laws or other organizational documents and authority of the Account Holder; (ii) does not conflict with or violate any law or governmental order applicable to the Account Holder; (iii) does not violate, conflict with or result in the breach of any regulatory or licence requirements applicable to the Account Holder and that the persons authorized to execute this Agreement and the CD on behalf of the Account Holder have been duly authorized in accordance with the terms of its organizational documents.

7.            The Bank hereby represents and warrants to the Account Holder that deposit and the terms of investment authorized and agreed herein in respect of the CD and the Annuity (i) does not and will not violate, conflict or result in the breach of the articles of incorporation by-laws or other organizational documents and authority of the Bank; (ii) does not conflict with or violate any law or governmental order applicable to the Bank; (iii) does not violate, conflict with or result in the breach of any regulatory or licence requirements applicable to the Bank and that the persons authorized to execute this Agreement, the CD and the Annuity on behalf of the Bank have been duly authorized in accordance with the terms of its organizational documents.