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EXPIRATION DATE. This Letter of Credit expires at the close of business at Issuer's address at 12:01 A.M. (Time) <br />on 03.27.2013 (Date). Issuer agrees to honor all Drafts presented in <br />strict compliance with the provisions of this Letter of Credit on or before the Expiration Date. <br />® If Beneficiary has not drawn the full amount of this Letter of Credit prior to the Expiration Date, the Expiration Date shall be <br />extended for a period of days from the Expiration Date, unless Issuer notifies Beneficiary in writing at least <br />90 days prior to the Expiration Date that Issuer elects not to extend this Letter of Credit. In any event, this Letter <br />of Credit shall expire on without any notice from Issuer to Beneficiary. <br />TRANSFERABILITY. This Letter of Credit is ❑ transferable ® non - transferable. <br />APPLICABLE LAW. This Letter of Credit shall be governed by: <br />® the Uniform Customs and Practice for Documentary Credits, 2007 Revision, International Chamber of Commerce Publication <br />No. 600 (UCP), or any later version or amendment. <br />❑ the International Standby Practices 1998 (ISP98). <br />This Letter of Credit shall also be governed by the laws of COLORADO , the United States of <br />America, so long as such laws are not inconsistent with the UCP or ISP, as applicable. <br />THE FIRST NATIONAL BANK IN TRINIDAD <br />(Issuer Name) <br />By <br />rn CI 2 6,7 / ! 2. <br />(Signature) (Date) <br />JEFF MANGINO- NMLS#459420, PRESIDENT <br />(Signer Name and Title) <br />Irrevocable Standby Letter of Credit <br />VMP® Bankers SystemstM <br />Wolters Kluwer Financial Services m 2001, 2009 <br />LC- STANDBY 9/11/2009 <br />VMPC612 109091.00 <br />Page 2 of 2 <br />