Beneficiary's draft, if any, shall be marked with "X", and remittance shall be filled after withdrawal) Beneficiary's draft: if any, the name of the drawee shall be marked. The drawer means "drawer" and refers to the beneficiary of the letter of credit. The drawee refers to the drawee, the issuer of the letter of credit. Drawnclause means "terms of issue", that is, some special terms in letters of credit and commercial drafts.