Ann: Appendix 3Y - Cook, page-33

Here are the details of the loan agreement (if you haven't read it already).

A loan agreement will be entered into by the Company and the
Plan participants in connection with the acquisition of ESP Shares
under the Plan, as follows:
x if a participant accepts an offer to receive ESP Shares, they
will be taken to have agreed to borrow from the Company
on the terms of the loan agreement described below, an
amount to fund the purchase of the ESP Shares;
x until the loan to a participant is fully repaid, the Company
has a first right of refusal to buy back the ESP Shares for the
issue price if the participant wishes to sell the ESP Shares; and
x once the loan is repaid in full (and subject to any other
restrictions on disposal imposed by the Plan), a participant
may deal with the ESP Shares as they wish.
The principal provisions of the loan agreement include that:
x the loan amount will be equal to the issue price of the ESP
Shares multiplied by the number of ESP Shares issued;
x the loan can be repaid at any time but a participant must
repay any amount outstanding to the Company within 30
days of termination of employment. All dividends declared
and paid on the ESP Shares will be applied towards
repayment of the advance;
x there is no interest on the loan;
x the maximum liability in respect of the loan will be the value
of the ESP Shares from time to time; and
x a holding lock will be placed on the ESP Shares until the loan
is fully repaid.