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r-)n!!-lCATl0N T,-) CAR


Bank NB - TX

Borrower R.R./CES 5/Maintain Center# 3055 Unit: ::r._ PCG'-
Kenneth L. 8, Linda P. Lay customer # 9073 Rel. Mm- # 3056 City: Houston
FYE Stmt Date Net Worth Total Bank Exposure Total Corporate Exposure PST: Original CAR Date Effective Date
12/31198 $61.3MM $40.4MM $40.4MM M/5 09/01197 01/18198
Action Requested: Change in Credit Terms Before Closing X Changes in Pricing
  Final Bank Allocations Change in Collateral, Borrowing Base, Guarantor Changes in Repayment Terms
Risk Ratings Change AmendPNaive Covenants P~ Commitment Extension
  Term Loan Review Other (Specify)
Temporary Commitment Extension Amount Outstandings No. Days Extended New Expiration Date
(Max. 180 days from CAR Approved Maturity) N/A N/A N/A N/A
  1 1sT EACH ITEM BEING MODIFIED: STATE THE APPROVED TERM, THE CHANGE BEING MADE AND THE REASON FOR THE CHANGE

2 CLEARLY JUSTIFY THE MODIFIED TERM.
3. ATTACH A COPY OF THE APPROVED CAR BEING MODIFIED.

Note(s) Being Modified:
Note Type Commitment
5001318 CLN $31,000,000

Outstanding
$29,919,999

  Rate Maturity RR
L + %% Ftg 1 Year 4
09/01/98

  Collateral
Assignment of Mkt. Sec. & Mutual
Funds. (70% Advance/75% Call)

Approved Term
L + 1 O/o Five

Requested Change
L + .90% Ftg
Or
P-.50%

  Reason
Customer requesting change to a lower variable rate. Change is justified to maintain
customer relationship with resulting Relationship ROE still meeting hurdle at 31.04%.

Signatures for Approval	Exisling/Proposed Policy/Collateral Exception Yes		No	x
Lino Officers	Credit Policy	Has this Request been Funded or Committed? Yes	X	No	
Name	Initial	Date	Name	Initial	Date	By:
H wdliams			B. canon		
-&I	
Dale:

K Wodhen			
A Kelly		` zA	APPROVING OFFICER'S COMMENTS AND CONDITIONS

.

T. Prudes						Immaterial change.
						
						

BOA/FBI/LAY: 33035

LBF002-00337

GOVERNMENT
EXHIBIT
  200
  Crim. No. H-04-25 (S-2)


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MODIFICATION TO CAR Bank
Borrower R.R./CES 5 Center # .055 Unit: Texas

  Kenneth L. & Linda Lay Customer It 4419073 i Rel. Mgr # 236 City: Houston / PCG
 James
  Houston, Texas Shelton
  FYE Stmt Date Net Worth Total Bank Exposure Total Corporate Exposure PST: Original CAR Date Effective Date
12131196 $61.3MM $41.1 MM $41.IMM MSL 09/01197 09/01197
Action Requested: Change in Credit Terms Before Closing Changes in Pricing
  Final. Bank Allocations Change in Collateral, Borrowing Base, Guarantor Changes in Repayment Terms
Risk Ratings Change Amend/Waive Covenants Commitment Extension
  Term Loan Review X Other (Specify) Procedural Change for Rate Adjustments
T _mporary Commitment Extension Amount Outstandings No. Days Extended New Expiration Date
(Max. 180 days from CAR Approved Maturity) NIA N/A N/A N/A
1. LIST EACH ITEM BEING MODIFIED: STATE THE APPROVED TERM. THE CHANGE BEING MADE AND THE REASON FOR THE-CHANGE.
2. CLEARLY JUSTIFY THE MODIFIED TERM.
3. ATTACH A COPY OF THE APPROVED CAR BEING MODIFIED.

Note(s) Being Modified:

  Note Type Commitment Outstanding Rate Maturity RR Collateral
5001318 CLN $30,000,000 $29,919,999 L+1.00% 12 months 4 Assign, of var. Mkt. Sec. & Mut. Funds
(70.00% LTV/75.00% margin call).
Approved Term Requested Change Reason
L+1,00% fixed maturing every L+1.00% adjusting daily for 12 Increased convenience for client, reduced cost to maintain credit, and greater
30 days and rolling over for 12 months. profitability due to frequency of rate adjustments.
months.

Siq_nalures for Approval	Existmy/Proposed Policy/Collateral Exception Yes		No	1 X
Line Olllcers	Credit Policy	Has this Request been Funded or Committed? Yes	X	Na	
Name	Initial	Dale	Name	Initial	Dale	By			
James Shell-		I
J .~ i t 1	Franklin Shelton		
/ Y j	Dale.
'Larry Bell			Ann Kelly	
`		APPROVING OFFICER'S COMMENTS AND CONDITIONS:
				~		Immaterial Change
						
						

BOA/FBULAY~ 30116


LBF002-00338