By way of first legal mortgage, the properties owned by the borrower;. By way of fixed charge, all future properties acquired; all present and future interests in or over freehold or leasehold property; all present and future rights, licences, guarantees, rents, deposits, contracts, covenants and warranties relating to the properties; all licences, consents and authorisations held or required in connection with the borrower's business or the use of any charged property; all present and future goodwill and uncalled capital; all equipment; all intellectual property; all book debts; all investments; all monies standing to the credit of its accounts with any bank/financial institution.