Document:

<PAGE>
                                                                   EXHIBIT 10.02

Peninsula Regional
Commercial Banking
P.O. Box 150
Palo Alto, CA 94302
650 855-7662                                         August 2, 2001
650 328-0814 Fax

Interwoven, Inc.
1195 W. Fremont Avenue
Sunnyvale, CA 94087

Dear Mr. Allen:

         This letter amendment (this "Amendment") is to confirm the changes
agreed upon between WELLS FARGO BANK, NATIONAL ASSOCIATION ("Bank") and
INTERWOVEN, INC. ("Borrower") to the terms and conditions of that certain
letter agreement between Bank and Borrower dated as of December 6, 2000, as
amended from time to time (the "Agreement"). For valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, Bank and Borrower
hereby agree that the Agreement shall be amended as follows to reflect said
changes.

         1. The Agreement is hereby amended by deleting "Fifteen Million Dollars
($15,000,000)" as the maximum principal amount available under the Line of
Credit, and by substituting for said amount "Fifteen Million One Hundred Fifty
Thousand Dollars ($15,150,000.00)," with such change to be effective upon the
execution and delivery to Bank of a promissory note substantially in the form of
Exhibit A attached hereto (which promissory note shall replace and be deemed the
Line of Credit Note defined in and made pursuant to the Agreement) and all other
contracts, instruments and documents required by Bank to evidence such change.

         2. Paragraph 1.1 (b) is hereby deleted in its entirety, and the
following substituted therefor:

         "(b) Letter of Credit Subfeature. As a subfeature under the Line of
              ---------------------------
         Credit, Bank agrees from time to time during the term thereof to issue
         or cause an affiliate to issue standby letters of credit for the
         account of Borrower to finance Borrower's business requirements (each,
         a "Letter of Credit" and collectively, "Letters of Credit"); provided
         however, that the aggregate undrawn amount of all outstanding Letters
         of Credit shall not at any time exceed Fifteen Million One Hundred
         Fifty Thousand Dollars ($15,150,000.00). The form and substance of each
         Letter of Credit shall be subject to approval by Bank, in its sole
         discretion. Each Letter of Credit shall be issued for a term not to
         exceed three hundred sixty-five (365) days, as designated by Borrower;
         provided however, that no Letter of Credit shall have an expiration
         date more than three hundred sixty-five (365) days beyond the maturity
         date of the Line of Credit. The undrawn amount of all Letters of Credit
         shall be reserved under the Line of Credit and shall not be available
         for borrowings thereunder. Each Letter of Credit shall be subject to
         the additional terms and conditions of the Letter of Credit agreements,
         applications and any related documents

<PAGE>

Interwoven, Inc.
August 2, 2001
Page 2

         required by Bank in connection with the issuance thereof. Each draft
         paid under a Letter of Credit shall be deemed an advance under the Line
         of Credit and shall be repaid by Borrower in accordance with the terms
         and conditions of this letter applicable to such advances; provided
         however, that if advances under the Line of Credit are not available,
         for any reason, at the time any draft is paid, then Borrower shall
         immediately pay to Bank the full amount of such draft, together with
         interest thereon from the date such draft is paid to the date such
         amount is fully repaid by Borrower, at the rate of interest applicable
         to advances under the Line of Credit. In such event Borrower agrees
         that Bank; in its sole discretion, may debit any deposit account
         maintained by Borrower with Bank for the amount of any such draft."

         3. Except as specifically provided herein, all terms and conditions of
the Agreement remain in full force and effect, without waiver or modification.
All terms defined in the Agreement shall have the same meaning when used herein.
This Amendment and the Agreement shall be read together, as one document.

         4. Borrower hereby remakes all representations and warranties contained
in the Agreement and reaffirms all covenants set forth therein. Borrower further
certifies that as of the date of Borrower's acknowledgment set forth below there
exists no default or defined event of default under the Agreement or any
promissory note or other contract, instrument or document executed in connection
therewith, nor any condition, act or event which with the giving of notice or
the passage of time or both would constitute such a default or defined event of
default.

         Your acknowledgment of this Amendment shall constitute acceptance of
the foregoing terms and conditions.

                                   Sincerely,

                                   WELLS FARGO BANK,
                                            NATIONAL ASSOCIATION

                                   By: /s/ Michelle Wheelock
                                       --------------------------------------
                                        Michelle Wheelock
                                        Relationship Manager

Acknowledged and accepted as of   8/3/01   :
                                -----------

Interwoven, Inc.

By: /s/ David Allen
    ----------------------------------------
     David Allen
     Senior Vice President/CFO

<PAGE>

WELLS FARGO BANK                                 CORPORATE RESOLUTION: BORROWING
--------------------------------------------------------------------------------

TO: WELLS FARGO BANK, NATIONAL ASSOCIATION

         RESOLVED: That this corporation, Interwoven, Inc., proposes to obtain
credit from time to time, or has obtained credit, from Wells Forgo Bank,
National Association ("Bank").

         BE IT FURTHER RESOLVED, that any one of the following officers:

         Senior Vine President/CFO

         together with any one of the following officers:

         NONE

of this corporation be and they are hereby authorized and empowered far and on
behalf of and in the name of this corporation and as its corporate act and deed:

         (a) To borrow money from Bank and to assume any liabilities of any
other person or entity to Bank, in such form and on such terms and conditions as
shall be agreed upon by those authorized above and Bank, and to sign and deliver
to Bank such promissory notes and other evidences of indebtedness for money
borrowed or advanced and/or for indebtedness assumed as Bank shall require; such
promissory notes or other evidences of indebtedness may provide that advances be
requested by telephone communication and by any officer, employee or agent of
this corporation so long as the advances are deposited into any deposit account
of this corporation with Bank; this corporation shall be bound to Bank by, and
Bank may rely upon, any communication or act, including telephone
communications, purporting to be done by any officer, employee or agent of this
corporation provided that Bank believes, in good faith, that the same is done by
such person.

         (b) To contract for the issuance by Bank of letters of credit, to
discount with Bank notes, acceptances and evidences of indebtedness payable to
or due this corporation, to endorse the same and execute such contracts and
instruments for repayment thereof to Bank as Bank shall require, to enter into
foreign exchange transactions with or through Bank, and to enter into interest
rate hedging transactions with Bank in connection with any indebtedness
authorized hereby.

         (c) To mortgage, encumber, pledge, convey, grant, assign or otherwise
transfer all or any part of this corporation's real or personal property for
the purpose of securing the payment of any of the promissory notes, contracts,
instruments and other evidences of indebtedness authorized hereby, and to
execute and deliver to Bank such deeds of trust, mortgages, pledge agreements,
security agreements and/or other related documents as Bank shall require.

         (d) To perform all acts and to execute and deliver all documents
described above and all other contracts and instruments which Bank deems
necessary or convenient to accomplish the purposes of this resolution and/or to
perfect or continue the rights, remedies and security

                                                                          Page 1

<PAGE>

interests to be given to Bank pursuant hereto, including without limitation, any
modifications, renewals and/or extensions of any of, this corporation's
obligations to Bank, however evidenced: provided that the aggregate principal
amount of all sums borrowed and credits established pursuant to this resolution
shall not at any time exceed the sum of $15,150,000.00 outstanding and unpaid.

         Loans made pursuant to a special resolution and loans made by offices
of bank other than the office to which this resolution is delivered shall be in
addition to foregoing limitation.

         BE IT FURTHER RESOLVED, that the authority hereby conferred is in
addition to that conferred by any other resolution heretofore or hereafter
delivered by this corporation to Bank and shall continue in full force and
effect until Bank shell have received notice in writing, certified by the
Secretary of this corporation, of the revocation hereof by a resolution duly
adapted by the Board of Directors of this corporation. Any such revocation shall
be effective only as, to credit which is extended or committed by Bank, or
actions which are taken by this corporation pursuant to the resolutions
contained herein, subsequent to Bank's receipt of such notice. The authority
hereby conferred shall be deemed retroactive, and any and all acts authorized
herein which were performed prior to the passage of this resolution are hereby
approved and ratified.

                                  CERTIFICATION

         I, _____________________, Secretary of Interwoven, Inc., a corporation
created and existing under the laws of the state of Delaware, do hereby certify
and declare that the foregoing is a full, true and correct copy of the
resolutions duly passed and adopted by the Board of Directors of said
corporation, by written consent of all Directors of said corporation or at a
meeting of said Board duly and regularly called, noticed and held on __________,
at which meeting a quorum of the Board of Directors was present and voted in
favor of said resolutions; that said resolutions area now in full force and
effect; that there is no provision in the Articles of Incorporation or Bylaws of
said corporation, or any shareholder agreement, limiting the power of the Board
of Directors of said corporation to pass the foregoing resolutions and that such
resolutions are in conformity with the provisions of such Articles of
Incorporation and Bylaws; and that no approval by the shareholders of, or of the
outstanding shares of, said corporation is required with respect to the matters
which are the subject of the foregoing resolutions.

         IN WITNESS WHEREOF, I have hereunto sat my hand and, if required by
Bank affixed the corporate seal of said corporation, as of ____________________.

                                          --------------------------------------
                                                                      Secretary

(SEAL)

                                                                          Page 2

<PAGE>

WELLS FARGO BANK                                   REVOLVING LINE OF CREDIT NOTE
--------------------------------------------------------------------------------

$15,150,000.00                                             Palo Alto, California
                                                                  August 2, 2001

         FOR VALUE RECEIVED, the undersigned Interwoven, Inc. ("Borrower")
promises to pay to the order of WELLS FARGO BANK, NATIONAL ASSOCIATION ("Bank")
at its office at Peninsula Technology RCBO, 400 Hamilton Avenue, Palo Alto, CA
94301, or at such other place as the holder hereof may designate, in lawful
money of the United States of America and in immediately available funds, the
principal sum of $15,150,000.00, or so much thereof as may be advanced and be
outstanding, with interest thereon, to be computed on each advance from the date
of its disbursement as set forth herein.

DEFINITIONS:

         As used herein, the following terms shall have the meanings set forth
after each, and any other term defined in this Note shall have the meaning set
forth at the place defined:

         (a) "Business Day" means any day except a Saturday, Sunday or any other
day on which commercial banks in California are authorized or required by law to
close.

         (b) "Fixed Rate Term" means a period commencing on a Business Day and
continuing for 1, 2 or 3 months, as designated by Borrower; during which all or
a portion of the outstanding principal balance of this Note bears interest
determined in relation to LIBOR; provided however, that no Fixed Rate Term may
be selected far a principal amount less than $100,000.00; and provided further,
that no Fixed Rate Term shall extend beyond the scheduled maturity date hereof.
If any Fixed Rate Term would end an a day which is not a Business Day, then such
Fixed Rate Term shall be extended to the next succeeding Business Day.

         (c) "LIBOR" means the rate per annum (rounded upward, if necessary, to
the nearest whole 1/8 of 1%) determined by dividing Base LIBOR by a percentage
equal to 100% less any LIBOR Reserve Percentage.

                  (i) "Base LIBOR" means the rate per annum for United States
dollar deposits quoted by Bank as the Inter-Bank Market Offered Rate, with the
understanding that such rate is quoted by Bank for the purpose of calculating
effective rates of interest for loans making reference thereto, on the first day
of a Fixed Rate Term for delivery of funds on said date for a period of time
approximately equal to the number of days in such Fixed Rate Term and in an
amount approximately equal to the principal amount to which such Fixed Rate Term
applies. Borrower understands and agrees that Bank may base its quotation of the
Inter-Bank Market Offered Rate upon such offers or other market indicators of
the Inter-Bank Market as Bank in its discretion deems appropriate including, but
not limited to, the rate offered for U.S. dollar deposits on the London
Inter-Bank Market.

                  (ii) "LIBOR Reserve Percentage" means the reserve percentage
prescribed by the Board of Governors of the Federal Reserve System (or any
successor) far "Eurocurrency

                                                                          Page 1

<PAGE>

Liabilities" (as defined in Regulation D of the Federal Reserve Board, as
amended), adjusted by Bank for expected changes in such reserve percentage
during the applicable Fixed Rate Term.

         (d) "Prime Rate" means at any time the rate of interest most recently
announced within Bank at its principal office as its Prime Rate, with the
understanding that the Prime Rate is one of Bank's base rates end serves as the
basis upon which effective rates of interest are calculated for those loans
making reference thereto, and is evidenced by the recording thereof after its
announcement in such internal publication or publications as Bank may designate.

INTERESTS:

         (a) Interest. The outstanding principal balance of this Note shall bear
             --------
interest (computed on the basis of a 360-day year, actual days elapsed) either
(i) at a fluctuating rate per annum 1.00000% below the Prime Rate in effect from
time to time, or (ii) at a fixed rate per annum determined by Bank to be
1.50000% above LIBOR in effect an the first day of the applicable Fixed Rate
Term. When interest is determined in relation to the Prime Rate, each change in
the rate of interest hereunder shall become effective on the date each Prime
Rate change is announced within Bank. With respect to each LIBOR selection
option selected hereunder, Bank is hereby authorized to note the date, principal
amount, interest rate and Fixed Rate Term applicable thereto and any payments
made thereon on Bank's books and records (either manually or by electronic
entry) and/or on any schedule attached to this Note, which notations shall be
prima facie evidence of the accuracy of the information noted.

         (b) Selection of Interest Rate Options. At any time any portion of this
             ----------------------------------
Note bears interest determined in relation to LIBOR, it may be continued by
Borrower at the end of the Fixed Rate Term applicable thereto so that all or a
portion thereof bears interest determined in relation to the Prime Rate or to
LIBOR for a new Fixed Rate Term designated by Borrower. At any time any portion
of this Note bears interest determined in relation to the Prime Rate, Borrower
may convert all or a portion thereof so that it bears interest determined in
relation to LIBOR for a Fixed Rate Term designated by Borrower. At such time as
Borrower requests an advance hereunder or wishes to select a LIBOR option for
all or a portion of the outstanding principal balance hereof, and at the end of
each Fixed Rate Term, Borrower shall give Bank notice specifying: (i) the
interest rate option selected by Borrower; (ii) the principal amount subject
thereto; and (iii) for each LIBOR selection, the length of the applicable Fixed
Rate Term. Any such notice may be given by telephone (or such other electronic
method as Bank may permit so long as, with respect to each LIBOR selection, (A)
if requested by Bank, Borrower provides to Bank written confirmation thereof not
later than three (3) Business bays after such notice is given, and (B) such
notice is given to Bank prior to 10:00 a.m. on the first day of the Fixed Rate
Term, or at a later time during any Business Day if Bank, at it's sole option
but without obligation to do so, accepts Borrower's notice and quotes a fixed
rate to Borrower. If Borrower does not immediately accept a fixed rate when
quoted by Bank, the quoted rate shall expire and any subsequent LIBOR request
from Borrower shall be subject to a redetermination by Bank of the applicable
fixed rate. If no specific designation of interest is made at the time any
advance is requested hereunder or at the end of any Fixed Rata Term, Borrower
shall be deemed to have made a Prime Rate interest selection for such advance or
the principal amount to which such Fixed Rate Term applied.

                                                                          Page 2

<PAGE>

         (c) Taxes and Regulatory Costs. Borrower shall pay to Bank immediately
             --------------------------
upon demand, in addition to any other amounts due or to become due hereunder,
any and all (i) withholdings, interest equalization taxes, stamp taxes or other
taxes (except income and franchise taxes) imposed by any domestic or foreign
governmental authority and related in any manner to LIBOR, and (ii) future,
supplemental, emergency or other changes in the LIBOR Reserve Percentage,
assessment rates imposed by the Federal Deposit Insurance Corporation, or
similar requirements or costs imposed by any domestic or foreign governmental
authority or resulting from compliance by Bank with any request or directive
(whether or not having the force of law) from any central bank or other
governmental authority and related in any manner to LIBOR to the extent they are
not included in the calculation of LIBOR. In determining which of the foregoing
are attributable to any LIBOR option available to Borrower hereunder, any
reasonable allocation made by Bank among its operations shall be conclusive and
binding upon Borrower.

         (d) Payment of Interest. Interest accrued on this Note shall be payable
             --------------------
on the last day of each month, commencing August 31, 2001.

         (e) Default Interest. From and after the maturity date of this Note, or
             ----------------
such earlier date as all principal owing hereunder becomes due and payable by
acceleration or otherwise, the outstanding principal balance of this Note shall
bear interest until paid in full at an increased rate per annum (computed an the
basis of a 360-day year, actual days elapsed) equal to 4% above the rate of
interest from time to time applicable to this Note.

BORROWING AND REPAYMENT:

         (a) Borrowing and Repayment. Borrower may, from time to time during the
             -----------------------
term of this Note borrow, partially or wholly repay its outstanding borrowings,
and reborrow, subject to all of the limitations, terms and conditions of this
Note and of any document executed in connection with or governing this Note;
provided however, that the total outstanding borrowings under this Note shall
not at any time exceed the principal amount stated above. The unpaid principal
balance of this obligation of any time shall be the total amounts advanced
hereunder by the holder hereof less the amount of principal payments made hereon
by or far any Borrower, which balance may be endorsed hereon from time to time
by the holder. The outstanding principal balance of this Note shall be due and
payable in full on December 31, 2001.

         (b) Advances. Advances hereunder, to the total amount of the principal
             --------
sum available hereunder, may be made by the holder at the oral or written
request of (i) David Allen, any one acting alone, who are authorized to request
advances and direct the disposition of any advances until written notice of the
revocation of such authority is received by the holder at the office designated
above, or (ii) any person, with respect to advances deposited to the credit of
any deposit account of any Borrower, which advances, when so deposited, shall be
conclusively presumed to have been made to or for the benefit of each Borrower
regardless of the fact that persons other than those authorized to request
advances may have authority to draw against such account. The holder shall have
no obligation to determine whether any person requesting an advance is or has
been authorized by any Borrower.

                                                                          Page 3

<PAGE>

         (c) Application of Payments. Each payment made on this Note shall be
             -----------------------
credited first, to any interest then due and second, to the outstanding
principal balance hereof. All payments credited to principal shall be applied
first, to the outstanding principal balance of this Note which bears interest
determined in relation to the Prime Rate, if any, and second, to the outstanding
principal balance of this Note which bears interest determined in relation to
LIBOR, with such payments applied to the oldest Fixed Rate Term first.

PREPAYMENT:

         (a)  Prime Rate.  Borrower may prepay  principal on any portion of this
              ----------
Note which bears interest determined in relation to the Prime Rate at any time,
in any amount and without penalty.

         (b) LIBOR. Borrower may prepay principal on any portion of this Note
             -----
which bears interest determined in relation to LIBOR at any time and in the
minimum amount of $100,000.00; provided however, that if the outstanding
principal balance of such portion of this Note is less than said amount, the
minimum prepayment amount shall be the entire outstanding principal balance
thereof. In consideration of Bank providing this prepayment option to Borrower,
or if any such portion of this Note shall become due and payable at any time
prior to the last day of the Fixed Rate Term applicable thereto by acceleration
or otherwise, Borrower shall pay to Bank immediately upon demand a fee which is
the sum of the discounted monthly differences for each month from the month of
prepayment through the month in which such Fixed Rate Term matures, calculated
as follows for each such month:

                  (i)  Determine the amount of interest which would have accrued
                       ---------
each month on the amount prepaid at the interest rate applicable to such amount
had it remained outstanding until the last day of the Fixed Rate Term applicable
thereto.

                  (ii) Subtract from the amount determined in (i) above the
                       --------
amount of interest which would have accrued for the same month on the amount
prepaid for the remaining term of such Fixed Rate Term at LIBOR in effect on the
date of prepayment for new loans made for such term and in a principal amount
equal to the amount prepaid.

                  (iii) If the result obtained in (ii) far any month is greater
than zero,  discount that  difference by LIBOR used in (ii) above.

Each Borrower acknowledges that prepayment of such amount may result in Bank
incurring additional costs, expenses and/or liabilities, and that it is
difficult to ascertain the full extent of such costs, expenses and/or
liabilities. Each Borrower, therefore, agrees to pay the above-described
prepayment fee and agrees that said amount represents a reasonable estimate of
the prepayment costs, expenses and/or liabilities of Bank. If Borrower fails to
pay any prepayment fee when due, the amount of such prepayment fee shall
thereafter bear interest until paid at a rate per annum 2.000% above the Prime
Rate in effect from time to time (computed on the basis of a 360-day year,
actual days elapsed). Each change in the rate of interest on any such past due
prepayment fee shall become effective an the date each Prime Rate change is
announced within Bank.
                                                                          Page 4

<PAGE>

EVENTS OF DEFAULT:

         The occurrence of any of the following shall constitute an "Event of
Default" under this Note:

         (a) The failure to pay any principal, interest, fees or other charges
when due hereunder or under any contract, instrument or document executed in
connection with this Note.

         (b) The filing of a petition by or against any Borrower, any guarantor
of this Note or any general partner or joint venturer in any Borrower which is a
partnership or a joint venture (with each such guarantor, general partner and/or
joint venturer referred to herein as a "Third Party Obligor") under any
provisions of the Bankruptcy Reform Act, Title 11 of the United States Code, as
amended or recodified from time to time, or under any similar or other law
relating to bankruptcy, insolvency, reorganization or other relief for debtors;
the appointment of a receiver, trustee, custodian or liquidator of or for any
part of the assets or property of any Borrower or Third Party Obligor; any
Borrower or Third Party Obligor becomes insolvent, makes a general assignment
for the benefit of creditors or is generally not paying its debts as they become
due; or any attachment or like levy on any property of any Borrower or Third
Party Obligor.

         (c) The death or incapacity of any individual Borrower or Third Party
Obligor, or the dissolution or liquidation of any Borrower or Third Party
Obligor which is a corporation, partnership, joint venture or other type of
entity.

         (d) Any default in the payment or performance of any obligation, or any
defined event of default, under any provisions of any contract, instrument or
document pursuant to which any borrower or Third Party Obligor has incurred any
obligation for borrowed money, any purchase obligation, or any other liability
of any kind to any person or entity, including the holder.

         (e) Any financial statement provided by any Borrower or Third Party
Obligor to Bank proves to be incorrect, false or misleading in any material
respect.

         (g) Any sale or transfer of all or a substantial or material part of
the assets of any Borrower or Third Party Obligor other than in the ordinary
course of its business.

         (g) Any violation or breach of any provision of, or any defined event
of default under, any addendum to this Note or any loan agreement, guaranty,
security agreement, deed of trust, mortgage or other document executed in
connection with or securing this Note.

MISCELLANEOUS:

         (a) Remedies. Upon the occurrence of any Event of default, the holder
             ---------
of this Note, at the holder's option, may declare all sums of principal and
interest outstanding hereunder to be immediately due and payable without
presentment, demand, notice of nonperformance, notice of protest, protest or
notice of dishonor, all of which are expressly waived by each Borrower, and the
obligation, if any, of the holder to extend any further credit hereunder shall
immediately cease and terminate. Each Borrower shall pay to the holder
immediately upon demand the full

                                                                          Page 5

<PAGE>

amount of all payments, advances, charges, costs and expenses, including
reasonable attorneys' fees its include outside counsel fees and all allocated
costs of the holder's in-house counsel), expended or incurred by the holder in
connection with the enforcement of the holder's rights and/or the collection of
any amounts which become due to the holder under this Note, and the prosecution
or defense of any action in any way related to this Note, including without
limitation, any action far declaratory relief, whether incurred at the trial or
appellate level, in an arbitration proceeding or otherwise, and including any of
the foregoing incurred in connection with any bankruptcy proceeding (including
without limitation, any adversary proceeding, contested matter or motion brought
by Bank or any other person) relating to any Borrower or any other person or
entity.

         (b) Obligations Joint and Several. Should more than one person or
             ------------------------------
entity sign this Note as a Borrower, the obligations of each such Borrower shall
be joint and several.

         (c) Governing Law. This Note shall be governed by and construed to
             -------------
accordance with the laws of. the State of California.

         IN WITNESS WHEREOF, the undersigned has executed this Note as of the
date first written above.

Interwoven, Inc.

By: /s/ David Allen
    ----------------------------------------
     David Allen, Senior Vice President/CFO

                                                                          Page 6<PAGE>

                        [LETTERHEAD OF WM BUSINESS BANK]

                                                                   EXHIBIT 10.03

May 17, 2001

Surendra Mistry
Director of Finance
Interwoven, Inc.
1195 W. Fremont Avenue
Sunnyvale, CA 94087

Dear Surendra:

Washington Mutual Business Bank ("WMBB") is pleased to commit to Interwoven,
Inc. the following facilities:

FACILITY:
--------
A $20,000,000 cash secured facility for: (a) working capital advances, and (b)
issuance of performance stand-by letters of credit (stand-by L/C usage is not
limited and may include L/Cs for the securing of lease obligations or in
conjunction with workman's compensation insurance, as examples).

<TABLE>
RATES:
-----
(a)      Working capital advances:
Wall Street Journal prime rate flat.

(b)      Performance Stand-by L/C Rates:
<S>                                                    <C>
Issuance:
For Standby L/C less than $500,000                     $100.00 plus (1.5% per annum minimum 300.00).
For Standby L/C $500,000 or more                       1.5% per annum (Fees may be considered on a sliding
                                                       scale).

Amendment:
For Standby L/C less than $500,000                     $75.00 plus (1.5% per annum on increases and/or
                                                       extension minimum $300).
For Standby L/C $500,000 or more                       $75.00 plus 1.5% per annum on increases and/ or
                                                       extension.

Automatic Renewal Credit:
For Standby L/C less than $500,000                     1.5% per annum minimum $400.00.
For Standby L/C $500,000 or more                       1.5% per annum.

Non-renewal Notice:
$100.00

Reinstatement of Drawing:
Subject to arrangement.
</TABLE>

<PAGE>

Payment/Examination per set:
1/10 of 1.00%, minimum $200.00 - maximum $500.00

PURPOSE:
-------
(a)  Working capital advances:
To finance current operating needs and working capital.

(b)  Performance Stand-by L/Cs:
     1) Stand-by L/Cs to secure real estate leases;
     2) Stand-by L/Cs for workman's compensation insurance;
     3) Other.

EXPIRATION / MATURITY:
---------------------
(a) & (b):
One year commitment, commencing from the date of closing. Individual L/Cs may be
initially issued for maturities up to twelve (12) months and will be subject to
renewal.

COLLATERAL:
----------
Certificates of Deposit held by WMBB at 100% of the Facility amount. Cash
collateral supporting working capital advances will be deposited in blocked,
pledged accounts having maturities equal to, or longer than the respective
maturity of the working capital advance or stand-by L/C.

LOAN AGREEMENT:
--------------
(a) Working capital advances:
Documentation (for any drawings) will include WMBB's promissory note, business
loan agreement and security agreement in addition to all ancillary documents as
required.

(b) Performance Stand-by L/Cs:
WMBB's standard letter of credit application which governs the issuance of any
letters of credit. In addition to the normal representations and warranties,
events of default and customary terms and conditions, the following will be
included:

Reporting covenants:
-------------------
 .    Furnish 10K within 120 days of fiscal year end.
 .    Furnish 8K within 90 days after the end of each quarter.

The above commitment is subject to satisfactory completion of documentation
acceptable to WMBB.

We look forward to a mutually beneficial relationship and thank you for the
opportunity to become a part of your financial family.

Yours truly,

/s/ S. Chad Schumacher                         /s/ Stephen J. Mras
S. Chad Schumacher                             Stephen J. Mras
Vice President & Manager                       Vice President

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