ISSUE DATE: XX/XX/XX

                                                               L/C NO.: X-XXXXXX

ADVISING BANK:

APPLICANT:

DIRECT APPLICANT NAME

APPLICANT ADDRESS

CITY, STATE ZIP

BENEFICIARY:

BENEFICIARY NAME                               AMOUNT:

USD XX, XXX.XX

BENEFICIARY ADDRESS

CITY, STATE ZIP

WE HEREBY ESTABLISH OUR IRREVOCABLE STANDBY LETTER OF CREDIT NO. X-XXXXXX EXPIRING
XX/XX/XX AT OUR COUNTERS WHICH IS AVAILABLE UPON PRESENTATION TO US OF YOUR SIGHT 
DRAFT(S) DRAWN ON THE BOATMEN'S NATIONAL BANK OF ST. LOUIS, ST. LOUIS, MISSOURI, 
ACCOMPANIED BY:

BENEFICIARY'S SIGNED STATEMENT THAT:

"OUR DRAFT REPRESENTS AN AMOUNT DUE US AS [APPLICANT] HAS FAILED TO PAY OUR 
INVOICE(S) WITHIN AGRED UPON TERMS AND SUCH INVOICE(S) REMAIN UNPAID, ALTHOUGH 
JUSTLY DUE AND OWNING."

COPY OF INVOICE(S) DEEMED UNPAID.

THE ORIGINAL LETTER OF CREDIT AND AMENDMENT(S), IF ANY, MUST BE PRESENTED FOR 
ENDORSEMENT AT TIME OF DRAWING.

WE HEREBY ENGAGE WITH DRAWERS THAT DRAFT(S) DRAWN AND NEGOTIATED IN CONFORMITY 
WITH THE TERMS OF THIS CREDIT WILL BE DULY HONORED ON PRESENTATION. DRAFT(S) MUST
BEMARKED AS DRAWN UNDER THIS CREDIT.

THIS LETTER OF CREDIT IS SUBJECT TO THE UNIFORM CUSTOMS AND PRACTICES FOR 
DOCUMENTARY CREDITS, 1993 REVISION, INTERNATIONAL CHAMBER OF COMMERCE PUBLICATION 
500.


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AUTHORIZED SIGNATURE