Document:

EXHIBIT 10.12

 -------
 Revenue
  Stamp
 -------

To  Industrial  Bank  of  Korea                                 Date 2005.10

Name                             (Sign)
      ---------------------------------
Address

Joint  Surety                           (Sign)
             ---------------------------------
Address

Pledgee                            (Sign)
        ---------------------------------
Address

The  conditions  of  the  transactions  of  the  contract with the bank shall be
changed  or added according to the following. Any clauses not altered remain the
same  as  the  original  contract.

ARTICLE  1  EXTENSION  OF  LOAN  TRANSACTION  PERIOD,  AUGMENTATION OF LOAN LINE
1.  Loans  that  are  extended  or  augmented  are  as  follows.

<TABLE>
<CAPTION>
<S>            <C>         <C>           <C>          <C>            <C>            <C>
                                                      Extension of   *Augmented
                                                      Loan Period    amount (loan
                                                      (Loan expiry   line amount    Change of
Loan Contract              Loan (line)   Loan Expiry  date after     after          applied
Date           Loan Type   amount        Date         extension)     augmentation)  interests
-------------  ----------  ------------  -----------  -------------  -------------  ---------
                           800 million
200 .  .       Trade fund  won           200 .  .     ( ) ( ) ( )    won (    )
-------------  ----------  ------------  -----------  -------------  -------------  ---------
200 .  .                   won           200 .  .     ( ) ( ) ( )    won (    )
-------------  ----------  ------------  -----------  -------------  -------------  ---------
</TABLE>

* In "loan expiry date", record the coming loan date, in "loan extension period"
record  the  extension period from the start of the current loan expiry date (eg
write  1  year  if 1 year extension is desired). If specific loan expiry date is
required (eg conditional credit security loan) place two lines over extension of
loan  period  and  record the "loan expiry date after extension" (eg 2004.7.18).
*  If  this  column  is  filled,  Clause 2 is left blank and augmented amount is
filled  in  by  the  debtor.

2.  If the original loan that is extended by Clause 1 is P-rate floating loan or
short-loan  standard  interest floating loan, the method of interest application
is  all  changed  to  "Interests  based on won currency + add/subtract interest(
%)".

ARTICLE  2  CHANGE  OF  CONDITIONS  OF  TRANSACTION,  ADDITION  SUBJECT
Excluding  Clause  1,  transaction  clauses that are altered or added as to this
contract  are  as  follows.
<TABLE>
<CAPTION>

<S>            <C>       <C>            <C>          <C>        <C>
                                                                Miscellaneous
                         Loan (pledge)  Transaction  Applied    (Account
Contract date  Contract  amount         expiry date  interests  number, etc)
-------------  --------  -------------  -----------  ---------  --------------
200 .  .                 won            200 .  .
-------------  --------  -------------  -----------  ---------  --------------
200 .  .                 won            200 .  .
-------------  --------  -------------  -----------  ---------  --------------
</TABLE>

*  Contract  :  Fill  in  as  contract  of loan transaction, contract of lending
transaction,  contract  of  flexible  mortgage,  flexible  surety
* Loan (pledge) amount : In case of contract of loan (lending) transaction, fill
in  current  loan  amount/credit line, in case of contract of flexible mortgage,
fill  in  set  amount

<PAGE>
ARTICLE  3  TERMINATION  OF  MORTGAGE
Terminate  mortgage  on  maximum  set  amount  of              won.
                                                  ------------

ARTICLE  4  TERMINATION  OF  FLEXIBLE  PLEDGE
Terminate  pledge  of  security  credit  line             won.
                                              -----------

ARTICLE  5  TERMINATION/ADDITION  OF  JOINT  SURETY
Alter  the  joint  surety  for  debtor         as  to  the  following.
                                       -------
<TABLE>
<CAPTION>

<S>                          <C>                          <C>
Name                         Citizen registration number  Changes made
---------------------------  ---------------------------  ----------------------
                                         -                Termination   Addition
---------------------------  ---------------------------  ----------------------
                                         -                Termination   Addition
---------------------------  ---------------------------  ----------------------
</TABLE>

* Each additional joint surety shall write out separate flexible surety.

ARTICLE  6  CHANGES  TO  MISCELLANEOUS  CONDITIONS  OF TRANSACTIONS (for partial
termination  of  mortgage, exchange of pledged items, changes to repayment date,
etc)

--------------------------------------------------------------------------------
Before  change                           After  change
---------------------------------------  ---------------------------------------

--------------------------------------------------------------------------------
Reason
--------------------------------------------------------------------------------

1. I have received the bank's standard contract of loan transaction (enterprise,
retail) and the copy of this contract, and sufficiently understand its contents.
2.  I  have  heard  the  explanations  on debtor's debt state, arrays and credit
information  and  have  understood  its  meaning.

                                      Debtor
                                                   -------------------
                                      Joint Surety
                                                   -------------------
                                      Pledgee
                                                   -------------------

<TABLE>
<CAPTION>

<S>                 <C>
                    [ ] In spite of standard contract Article 7, if any interests or installments
                    are delayed, debt compensation shall be made to the loan amount before the
                    period even without the notification of the bank and arrears compensation
Notifications       interests will be applied
------------------  -------------------------------------------------------------------------------
                    [ ] In spite of standard contract Article 8, I do not wish for notification of
Notifications       debt compensation information of joint sureties  beforehand.
------------------  -------------------------------------------------------------------------------
                    [ ] I do not wish notification of execution of loan (including extension of
Notifications       period)
------------------  -------------------------------------------------------------------------------
                    [ ] In respect to this contract, any personal information (name, citizen
                    registration number, address, occupation), personal loan state (before and
                    afterwards) and debt surety state (before and afterwards) must be agreed upon
                    when given to or is being utilized by others in accordance with "Usage and
                    protection of credit information" Article 23.  As such I agree that the bank
Agreement of        may submit the above information to credit information institutions, credit
submission and use  information businesses or credit information supplier and user in conjunction
of personal credit  with judging my credit information or to use with policy data within public
information         institutions.
------------------  -------------------------------------------------------------------------------
Agreements:
------------------
  *Debtor           [ ] Agree (limited to checked items) [ ] Disagree
------------------  --------------------------------------------------  ---------------------------
  *Joint surety     [ ] Agree (limited to checked items) [ ] Disagree
------------------  --------------------------------------------------  ---------------------------
  *Joint surety     [ ] Agree (limited to checked items) [ ] Disagree
------------------  --------------------------------------------------  ---------------------------
</TABLE>

Notes:
1.  In extension, limited or comprehensive flexible mortgager's signature
is  not  required.
2.  Agreements  to  submission, use of personal credit information is limited to
retail  loans.EXHIBIT 10.13

The  bank  shall  explain  the  key contents of this contract and distribute the
copies  of  this  contract and the bank's standard contract of loan transaction.

CONTRACT  OF  LOAN  (LIMIT)  TRANSACTION

-------
Revenue
Stamp
-------

To  Korea  Exim  Bank                              Date   2005.11.19

Name                             (Sign)
      ---------------------------------
Address:

  I  understand  that  in the loan transaction with Korea Exim Bank (hereinafter
referred to as the "Bank") according to the conditions hereinafter, the standard
contract  of  loan  transaction  will be applied. I duly recognize the following
articles.

ARTICLE  1  CONDITIONS  OF  TRANSACTION

  The  conditions  of  transaction  are  as  follows.

  (In  the  event  there  are  multiple choices, please listen to the employee's
explanation  and  place  an  "x"  mark  inside  the  appropriate  "[ ]")

                                        1
<PAGE>
<TABLE>
<CAPTION>

<S>              <C>
Loan subject     Comprehensive export funds
(Loan type)      (deeds loan, won currency)
---------------  --------------------------------------------------------------------------------
                 [ ] Limit transaction
Transaction      [ ] Revolving credit transaction
classification   [ ] Spent credit transaction
---------------  --------------------------------------------------------------------------------
Loan(limit)      [ ] One Billion Nine Hundred Million Won, (W 1,900,000,000.00)
Amount           [ ]
---------------  --------------------------------------------------------------------------------
Purpose of
fund
---------------  --------------------------------------------------------------------------------
Loan (limit
transaction)     [ ] Within 6 months of frist loan (Only until 2006.05.18)
period           [ ] From     to
---------------  --------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>

<S>              <C>                     <C>                       <C>                    <C>
                                                                   Arrears compensation
                                                                   interest
                 Fixed (standard         Until expiry              (standard contract
                 contract of loan        Won currency :      % pa  of loan transaction
                 transaction Article 3   Foreign currency :        Article 3, Section
Interest rate    Clause 2 Section 1)            %pa                5)                         %pa
---------------  ----------------------  ------------------------  ---------------------  -------
                                         Won currency :            Arrears compensation
                                         Standard interest+(   )%  interest
                 Variable (standard      Foreign currency :        (standard contract
                 contract of loan        Standard interest+(   )%  of loan transaction
                 transaction Article 3   Miscellaneous             Article 3, Section
Interest rate    Clause 2 Section 2)             (              )  5)                         %pa
---------------  ----------------------  ------------------------  ---------------------  -------
</TABLE>

<TABLE>
<CAPTION>
<S>              <C>                                               <C>                    <C>
                                                                   Arrears compensation
                                                                   interest
                                                                   (standard contract
                                                                   of loan transaction
                                                                   Article 3, Section
Interest rate    Limit transaction : Refer to Article 4            5)                         %pa
---------------  ------------------------------------------------  ---------------------  -------
</TABLE>

<TABLE>
<CAPTION>
<S>              <C>
Calculation      A. Won currency : 365 days considered as 1 year, interest is calculated
of interest      on a daily basis.
and arrears      B. Foreign currency : 360 days consiered as 1 year, interest is
compensation     calculated on a daily basis.
---------------  --------------------------------------------------------------------------------
                 Independent loan amount is decided hereinafter for each transaction.
Independent      [ ] Amount required for production within ( ) % of balance of
loan amount      amount already received subtracted from contract fee of export
(applies to      contract, export credit market or product supply contract
limit            [ ] Within ( ) % of import fee or pre-import fee
transaction)     [ ] Miscellaneous :
---------------  --------------------------------------------------------------------------------
Independent      [ ] On each independent loan, within the period from
loan period      initial loan date ( ) plus ( ) days
(applies to      [ ] On each independent loan, within the period from initial
limit            loan date plus ( ) months
transaction)     [ ] Miscellaneous:
---------------  --------------------------------------------------------------------------------
                 [ ] Execute the whole amount on commencement of loan
                 [ ] Part execution after confirmation of the bank of asset
                 purpose and required
                 amount based on documentary evidence and spot goods
Method of        [ ] Execute as required by the customer with preset credentials
loan             [ ] Miscellaneous:
execution            (                                                         )
---------------  --------------------------------------------------------------------------------
                 [ ] Repayment of                       within expiry of loan
                 [ ] Repayment of the whole amount on expiry of loan. Installment
                 repayment is possible with the bank's approval.
                 [ ] First repayment after        (   ) months, installment
                 repayment for (  ) according to installment repayment date chart
                 [ ] Defer payment for ( ) years ( ) months after commencement,
                 installment repayment afterwards according to installment repayment date chart.
                 [ ] Miscellaneous:
                     (                                                         )
                 [x] Any bank deposit repayments through ATMs or electronic banking
Method of        means after bank business hours may not be recorded as being repaid
repayment        on the day
---------------  --------------------------------------------------------------------------------
                 [ ] Initial interest will be paid within ( ) months of commencement,
                 latter interests will be paid within ( ) months of the day after
                 final calculation of paid interest
                 [ ] Paid according to a separate installment repayment date chart
Time and         [ ] Miscellaneous
method of            (                                                         )
interest         [x] Any bank deposit repayments through ATMs or electronic banking
payment and      means after bank business hours may not be recorded as being repaid
method           on the day
---------------  --------------------------------------------------------------------------------
</TABLE>

                                        2
<PAGE>
1.  In the event interests, installment payment or installment payment principal
and  interest  is  not  paid by the due date, arrears compensation shall be made
according  to  the  amount  that  was  to  be  paid.

2.  In  the  event  the  debt is not discharged at the expiry of the loan or the
interest  of  the  expiry  date  lost  according  to  standard  contract of loan
transaction  Article  7 (including standard contract of loan transaction Article
9,  redemption  debt  of  discount  bill),  arrears  compensation  shall be made
according  to  the  amount  of  loan  remaining.

ARTICLE  3  SPENDING  AND  REVOLVING  MAINTENANCE  OF  LIMIT  TRANSACTION

1. For spending, application for each independent loan will be made within range
confirmed  through  documentary  evidence  of asset purpose and the amount spent
(such  as  trade  contract)  and  is  not  greater than the loan limit amount in
Article 1 that is the sum of applied loan and the total of each independent loan
(including  approved  amount  not  withdrawn) until the date of application. The
bank  may  confirm  this  and  approve  of  it  at  its  own  discretion.

2.  For  revolving,  application  for  each independent loan will be made within
range  confirmed  through  documentary  evidence of asset purpose and the amount
spent  (such as trade contract) and is not greater than the loan limit amount in
Article  1  that  is  the  sum  of  applied  loan  and  the loan balance of each
independent  loan  (including  approved  amount not withdrawn) until the date of
application.  The bank may confirm this and approve of it at its own discretion.

3. In the event of repayment through revolving, the loan amount limit within the
loan  limit  transaction  period  in  Article 1 will be revived as to the repaid
amount.  The  same  is  not  true  for  spending  type.

ARTICLE  4  INDEPENDENT  LOAN  INTEREST  RATE  FOR  LIMIT  TRANSACTION
For  limit transaction, the independent loan interest rate for limit transaction
is  decided  by  the  clauses  hereinafter.

1. Loan interest rate for fixed interest loan (including added interests) : Loan
interest  rate  on  the  date  of  application  of  independent  loan  approval

2. Loan interest rate for variable interest loan : Standard interest rate is the
standard interest rate for corresponding initial date of interest, added rate at
the  added  rate  of  date  of  approval  of  loan.

ARTICLE  5  TOTAL  AMOUNT OF LOAN AND NOTIFICATION OF INSTALLMENT REPAYMENT DATE
CHART

1.  For  installment  repayment  loan,  the total amount of debt will be decided
after  the  execution.

   The  method  of  execution will be based on installment repayment date chart,
receipts  and  other  evidences.

2. Install repayment date chart affixed to the contract shall be recorded by the
bank  on  confirmation  of total loan amount according to Article 1 and shall be
notified  to  the  debtor  and  joint  sureties.

                                        3
<PAGE>
ARTICLE  6  REDUCTION  AND  SUSPENSION

1. In the case of a line transaction or an installment loan, the bank may decide
to reduce the loan (line) amount in Article 1 through notice or temporarily stop
the loan execution regardless of the transaction period due to sudden changes in
national  economy  and  financial state or significant deterioration of personal
credit  state  of  the  loanee.  In  this  event the loanee shall pay any amount
exceeding  the  line  due  to  the  reduction.

2. The bank shall withdraw the reduction or the suspension caused by the reasons
stated  in  Clause  once  such matters are solved and normal loan transaction is
possible.

ARTICLE  7  SERVICE  CHARGE  FOR  REMAINING  LIMIT  IN  THE  CONTRACT

1.  For  limit  transaction or foreign currency loan and there exists a separate
clause  for  any  remaining  amount  within  the  credit limit set in Article 1,
service  charge  shall  be  paid  according  to  the standards set by the clause
(hereinafter  referred  to  as  "contract  service  charge").

2.  In  the  event  the  payment  of contract service charge is delayed, arrears
compensation  shall  be  made  for  the  delayed amount according to the arrears
compensation  rate.

ARTICLE  8  REVENUE  STAMP

1.  Revenue  stamp cost incurred by this contract shall be paid by ([ ]loanee, [
]bank,  [  ]loanee  and  bank  50%  each  ).

2.  In the event the bank pays the revenue stamp cost that was to be paid by the
loanee  according  to Clause 1, it shall be paid within a short period according
to  bank's  standard  contract  of  loan  transaction  Article  4.

ARTICLE  9  REPAYMENT  CURRENCY  AND  EXCHANGE  RATES

Principal  and  interest  of  foreign  currency  loan  may be repaid with loaned
currency  or  with won currency. Exchange rate in the event of repayment through
won  currency  the  telegraph  transfer  sales  rate  towards  customer shall be
applied.

ARTICLE  10  SECURITY  AND  INSURANCE

1.  The  loanee will pledge any buildings or installed facilities along with the
land  or  building  it  is  built  on and including any miscellaneous facilities
within  as  a  security  to the bank unless otherwise stated by the bank. If the
bank  so  requests, the loanee shall enter into an insurance of the type and the
amount  agreed  by  the  bank  and  place a pledge for the bank on the insurance
claim.

2.  If  the  items  in  Clause  1  is  transferred  to another through export or
technology  contract,  on  reception  of  the bill of debt, surety of payment or
trust  contract  offered, the debtor shall immediately offer the above as pledge
to  the  bank  as part of the items in Clause 1 regardless of bank's export loan
deferred  payment  finance  agreement  with  the  debtor.

ARTICLE  11  PREMATURE  REPAYMENT

1. For export fund loan deferred payment finance (includes technology fund loan,
technology  finance  and  foreign  investment  related loans), to repay the loan
before  the  expiry  date,  the  details must be discussed with the bank 30 days
before  the  planned  repayment  date.

2. In the event of loan repayment in Article 1 before its expiry, and there is a
pre-existing  clause  on premature repayment amount, the service charge shall be
made  according  to  the  standards  set  in  the  clause.

                                        4
<PAGE>
ARTICLE  12  DUTY  OF  MAINTENANCE  OF  REPAYMENT  MEANS

1.  I  shall maintain adequate financial ratio as shown below for the purpose of
maintaining  repayment  means  for  the  debts incurred by this contract. In the
event  of  other  clauses  such  as Financial Structure Improvement, it shall be
affixed  to  the  end of this transaction contract and considered a part of this
transaction  contract.

Classification     20  .     20  .     20  .     20  .     20  .
--------------     -----     -----     -----     -----     -----
 Debt ratio            %         %         %         %         %
 Self asset ratio      %         %         %         %         %
 (      )ratio         %         %         %         %         %
 (      )ratio         %         %         %         %         %

2. In the event of the following, the bank shall be consulted and agreed upon in
advance.

     1.  Merger,  business transfer/acquisition and other sale/rent of important
assets
     2.  Investment  on  fixed  assets  for  reasons other than specified in the
contract
     3.  Surety  for  other's  debts
     4.  Entering  new  business  or  foreign  investment
     5.  Company  structure  work  out,  privatization, or any other significant
management  changes

3.  I  shall agree to the acts of following sections if the bank so requires for
the  maintenance  of  the  transaction  contract.

     1.  Sales  of  owned  real  estates  or  securities
     2.  Investment  of  majority  shareholder
     3.  Issuance  of new shares to be purchased or publicization of the company

4.  The  1st  and  the  3rd  Clause  will only be applied in the presence of any
special  agreements  for  each  Clause  between  the  loanee  and  the  bank.

ARTICLE  13  SUBMISSION  OF  DATA

1.  I  agree  to  submit the following documents stated below in each respective
period and any other documents required for the maintenance of the loan contract
on  the bank's request according to bank's standard contract of loan transaction
Article  17  and  Article  19.

     1.  Each  quarter  :  Surtax returns, trial balance of totals and balances,
statement  of  current  debts,  sales  estimates  to  customers  and  of  items
     2.  Each  half-year  :  Half-year  accounts  report,  surtax returns, trial
balance  of  totals and balances, statement of current debts, sales estimates to
customers  and  of  items
     3.  Each  year : Certified public accountant's inspection report (financial
statement  of  settlements),  related  statement  of  settlements,  corporation
registration  transcript,  business  registry,  shareholders  book,  article  of
corporation,  summary  sheet of earned income tax collected, estimated statement
of settlements (3 years), state of major business relations, copies each permits
and  technology  permit  related  documents  (KS,  ISO,  patent  rights,  etc),
labor-management  dispute  statement,  miscellaneous  product  descriptions,
concentric  trades  reference  data,  etc.
     4.  On  demand : Trial balance of totals and balances, statement of current
debts,  documentary  evidence  of  asset  spendings,  etc.

2.  I  agree to submission of the following documents on request of the bank for
the  purpose  of  the  company's  foreign  currency  risk  state and maintenance
conditions  in  evaluating  credit  information.

     1.  Foreign currency risk maintenance structure and maintenance regulations
conditions
     2.  Foreign  currency  supply  and  application  statement
     3.  Foreign  currency  derivative  product  trade  statement

3.  I  agree to submit, on request of the bank, the financial state, loan target
business  state,  the  finance and economic environment of the target country or
invested  country  and  other required data of the opposite contracting party of
any  export  contract, technology contract, import contract and joint investment
contract  (hereinafter  referred  to  as  "loan  target  contract").

4.  I shall submit data on foreign investment, foreign business or current state
of  important  resource  development  project  related  to this contract every 6
months  or  as  requested  by  the  bank.

5.  If  any imported items related to this contract was imported for the purpose
of  sales  or has been converted for the purpose of sales, its monthly store and
sales  state  (number, amount, sold company, date of sale, receipt of cost, etc)
shall  be  reported  to  the  bank  by  the  10th  of  the  following  month.

                                        5
<PAGE>
ARTICLE  14  FULFILLMENT  AND  MODIFICATION  OF  LOAN  CONSIDERATION  CONTRACT

1.  I  shall  carry out any business related to this contract as to the terms of
the  loan  consideration  contract.

2.  I  shall  not  change the terms of loan consideration contract without prior
approval  of  the  bank.

3.  In  the  event  there  has  been  a  breach  or  possible  breach  of a loan
consideration  contract  by  the  debtor  or  the  opposing  party  of  the loan
consideration  contract,  I  shall  submit  detailed  report including contents,
reason  and  solutions  to  the  bank  immediately.

4.  I  shall  maintain  the  effect of loan consideration contract and approval,
registration,  and  declaration  in  Article  16  Clause  3.

5.  In  the event of related government branch's action, labour dispute or court
action  that  could  effect the loan consideration contract, I shall immediately
inform  the  bank.

6.  If Clauses 1 through 5 is not is not carried without a reason, I shall agree
to  any  actions  by  the  bank.

ARTICLE  15  APPROVAL  OF  COST  OF  CONTRACT  FULFILLMENT

1.  I  shall  fulfill  the  sections  hereinafter.

   1.  Any  advancement  payment  deposited  in  relation  to loan consideration
contract  shall  only  be  used  for  purposes  approved  by  the  bank.
   2. For import funds loan, any import items related with the contract may only
be  used  for  the  purposes  declared when applying for the loan. If there is a
significant reason, the items maybe used for other purposes with the approval of
the  bank.

ARTICLE  16  DECLARATION  AND  GUARANTEES

1.  I  declare  and  guarantee to the bank the following sections to be true and
accurate.

   1.The  opposing  party  in  the  loan  consideration contract was established
according  to the law of the related country and has capacity of rights, action,
right  to  agree  to  loan  consideration  contract  and capacity to fulfill the
contract.
   2.  The loan consideration contract has passed the internal procedures of the
related  parties  (resolution  of  board  of directors, etc) and was established
legally  according  to  the  law  of  the  related  country.
   3.  The  opposing  party  and  the  debtor  have  both  carried out approval,
registration  and  declaration  responsibilities for the effect, maintenance and
debt fulfillment of loan consideration contract, including the related country's
import/export,  foreign  investment,  primary  resource development approval and
remittance  approval.
   4.  Neither  the  debtor  nor  the opposing party is under any breach of debt
contract  and  has  arrayed  tax  payment  of  the  government  or  other public
institutions.
   5.  Neither  the  debtor  nor  the  opposing  party has experienced action or
bureaucratic procedures or arbitration that could seriously effect the financial
status of the respective parties, and is not under any possible circumstances to
be  part  of  any  such  action.
   6. The loan consideration contract is an act of commercial affair between the
debtor  and the opposing party and the opposing party has given up the rights to
any  primary  immunities  he  holds or may hold in the future in relation to the
loan  consideration  contract.
   7. The loan consideration contract is in accordance with the primary contract
and  any bill of debt, guarantees or trust chapter was submitted by the opposing
parting  was  issued  in  full  compliance.
   8. All data, information and documentary evidences submitted by the debtor on
the  debtor,  opposing  party  and  the  related  country are accurate and true.
   9.  Financial statements of the debtor, subsidiary company or related company
submitted  by the debtor is accurate and was made in accordance with the general
accounting  principle.
  10.  The  debtor  has  not received any financial support from other financial
institutions  in  relation  to the business receiving support from the bank, and
will  not  receive  any  overlapping  financial  support  in  the  future.

ARTICLE  17  MISCELLANEOUS  SPECIAL  CLAUSES

                                  (Name)                                  (Sign)
----------------------------------------     -----------------------------------

  I have  received the bank's standard contract of loan transaction and the copy
of  this  contract,  and  have  sufficiently  heard  and understood its contents

                                  (Name)                                  (Sign)
----------------------------------------     -----------------------------------

                                        6
<PAGE>

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