[EXHIBIT 10.13]

                      [LETTERHEAD OF THE COMPANY]

In _________ on February ____, 2003
V _________dne ____ unora 2003

To:   ABN AMRO Bank N.V., a company established and existing under the
      law of the Netherlands with its registered office at Gustav
      Mahlerlaan 10, 1082 PP Amsterdam, the Netherlands, conducting its
      business in the Czech Republic through its branch ABN AMRO Bank
      N.V., with its registered office at Lazarska 3/1718, Prague 1,
      Postal Code 110 00, Czech Republic, Identification No. 47 60 79
      21 (the "Bank")
      ABN AMRO Bank N.V., se sidlem na adrese Gustav Mahlerlaan 10,
      1082 PP Amsterdam, Nizozemi, spolecnosti zalozene a existujici
      dle zakonu Nizozemi a provozujici svou obchodni cinnost v Ceske
      republice prostrednictvim sve pobocky ABN AMRO N.V, se sidlem na
      adrese Lazarska 3/1718, Praha 1, PSC 110 00, Ceska republika,
      IC 47 60 79 21 (dale jen ,,banka")

                       Letter of Subordination
                         Dopis o podrizenosti

This Letter of Subordination confirms our consent, i.e. consent of SDC
International, Inc., a company established and existing under the laws
of _____________, with its registered office at 30 Old Rudnick Land,
City of Dover, County of Kent, Delaware 19901, the U.S.A., to
subordinate any and all outstanding debt owing to us (the "outstanding
debt") by TATRA, a.s., a company established and existing under the
laws of the Czech Republic, with its registered office at Stefanikova
1163, Koprivnice, Identification No. 45 19 34 44 (the "Borrower")
towards the Borrower's obligation arising out from the Uncommitted
Combined Credit Facility Agreement, Ref. No. 2001/1410 concluded
between the Borrower and the Bank on October 25, 2001, as amended by
Amendment No.1 concluded on April 18, 2002 and Amendment No. 2
concluded on August 29, 2002 (the "Credit Agreement") under which the
Borrower shall have the right, under the terms and conditions set out
therein, to draw a credit facility up to the maximum amount of USD
10,000,000 (the "Credit Facility"). The subordination shall apply to
the principal as well as to all accrued interest and other
appurtenances and all fees arisen in connection with the Credit
Agreement.
Tento dopis o podrizenosti potvrzuje nas souhlas, tj. souhlas SDC
International, Inc., spolecnosti zalozene a existujici dle prava
_____________, se sidlem na adrese 30 Old Rudnick Land, City of Dover,
County of Kent, Delaware 19901, USA, k podrizeni veskerych nasich
peneznich pohledavek ("nase pohledavky") vuci obchodni spolecnosti
TATRA, a.s., zalozene a existujici dle prava Ceske Republiky, se
sidlem na adrese Stefanikova 1163, Koprivnice, IC 45 19 34 44 (dale
jen "dluznik") vuci pohledavkam banky vyplyvajicim ze Smlouvy o
nezavazne kombinovane uverove lince, ref. c 2001/1410, uzavrene mezi
dluznikem a bankou dne 25.rijna 2001, ve zneni jejiho dodatku c. 1 ze
dne 18.dubna 2002 a dodatku c. 2 ze dne 29.srpna 2002 (dale jen
"uverova smlouva"), na zaklade niz ma dluznik pravo za podminek
stanovenych smlouvou cerpat uver az do vyse 10.000.000,- USD (dale jen
"uver"). Podrizeni nasich pohledavek se vztahuje jak na jistinu, tak i
na nabehly urok a jine prislusenstvi uveru stejne jako na poplatky
uctovane v souvislosti s uverovou smlouvou.

We hereby undertake that the outstanding debt will be subordinated to
Credit Facility, thus we assure that the Credit Facility will be paid
off first and prior to the outstanding debt.
Timto se zarucujeme, ze nase pohledavky budou podrizeny uveru, tedy ze
nase pohledavky budou splneny teprve pote, kdy bude plne uhrazen uver.

Whereas we indirectly own 51% of the nominal value of the issued
shares capital of the Borrower to which voting rights in the Borrower
are assigned, we hereby further represent and warrant that we shall
arrange and


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ensure that no dividends from the profit of the Borrower shall be
distributed among its shareholder for the entire duration of any
obligations of the Borrower under the Credit Agreement.
Vzhledem k tomu, ze neprimo vlastnime 51% celkove jmenovite hodnoty
akcii dluznika, s nimiz je spojeno hlasovaci pravo, prohlasujeme a
zarucujeme, ze zajistime, ze po dobu trvani jakychkoliv zavazku z
uverove smlouvy nebude rozdelen podil na zisku dluznika (dividendy)
mezi jeho akcionare.

This Letter of Subordination shall remain valid and effective until
the moment the Bank informs us in writing that the Credit Facility has
been fully repaid by the Borrower, to the address mentioned above.
Tento dopis o podrizenosti zustane platny a ucinny az do te doby,
dokud nam banka na vyse uvedenou adresu nedoruci oznameni, ze uver byl
dluznikem zcela uhrazen.

We hereby represent and warrant that the execution, delivery and
performance of this Letter of Subordination has been duly authorised
by all necessary actions and will not violate any provisions of
applicable laws or regulations or any order of any court or regulatory
body or any agreement made between us and any third party.
Timto prohlasujeme a zarucujeme, ze vyhotoveni a plneni zavazku z
tohoto Dopisu o podrizenosti bylo radne schvaleno a neporusuje tak
zadne zakony, narizeni ani vyhlasky nebo rozhodnuti soudnich organu
ani neporusuje zadnou smlouvu uzavrenou mezi nami a jakoukoliv treti
osobou.

If we shall in any way act contrary to any provision contained in this
Letter of Subordination, we shall be liable to pay the Bank upon its
demand and instead of the Borrower the amount due under the Credit
Facility. No cancellation, reduction, continuation or increase of the
Credit Facility shall affect the subordination made by us hereunder.
Budeme-li jednat v rozporu s nekterym prohlasenim ci zavazkem ucinenym
v tomto dopise o podrizenosti, zavazujeme se, ze Vam namisto dluznika
a na Vasi zadost splatime vsechny penezni zavazky splatne v ramci
uveru. Jakekoli zruseni, snizeni, pokracovani ci navyseni uveru nebude
mit vliv na podrizenost, k niz jsme se timto dopisem zavazali.

This Letter of Subordination is made in one bilingual English-Czech
copy. In case of any discrepancy between the English and Czech
versions, the English language version shall prevail.
Tento dopis o podrizenosti byl podepsan v jednom vyhotoveni v
anglicko-ceske jazykove verzi. V pripade jakehokoliv rozporu mezi
anglickou a ceskou jazykovou verzi je rozhodujici zneni v jazyce
anglickem.

This Letter of subordination is construed in accordance with and
governed by the laws of Delaware, the U.S.A.
Tento Dopis o podrizenosti se ridi pravem statu Delaware, USA.

Sincerely,
S pozdravem,

SDC INTERNATIONAL INC.


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