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Reporting Burden FR C'-1
  Public reporting burden for this c ollecti'. i ifol n,:lti ,n i_ tu , ,tt I : 1 e , ?i r nn tr 1!i.' Ours) per 0.M 8 Nc -,100-0115
response, including the time forte icwing uctim ._e:11cnin. ::i ct .lara ouice: _a;nerin an ,mtauu,rg .apprncalc•xpnesdune30.199.1
the data needed, and completing and reviewing the collection of information. Send coninients regarding this
  burden estimate, including suggestions for reducing this burden. to Secretary. Board of Governors of the Federal
Reserve System, 20th and C Streets, N.W. Washington. D.C. 20551: and to the Office of \lanagement and Budget,
Paperwork Reduction Project (7100-0115), Washington. D.C. 20503.

  Board of Governors of the Federal Reserve System
Statement of Purpose for an Extension of Credit
Secured by Margin Stock

NATIONSBANK OF TEXAS, N.A.
  Name of Bank

(Federal Reserve Form U-1)

This form is required by law (15 U.S.C. §§78g and 78w; 12 CFR 221)

Instructions
1. This form must be completed when a bank extends credit in excess of
  $100,000 secured directly or indirectly, in whole or in part, by any mar-
gin stock.
2. The term "margin stock " is defined in Regulation U (12 CFR 221) and
includes, principally: (1) stocks that are registered on a national secur-
ities exchange or that are on the Federal Reserve Board's Listt of
Marginable OTC Stocks: (2) debt securities (bonds) that are convertible


  into margin stocks; (3) any over-the-counter security designated as qual-
ified for trading in the National Market System under a designation
plan approved by the Securities and Exchange Commission (NMS se-
curity); and (4) shares of mutual funds, unless 95 per cent of the assets
of the fund are continuously invested in U.S. government, agency, state,
or municipal obligations.

3. Please print or type (if space is inadequate, attach separate sheet).

Part I. To be completed by borrowers).

1. What is the amount of the credit being extended? $2,750,000.00 Revolving Loan
2. Will any part of this credit be used to purchase or carry margin stock' U Yes IN No

If the answer is "no," describe the specific purpose of the credit. Business, commercial, investment or similar

purposes, other than to purchase, refinance or otherwise' carry margin stock or

other securities.

I (we) have read this form and certify that to the best of my,(our) knowledge the margin stock and any other securities collateralizing this credit are
and belief the information given is true, accurate, and complete, and that authentic, genuine, unaltered, and not stolen, forged, or counterfeit.
  KLL & LPL INVESTMENTS, LTD.

  Signed:

j4aurei1/
  / Dath L. Lay, Managi Partner

Print or Type Name

  Signed:
Borrower Signature f / Date
  Linda P. Lay, Managing Partner

Print or Type Name

This form should not be signed in blank.

A borrower who falsely certifies the. purpose of a credit on this
form or otherwise willfully or intentionally evades the provisions
of Regulation U will also violate Federal Reserve Regulation X,
"Borrowers of Securities Credit."
  0199.139 (Rev. 6/92)
  l0-14-0175 (New) BOAIFBI/LAY: 31676
GOVERNMENT
LBF002-00135 EXHIBIT
  175
  Crim. No. H-04-25 (S-2)


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Part II To be completed by bank only if the purpose of the credit is to purchase or carry margin stock (Par? ill) answerea

I List the margin stock securing this credit, it include debt securities convertible mro margin stc he maximum loan value of margin stock is
per cent of its current market value under the cut rent Supplement to Regulation U

No of
shares	Issue	Market price
per share	Date and source
of valuation
(See note below)	Total market
value per issue
				

2. List the debt securities convertible into margin stock securing this credit. The maximum loan value of such debt securities is .. .. per cent of the current
market value under the current Supplement to Regulation U.

Principal
amount	Issue	Market price	Date and source
of valuation
(See note below)	Total market
value per issue
				

3. List other collateral including nonmargm stock securing this credit.

Describe briefly	Market price	Date and source
of valuation
(See note below)	Good faith
loan value
			

Note- Bank need not complete "Date and source of valuation" if the market value was obtained from regularly published information in a journal of general circulation

Part III To be signed by a bank officer in all instances.

I am a duly authorized officer of the bank and understand that this credit
secured by margin stock may be subject to the credit restrictions of Regu-
lation U I have read this form and any attachments, and I have accepted
the customer's statement in part I in good faith as required by Regulation
U', and I certify that to the best of my knowledge and belief, all the infor-
mation given is true, accurate, and complete. I also certify that if any se-
curities that directly secure the credit are not or will not be registered in
the name of the borrower or its nominee, I have or will cause to have

12/26/96

examined the written consent of the registered owner to pledge such se-
curities. I further certify that any securities that have been or will be
physically delivered to the bank in connection with this credit have been
or will be examined, that all validation procedures required by bank policy
and the Securities Exchange Act of 1934 (section 17(f), as amended) have
been or will be performed, and that I am satisfied to the best of my know-
ledge and belief that such securities are genuine and not stolen or forged
and their faces have not been altered.

Signed. NATIONSBANK OF TEXAS, N . A .
  By: )~A~ 9 AILt~
Bank officer's s' e

Vice President
Title

James H. Shelton

Prmt or type name

'To accept the customer's statement in good faith, the officer of the bank must be alert to the circumstances surrounding the credit and, if in possession of
any information that would cause a prudent person not to accept the statement without inquiry must have investigated and be satisfied that the statement is
truthful. Among the facts which would require such investigation are receipt of the statement through the mail or from a third party.

This form must be retained by the bank for at least three years after the credit is extinguished.

  BOA/FBI/LAY: 31677
3F002-00136