Mr Lim borrowed RM200,000 from Bank X Berhad to finance the purchase of a piece of land in Kuala Lumpur. The land was then charged in favour of Bank X Berhad as security. The charge was registered on January 2^nd 2009.

In January 2010, Mr Lim built a house on that piece of land with his own money. Mr Lim's house had a swimming pool, air-conditioners and he also planted 10 mango trees.

Advise Bank X Berhad whether the house, swimming pool, air-conditioners and the 10 mango trees are covered under the charge in the event of foreclosure.