Tom Sakaja a sole trader carrying on a business in the printing industry has asked Milele Bank Limited to advance him Sh.500,000 as additional working capital. The bank is prepared to advance the money on condition that Tom Sakaja offers a security. Tom Sakaja has a share certificate for 5,000 shares issued Jewel Company Limited. Tom Sakaja wants to know whether he can use the shares whose value is Sh.650,000 as a security for the loan. He further seeks to know whether he would still receive dividends even after he has charged the shares to the Bank. Advise Tom Sakaja.