Document:

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                                                                   EXHIBIT 10.14

                                     NEDBANK

                                  NEDBANK HOUSE
                20 ABCHURCH LANE, LONDON EC4N 7AD, UNITED KINGDOM
                       TELEPHONE (0171) 623-1077 (GENERAL)
    TELEPHONE (0171) 623 1329 (FOREX DEALERS) (0171) 623-2763 (CORP DEALERS)
                              FAX: (0171) 621-9304
              TELEX 886208, 8956177 (GENERAL) TELEX 8956269 (FOREX)
                          TELEGRAM: "VASCOGAMA" LONDON

Our Ref. CREDIT/DJE/KL

8th April, 1998

The Directors,
Union Transport Inc.
PO Box 134
Town Mills Trinity Square
St. Peter Port
Guernsey
Channel Islands

Dear Sirs,

We are pleased to advise you that Nedcor Bank Limited, ('the BANK"), has agreed
to provide to Union Transport Inc., ("the BORROWER") a multicurrency multi
option facility ("the FACILITY") in the aggregate principal amount of
(pound)9,620,000 ("the LIMIT") or its equivalent in any other currency or
currencies at the discretion of the Bank (a "PERMITTED CURRENCY") on the terms
and conditions detailed below.

1.   UTILISATION

1.1  CONDITIONS PRECEDENT The Facility may only be utilised when the Bank
     notifies the Borrower that it has received, in form and substance
     satisfactory to the Bank, the documents and evidence specified in schedule
     I provided that if the Bank in its sole discretion allows the Borrower to
     utilise the Facility - prior to the Bank's receipt of such documents, such
     documents shall be delivered to the Bank within 30 days.

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1.2  FACILITY OPTIONS Subject to paragraph 2, the Facility may be utilised on
     any business day by way of the following options (each an "OPTION") and in
     accordance with the provisions of the schedules relating to such Options
     (such schedules form part of the terms and conditions of this facility
     letter and terms used in this facility letter which are not defined herein
     are defined in the schedules):-

         (i)    an overdraft (the "OVERDRAFT") of up to (pound)500,000 or its
                equivalent in any combination of Permitted Currencies or the
                unutilised portion of the Facility if less (see schedule 2)-,
                and/or

         (ii)   revolving short term loan (the "STL") for amounts of up to
                (pound)2,500,000 or its equivalent in any combination of
                Permitted Currencies or the unutilised portion of the Facility
                if less (see schedule 3); and/or

         (iii)  letter of credit facility (the "L/C FACILITY") for amounts of up
                to (pound)l52m or its equivalent in any combination of
                Permitted Currencies with any additional utilisation to be taken
                within the Guarantee Facility or Performance Bond Facility
                Limits as appropriate (see schedule 4); and/or

         (iv)   guarantee facility (the "Guarantee Facility") for amounts of up
                to (pound)3,000,000 or its equivalent in any combination of
                Permitted Currencies (see schedule 5) and/or

         (v)    performance bond facility (the "Performance Bond Facility") for
                amounts of up to E2,100,000 or its equivalent in any combination
                of Permitted Currencies (see schedule 5)

                PROVIDED THAT THE AGGREGATE OF ALL OF THE UTILISATION UNDER ALL
                OF THE OPTIONS SHALL NOT AT ANY TIME EXCEED THE LIMIT.

1.3  STERLING EQUIVALENT The Sterling equivalent of any Permitted Currency
     utilised or available to be utilised under the Facility shall be calculated
     by the Bank at any time and from time to time by reference to the Bank's
     then spot rate of exchange in the London Interbank Market for the purchase
     of the relevant Permitted Currency with sterling (the "STERLING
     EQUIVALENT"). The aggregate Sterling Equivalents of all utilisation's made
     or requested under the Facility will be calculated at such time as the Bank
     shall determine before any utilisation for the purpose of determining
     compliance with the relevant option limit and the Limit and, at any other
     time or times, and, if in any case any such limits have been exceeded, then
     the Bank may, without prejudice to its rights under paragraph 2 and 3,
     demand immediate repayment of such amount as is necessary to ensure that
     such limits are complied with.

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2.   PERIOD

The Facility is available on an on-going basis until further notice subject to
the Bank's normal credit review procedures which will be undertaken at least
annually.

3.   TERMINATION

Notwithstanding any other provision of this Facility Letter, the Bank may at any
time serve notice:-

3.1  demanding immediate repayment of any amounts outstanding by way of
     Overdraft and/or Cash Advances together with payment of accrued interest
     and any other sums for which the Borrower is liable under this facility
     letter and/or

3.2  to require the Borrower to provide the Bank with full cash cover for the
     Bank's maximum liability, whether actual or contingent, under any
     outstanding Letter of Credit Guarantee; or Performance Bond

and to require the Borrower to execute any such further documentation in
relation to any cash cover as the Bank shall request.

4.   PAYMENTS

4.1  CALCULATION Interest and commission shall accrue from day to day and be
     computed on the basis of the actual number of days elapsed on a 365 day
     year for amounts in Sterling and South African Rand and a 360 day year for
     amounts in any Permitted Currency.

4.2  NO DEDUCTIONS All payments to be made to the Bank hereunder shall be made
     without set-off or counter claim and free from, clear of and without
     deduction of any taxes or any other charges or withholdings. If the
     Borrower is compelled by law to make any such deduction, the Borrower may
     do so and the Borrower will pay to the Bank such additional amounts as the
     Bank shall consider necessary to enable the Bank to receive the amount
     which would have been payable if no such deduction had been required.

4.3  DEBIT TO ACCOUNTS The Borrower irrevocably authorises the Bank to debit any
     account the Borrower may have with the Bank with all or any amounts due
     from the Borrower to the Bank in connection with the Facility.

5.   COMPLIANCE COSTS AND INDEMNITY

5.1  NEGOTIATION/ENFORCEMENT EXPENSES The Borrower agrees to reimburse the Bank
     on demand for all expenses (including legal fees) inclusive of VAT incurred
     by the

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     Bank in connection with negotiation and administration of the Facility or
     preparation of this facility letter or any Security Document or in
     connection with the enforcement, preservation or defence of any of the
     Bank's rights in respect thereof or in respect of any Security Document.

5.2  COMPLIANCE COSTS The Borrower will compensate the Bank for any cost or
     reduced return to the Bank in connection with the Bank's compliance in such
     manner as the Bank thinks fit with any and all restrictions, requirements,
     rules and regulations (whether now in force or later introduced) of the
     Bank of England or any other applicable regulatory, monetary, fiscal or
     other authority.

5.3  DEFAULT INTEREST If the Borrower fails to place the Bank in funds in
     respect of any amount payable as required under this facility letter, the
     Borrower shall pay to the Bank on demand interest on the overdue amount in
     the currency thereof from the due date up to the date of actual payment (as
     well after as before judgement), compounded monthly, at a rate of 3% per
     annum above the cost to the Bank (as conclusively determined by the Bank)
     of funding such overdue amount from such sources and for such periods as
     the Bank may decide.

5.4  DEFAULT INDEMNITY The Borrower shall indemnify the Bank on demand against
     any claim, cost, loss or expense incurred by the Bank as a result of any
     default by the Borrower in the performance of any of the Borrower's
     obligations to the Bank.

6.   MISCELLANEOUS

6.1  WAIVERS No failure or delay in exercising on the Bank's part any right
     hereunder shall operate as a waiver thereof, nor shall any single or
     partial exercise of any right preclude any further exercise thereof, or the
     exercise of any other right. No waiver by the Bank shall be effective
     unless it is in writing.

6.2  INFORMATION The Borrower shall provide the Bank promptly with such
     financial or other information as the Bank may from time to time reasonably
     request, including, without limitation, the following:-

     Audited accounts for all Group companies which make use of the Facility.

     Group Profit and Loss Summary sheet for the Borrower quarterly, within 45
     days of the quarter end.

     Half year results leaflet of the Borrower within 60 days of the half year
     end.

     Management accounts of Union Ocean Transport to include group Profit and
     Loss accounts and balance sheet half yearly, within 45 days of the half
     year end. (As per Union Transport Group Financial Pack requirements.)

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     Aged debtors schedule of Union Ocean Transport Ltd., in an agreed format,
     half yearly within 45 days of the half year end.

     Management accounts of Union Air Transport Ltd., to include Profit and Loss
     accounts and balance sheet half yearly, within 45 days of the half year
     end. (As per Union Transport Group Financial Pack requirements.)

     Aged debtors schedule of Union Air Transport Ltd., in an agreed format,
     half yearly 45 days of the half year end.

     Management accounts of Union Transport Corp. to include Profit and Loss
     accounts and balance sheet half yearly, within 45 days of the half year
     end, (As per Union Transport Group Financial Pack requirements.)

     Aged debtors schedule of Union Transport Corp., in an agreed format, half
     yearly within 45 days of the half year.

     plus any other information that is published for the benefit for the
     general Shareholders of Uniserv or the Borrower.

6.3  CALCULATIONS Any calculation or statement made by the Bank and notified to
     the Borrower in connection with this facility letter shall be conclusive
     and binding on the Borrower in the absence of manifest error and except on
     any question of law.

6.4  TIMINGS All references in this facility letter to a time of day shall, in
     the absence of any express statement to the contrary, be a reference to
     London time.

6.5  ENTIRE AGREEMENT The provisions of this facility letter supersede any
     correspondence, discussion, representations, statements or agreements prior
     to the Borrower's acceptance of this facility letter.

6.6  SEVERABILITY If at any time any one or more of such provisions of this
     facility letter (or any part) is or becomes invalid, illegal or
     unenforceable the validity, legality and enforceability of the remaining
     provisions shall not in any way be affected or impaired.

6.7  SET OFF The Bank shall be entitled at any time without notice (both before
     and after demand) to set off all or part of any of the Borrower's
     liabilities now or hereafter due, owing or incurred to the Bank against any
     credit balance on any account of the Borrower with the Bank (whether
     current or otherwise or subject to notice or not or due to the Borrower or
     not).

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6.8  NEGATIVE PLEDGE The Borrower undertakes not to alienate, sell or otherwise
     dispose of, pledge, assign or otherwise charge or encumber any of its
     assets without the Bank's prior written consent.

6.9  NOTICES Each notice or other communication under this facility letter shall
     be in writing and shall be given by being left at or sent by post, telex or
     fax to the Borrower or to the Bank at their respective address set out
     above or to such other address as each of them notify to the other in
     writing from time to time and as the Borrower is incorporated outside of
     England and Wales also to the Borrower at Reading Cargo Centre, Hyperion
     Way, Rose Kiln Lane, Reading, Berks. RG2 OJS. Any such notice or
     communication shall be deemed to have been given in the case of post two
     days after being put in the post and in the case of telex or facsimile when
     transmitted, provided that any communication or notice to the Bank shall be
     effective only when received.

7.   LAW AND JURISDICTION

This facility shall be governed by and construed in all respects in accordance
with English law. For the exclusive benefit of the Bank, the Bank and the
Borrower irrevocably agree that the English courts are to have jurisdiction to
settle any disputes which may arise out of or in connection with the Facility
and that the Borrower submits to the jurisdiction of such courts for such
purpose. Any address to which paragraph 6.9 hereof permits the Bank to deliver
notices to the Borrower shall be an effective address for service on the
Borrower of proceedings in the English courts. Nothing contained in this
paragraph shall limit the Bank's rights to take proceedings against the Borrower
in the courts of any country in which it has assets or in any other courts of
competent jurisdiction, nor shall the taking of proceedings in one or more
jurisdictions preclude the taking of proceedings in any other jurisdiction,
whether concurrently or not.

This offer is available for acceptance until after which it will cease to be
valid unless otherwise agreed by the Bank. Please indicate your acceptance by
having authorised officials sign the attached copy of this facility letter and
return it to the Bank.

                                Yours faithfully,
                              for and on behalf of
                                NEDCOR BANK LTD,

/s/ [Illegible]                                 /s/ [Illegible]
---------------------------------                -------------------------------
Authorised Signatory                             Authorised Signatory

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We, Union Transport Inc., refer to the letter dated 8th April, 1998 from Nedcor
Bank Limited to us of which the aforegoing is a copy and hereby agree to, and
accept, the terms thereof.

                              For and on behalf of
                              Union Transport Inc.

/s/ Illegible                                    /s/ Illegible
---------------------------------                -------------------------------
Authorised Signatory                             Authorised Signatory

                                                              Date  10th June 98

Signed in accordance with a resolution passed by a properly constituted board
meeting; a certified copy of which is attached.

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                                   SCHEDULE 1

                              CONDITIONS PRECEDENT

Each of the following in form and substance satisfactory to the Bank.

1.   The duplicate original of this facility letter duly signed on behalf of the
     Borrower.

2.   Originals of the following security documents (the "SECURITY DOCUMENTS")

     a.   General counter indemnity from the Borrower to support any Guarantees,
          Performance Bonds or Letters of Credit issued on its or its
          subsidiaries behalf.

     b.   Guarantee from Union Ocean Transport Ltd in the sum of (pound)2.3m.

     c.   First Debenture over the fixed and floating assets of Union Ocean
          Transport Ltd.

     d.   Guarantee from Union Air Transport Ltd in the sum of (pound)l.35m.

     e.   First Debenture over the fixed and floating assets of Union Air
          Transport Ltd.

     f.   Guarantee from Union-Transport Corp in the sum of US$ 8.5m.

     g.   First charge over certain receivables of Union-Transport Corp.

     h.   Guarantee from each Associate for which a Guarantee, Performance Bond
          or Letter of Credit has or will be issued under this facility.

(each security provider whether singly or jointly to be hereinafter referred to
as the "SECURITY PROVIDER").

3.   A copy, certified as true complete and up to date by the secretary or a
     director of the Borrower and the Security Providers of a resolution of the
     board of directors of the Borrower and the Security Providers, approving
     the Borrowers and the Security Provider's entry into and performance of
     each of the documents to which it is a party and giving details of the
     officers of the Borrower and the Security Providers authorised to sign each
     of the documents to which it is a party and any communications and
     documents relating thereto;

4.   A legal opinion in relation to the Borrower and the Security Provider which
     is incorporated outside England and any Security Document executed or to
     be executed by it.

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                                   SCHEDULE 2

                                    OVERDRAFT

1.   UTILISATION

     The Overdraft is available for utilisation on the Borrower's current
     accounts with the Bank.

2.   INTEREST

     Interest will be calculated on a day-to-day basis in respect of each of the
     Borrower's current accounts with the Bank on the amount overdrawn at 1-1/2%
     per annum above the Bank's base rate from time to time for the relevant
     currency. Interest so calculated shall be debited monthly (or earlier upon
     demand as provided in paragraph 3.1 of this facility letter).

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                                   SCHEDULE 3

                                 SHORT TERM LOAN

1.   UTILISATION

     The STL may be drawn in one or more advances (each a "CASH ADVANCE") in
     minimum amounts of (pound)100,000 (or its equivalent as determined by the
     Bank in any Permitted Currency) for mutually agreed periods of up to three
     months, the minimum period being seven days and the period being one month
     in the absence of agreement (each an "INTEREST PERIOD") and ending on a
     business day.

     Notice of drawings (including amount, currency, payment instructions and
     requested Interest Period) must be given to the Bank no later than 10.00
     a.m. on the day prior to drawing for sterling advances, or by 10.00 a.m. on
     the third business day before the day of the drawing for advances in
     Permitted Currencies unless otherwise agreed between the Bank and the
     Borrower from time to time. Notice may be given either orally or in writing
     (and if given orally such notice shall be confirmed in writing by the
     Borrower within two business days although, for the avoidance of doubt, to
     the extent that there is any discrepancy between the oral request and the
     written confirmation, the oral request will prevail).

2.   INTEREST

     Interest will be payable on each Cash Advance, in the currency of such
     advance, at a rate which is the aggregate of (i) 1-1/2% per annum, (ii) the
     rate (as conclusively determined by the Bank) at which the Bank, in
     accordance with the Bank's normal practice, is able to obtain deposits of
     like amount for like periods in the required currency in the London
     Interbank Market at or about 11:00 a.m. on the date of such advance (if a
     sterling advance) or on the second business day before the date of such
     advance (if an advance in any Permitted Currency), and (iii) in the case of
     sterling advances, only any associated costs resulting from the
     requirements of the Bank of England in respect of monetary control,
     liquidity or otherwise, and will be payable on the last day of the Interest
     Period for such advance in accordance with the terms of this facility
     letter.

3.   REPAYMENT

     The Borrower will provide to such account as the Bank specifies cleared
     funds in the currency of such Cash Advances in cover for each maturing Cash
     Advance, with good value on the expiry date of the relevant Interest
     Period. However, such cover may be provided out of new Cash Advances
     subject to the terms of this facility letter.

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                                   SCHEDULE 4

                           LETTERS OF CREDIT FACILITY

1.   UTILISATION AND MECHANICS

     The Borrower may request the Bank to open documentary letters of credit
     ("LETTERS OF CREDIT") in sterling and/or in Permitted Currencies payment to
     be either at sight or on deferred terms of up to days after issuance of
     such Letter of Credit.

     The Bank will be under no obligation to accept such a request but if it
     does the Bank will require:-

     (a)  all Letters of Credit opened to be on a full recourse basis and
          subject to I.C.C. Uniform Customs and Practice for Documentary Credits
          as currently in force and from time to time amended and otherwise in a
          form and upon terms satisfactory to the Bank;

     (b)  applications for Letters of Credit to be made on the Bank's standard
          application form, or in such other manner as shall be agreed between
          the Bank and the Borrower from time to time, such applications to be
          received by 10 a.m. two business days prior to the date on which the
          Borrower wishes the Letter of Credit to be opened unless otherwise
          agreed by the Bank and;

     (c)  the Borrower to execute a letter of pledge and other documentation
          prior to the date on which the Borrower wishes the Letter of Credit to
          be opened.

2.   CHARGES

     The Borrower shall be charged an issuance fee calculated on the maximum
     available amount (at the time such fee is payable) of each Letter of Credit
     issued at the Bank's standard tariff from time to time, payable in advance
     upon the issuance of such Letter of Credit for the period from issuance of
     such Letter of Credit to its expiry date.

     All other charges will be in accordance with the tariff set out in
     Schedule 5.

3.   CASH COVER

     Without prejudice to the Bank's right under any other document held or to
     be held by the Bank in connection with the Facility, the Borrower hereby
     irrevocably and unconditionally undertakes that, in respect of any payment
     made by the Bank under each Letter of Credit the Borrower will provide the
     Bank with cleared funds to such account as specified by the Bank in the
     appropriate currency to enable the Bank to apply the same in making such
     payment.

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                                   SCHEDULE 5
                         GUARANTEES & PERFORMANCE BONDS

1.   UTILISATION AND MECHANICS

     The Borrower may request the issue of guarantees, indemnities, or other
     obligations to secure banking facilities with other banks (a "GUARANTEE")
     in sterling and/or in Permitted Currencies or performance bonds
     undertakings (a "PERFORMANCE BOND") on its own behalf or on behalf of
     subsidiaries (each an "ASSOCIATE") with a maximum validity of 12 months by
     sending to the Bank within a reasonable timescale prior to the date on
     which the Borrower wishes the Guarantee or Performance Bond to be issued
     notice specifying the details of the beneficiary, the validity period
     together with the full text of the Guarantee or Performance Bond.

     The Bank will be under no obligation to accept such a request but if it
     does it will require a properly completed original request from the
     Borrower as specified in the General Counter Indemnity executed by the
     Borrower on 25 February 1997, and/or other corporate approval documentation
     in form and substance satisfactory to the Bank.

2.   COMMISSION

     The rate of commission for issuing Guarantees will be calculated on the
     maximum amount of the Bank's actual and/or contingent liability as
     determined by the Bank under the relevant Guarantee or Performance Bond.
     Such commission will be due and payable in advance on the date of issue of
     the relevant Guarantee and thereafter at the rate of:

     An establishment fee of (pound)200 for each Guarantee or Performance Bond

     0.75% per annum or part thereof where the liability secured is a lending
     facility with another bank.

     0.6% per annum or part thereof where the liability secured is a Performance
     Bond.

     or such other rate as agreed between the Bank and the Borrower from time to
     time.

3.   CASH COVER

     Without prejudice to the Bank's rights under any other document held or to
     be held by the Bank in connection with the Facility, the Borrower hereby
     irrevocably and unconditionally undertakes that, in respect of any payment
     made by the Bank under any Guarantee, the Borrower will provide the Bank
     with cleared funds to such account as specified by the Bank in the
     appropriate currency to enable the Bank to apply the same in making such
     payment.

                                       12<PAGE>   1
                                                                   EXHIBIT 10.15

                                     NEDBANK

                                  NEDBANK HOUSE
                20 ABCHURCH LANE, LONDON EC4N 7AD, UNITED KINGDOM
                       TELEPHONE (0171) 623-1077 (GENERAL)
    TELEPHONE (0171) 623 1329 (FOREX DEALERS) (0171) 623-2763 (CORP DEALERS)
                              FAX: (0171) 621-9304
              TELEX 886208, 8956177 (GENERAL) TELEX 8956269 (FOREX)
                          TELEGRAM: "VASCOGAMA" LONDON

Our Ref:  DJE/KL

6th April, 1998.

The Directors
Union Transport International Inc.
c/o P.O. Box 1915
Kempton Park
1620 Gauteng
Johannesburg
South Africa

Dear Sirs

We refer to the letter (the "Letter") dated 2nd January 1997 from Nedcor Bank
Ltd (the "Bank") setting out the terms and conditions of a (pound)300,000
multicurrency facility (the "Facility") to Union Transport International Inc.
(the "Borrower").

We are pleased to vary the terms and conditions of the Letter as follows:

1.   With immediate effect, the Facility may also be utilised on the same terms
     and conditions by Union Transport Inc. (the "Additional Borrower") to the
     extent that it is not used by the Borrower i.e. the maximum aggregate
     amount outstanding between the two companies shall not
     exceed (pound)300,000.

All other terms and conditions shall remain unchanged.

Acceptance of the amended terms and conditions shall be signified by the
Borrower returning to the Bank within one month:

(a)  the enclosed duplicate of this letter duly signed on the Borrower's behalf
     as evidence of acceptance of the amended terms and conditions stated
     herein, and

            A DIVISION OF NEDCOR BANK LIMITED - REGULATED BY THE SFA

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(b)  a certified true copy of a resolution of the Borrower's Board of Directors:

     (i)  accepting the amended terms and conditions stated; and

     (ii) authorising a specified person, or persons, to endorse and return to
          the Bank the duplicate of this letter.

Yours faithfully
for and on behalf of
NEDCOR BANK LTD

/s/ Illegible                                 /s/  Illegible
--------------------------------              ----------------------------------
Authorised Signatory                          Authorised Signatory

<PAGE>   3

Accepted on the terms and conditions stated herein, pursuant to a resolution of
the Board of Directors, a certified true coy [sic] of which is attached hereto.

For and on behalf of

UNION TRANSPORT INTERNATIONAL INC.

/s/ Illegible                         Director
------------------------------------

10th June 98                          Date
------------------------------------

For and on behalf of

UNION TRANSPORT INC.

/s/ Illegible                         Director
------------------------------------

10th June 98                          Date
------------------------------------

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