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STANDBY LETTER OF CREDIT <br />August 1, 2002 <br />Page 3 <br />PLEASE EXAMINE this Letter of Credit at once. If you feel <br />any of its requirements, either singly or together, please contai <br />immediately to see if the Letter of Credit can be amended. Ot <br />losing payment under this letter of credit for failure to comply s cf <br />as written. <br />Under no circumstances shall issuer be held n <br />other difficulty in achieving strict compliance with the rE <br />precisely as written. Beneficiary understands and acki <br />the present wording of this Letter of Credit is amended <br />the burden of complying strictly with such wording ren <br />(ii) that issuer is relying upon the lack of such ameru <br />initial and continued approval of such wording. <br />If any aspect of this Letter of Credit is <br />by any court or governmental body having j~ <br />this Letter of Credit shall be deemed null <br />beneficiary shall be restored to the positio <br />available as though this letter if credit had <br />shall override all other provisions in this tt~ <br />appears within the letter's body. <br />Very truly ~ <br />The Home <br />)able to meet <br />the customer <br />rise, you risk <br />with its terms <br />isi a for any impossibility or <br />ents of this Letter of Credit <br />.dges (i) that unless and until <br />issuer's prior written consent, <br />solely upon beneficiary; and <br />t as constituting beneficiary's <br />ve declared unenforceable for any reason <br />i action, issuer's entire engagement under <br />nd void ab initio, and both issuer and <br />each would have occupied with all rights <br />;r occurred. This non-severability provision <br />of credit, no matter where such provision <br />Howard C. Wigert <br />Vice President <br />