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                                  AIA DOCUMENT A201

                          GENERAL CONDITIONS OF THE CONTRACT
                                   FOR CONSTRUCTION

             THIS DOCUMENT HAS IMPORTANT LEGAL CONSEQUENCES; CONSULTATION
           WITH AN ATTORNEY IS ENCOURAGED WITH RESPECT TO ITS MODIFICATION

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                                     1987 EDITION

                                  TABLE OF ARTICLES


1   GENERAL PROVISIONS                      8    TIME

2   OWNER                                   9    PAYMENTS AND COMPLETION

3   CONTRACTOR                              10   PROTECTION OF PERSONS AND
                                                 PROPERTY
4   ADMINISTRATION OF THE
    CONTRACT                                11   INSURANCE AND BONDS

5   SUBCONTRACTORS                          12   UNCOVERING AND
                                                 CORRECTION OF WORK
6   CONSTRUCTION BY OWNER OR
    BY SEPARATE CONTRACTORS                 13   MISCELLANEOUS PROVISIONS

7   CHANGES IN THE WORK                     14   TERMINATION OR SUSPENSION
                                                 OF THE CONTRACT




                                      EXHIBIT A

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                 GENERAL CONDITIONS OF THE CONTRACT FOR CONSTRUCTION

                                      ARTICLE 1
                                  GENERAL PROVISIONS

1.1      BASIC DEFINITIONS

1.1.1    THE CONTRACT DOCUMENTS.  The Contract Documents consist of the
Agreement between Owner and Contractor (hereinafter the Agreement), Conditions
of the Contract (General, Supplementary and other Conditions), Drawings,
Specifications, addenda issued prior to execution of the Contract, other
documents listed in the Agreement and Modifications issued after execution of
the Contract.  A Modification is (1) a written amendment to the Contract signed
by both parties, (2) a Change Order, (2) a Construction Change Directive or (4)
a written order for a minor change in the Work issued by the Architect.  Unless
specifically enumerated in the Agreement, the Contract Documents do not include
other documents such as bidding requirements (advertisement or invitation to
bid, Instructions to Bidders, sample forms, the Contractor's bid or portions of
addenda relating to bidding requirements).

1.1.2    THE CONTRACT.  The Contract Documents form the Contract for
Construction. The Contract represents the entire and integrated agreement
between the parties hereto and supersedes prior negotiations, representations or
agreements, either written or oral. The Contract may be amended or modified only
by a Modification.  The Contract Documents shall not be construed to create a
contractual relationship of any kind (1) between the Architect and Contractor,
(2) between the Owner and a Subcontractor or Sub-subcontractor or (3) between
any persons or entities other than the Owner and Contractor.  The Architect
shall, however, be entitled to performance and enforcement of obligations under
the Contract intended to facilitate performance of the Architect's duties.

1.1.3    THE WORK.  The term "Work" means the construction and services required
by the Contract Documents, and reasonably inferable therefrom as necessary to
produce the intended results, whether completed or partially completed, and
includes all other labor, materials, equipment and services provided, or to be
provided by the Contractor to fulfill the Contractor's obligations.  The Work
may constitute the whole or a part of the Project.

1.1.4    THE PROJECT.  The Project is the construction of which the Work
performed under the Contract Documents may be the whole or a part and which may
include construction by the Owner or by separate contractors.

1.1.5    THE DRAWINGS.  The Drawings are the graphic and pictorial portions of
the Contract Documents, wherever located and whenever issued, showing the
design, location and dimensions of the Work, generally including plans,
elevations, sections, details, schedules and diagrams.

1.1.6    THE SPECIFICATIONS.  The Specifications are that portion of the
Contract Documents consisting of the written requirements for materials,
equipment, construction systems, standards and workmanship for the Work, and
performance of related services.

1.1.7    THE PROJECT MANUAL.  The Project Manual is the volume usually
assembled for the Work which may include the bidding requirements, sample forms,
Conditions of the Contract and Specifications.

1.2      EXECUTION, CORRELATION AND INTENT


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1.2.1    The Contract Documents shall be signed by the Owner and Contractor as
provided in the Agreement.  If either the Owner or Contractor or both do not
sign all the Contract Documents, the Architect shall identify such unsigned
Documents upon request.

1.2.2    Execution of the Contract by the Contractor is a representation that
the Contractor has visited the site, become familiar with local conditions under
which the Work is to be performed and correlated personal observations with
requirements of the Contract Documents.

1.2.3    The intent of the Contract Documents is to include all items necessary
for the proper execution and completion of the Work by the Contractor.  The
Contract Documents are complementary, and what is required by one shall be as
binding as if required by all; performance by the Contractor shall be required
only to the extent consistent with the Contract Documents and reasonably
inferable from them as being necessary to produce the intended results.

1.2.4    Organization of the Specifications into divisions, sections and
articles, and arrangement of Drawings shall not control the Contractor in
dividing the Work among Subcontractors or in establishing the extent of Work to
be performed by any trade.

1.2.5    Unless otherwise stated in the Contract Documents, words which have
well-known technical or construction industry meanings are used in the Contract
Documents in accordance with such recognized meanings.

1.3      OWNERSHIP AND USE OF ARCHITECT'S DRAWINGS, SPECIFICATIONS AND OTHER
         DOCUMENTS.

1.3.1    The Drawings, Specifications and other documents prepared or 
provided by the Architect shall be the property of the Owner.  The Contractor 
may retain one contract record set.  Neither the Contractor nor any 
Subcontractor, Sub-subcontractor or material or equipment supplier shall own 
or claim a copyright in the Drawing, Specifications and other documents 
prepared by the Architect, and  the Owner shall retain all common law, 
statutory and other reserved rights, in addition to the copyright.  All 
copies of them, except the Contractor's record set, shall be returned or 
suitably accounted for to the Owner, on request, upon completion of the Work. 
The Drawings, Specifications and other documents prepared by the Architect, 
and copies thereof furnished to the Contractor, are for use solely with 
respect to this Project.  They are not to be used by the Contractor or any 
Subcontractor or Sub-contractor or material or equipment supplier on other 
projects or for additions to this Project outside the scope of the Work 
without the specific written consent of the Owner.  The Contractor, 
Subcontractors, Sub-subcontractors and material or equipment suppliers are 
granted a limited license to use and reproduce applicable portions of the 
Drawing, Specifications and other documents prepared by the Architect 
appropriate to and for use in the execution of their Work under the Contract 
Documents.  All copies made under this license shall bear the statutory 
copyright notice, if any, shown on the Drawings, Specifications and other 
documents prepared by the Architect.  Submittal or distribution to meet 
official regulatory requirements or for other purposes in connection with 
this Project is not to be construed as publication in derogation of the 
Owner's copyright or other reserved rights.

1.4      CAPITALIZATION

1.4.1    Terms capitalized in these General Conditions include those which are
(1) specifically defined, (2) the titles of numbered articles and identified
references to Paragraphs, Subparagraphs and Clauses in the document or (3) the
titles of other documents published by the American Institute of Architects.


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1.5      INTERPRETATION

1.5.1    In the interest of brevity the Contract Documents frequently omit 
modifying words such as "all" and "any" and articles such as "the" and "an," 
but the fact that a modifier or an article is absent from one statement and 
appears in another is not intended to affect the interpretation of either 
statement.

                                      ARTICLE 2
                                        OWNER
2.1      DEFINITION

2.1.1    The Owner is the person or entity identified as such in the Agreement
and is referred to throughout the Contract Documents as if singular in number. 
The term "Owner" means the Owner or the Owner's authorized representative.

2.1.2    The Owner upon reasonable written request shall furnish to the
Contractor in writing information which is necessary and relevant for the
Contractor to evaluate, give notice of or enforce mechanic's lien rights.  Such
information shall include a correct statement of the record legal title to the
property on which the Project is located, usually referred to as the site, and
the Owner's interest therein at the time of execution of the Agreement and,
within five days after any change, information of such change in title, recorded
or unrecorded.

2.2      INFORMATION AND SERVICES REQUIRED OF THE OWNER

2.2.1    The Owner shall, at the request of the Contractor, prior to execution
of the Agreement, furnish to the Contractor reasonable evidence that financial
arrangements have been made to fulfill the Owner's obligations under the
Contract. 

2.2.2    The Owner shall furnish surveys describing physical characteristics,
legal limitations and utility locations for the site of the Project, and a legal
description of the site.

2.2.3    Except for permits and fees which are the responsibility of the
Contractor under the Contract Documents, the Owner shall secure and pay for
necessary approvals, easements, assessments and charges required for
construction, use or occupancy of permanent structures or for permanent changes
in existing facilities.

2.2.4    Information or services under the Owner's control shall be furnished
by the Owner with reasonable promptness to avoid delay in orderly progress of
the Work.

2.2.5    Unless otherwise provided in the Contract Documents, the Contractor
will be furnished, free of charge, such copies of Drawings and Project Manuals
as are reasonably necessary for execution of the Work.

2.2.6    The foregoing are in addition to other duties and responsibilities of
the Owner enumerated herein and especially those in respect to Article 6
(Construction by Owner or by Separate Contractors), Article 9 (Payments and
Completion) and Article 11 (Insurance and Bonds).

2.3      OWNER'S RIGHT TO STOP THE WORK


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2.3.1    If the Contractor fails to correct Work which is not in accordance
with the requirements of the Contract Documents as required by Paragraph 12.2 or
persistently fails to carry out Work in accordance with the Contract Documents,
the Owner, by written order signed personally or by an agent specifically so
empowered by the Owner in writing, may order the Contractor to stop the Work, or
any portion thereof, until the cause for such order has been eliminated;
however, the right of the Owner to stop the Work shall not give rise to a duty
on the part of the Owner to exercise this right for the benefit of the
Contractor or any other person or entity, except to the extent required by
Subparagraph 6.1.3.

2.4      OWNER'S RIGHT TO CARRY OUT THE WORK

2.4.1    If the Contractor defaults or neglects to carry out the Work in
accordance with the Contract Documents and fails within a seven-day period after
receipt of written notice from the Owner to commence and continue correction of
such default or neglect with diligence and promptness, the Owner may, without
prejudice to other remedies the Owner may have, correct such deficiencies.  In
such case an appropriate Change Order shall be issued deducting from payments
then or thereafter due the Contractor the cost of correcting such deficiencies,
including compensation for the Architect's additional services and expenses made
necessary by such default, neglect or failure.  Such action by the Owner and
amounts charged to the Contractor are both subject to prior approval of the
Architect.  If payments then or thereafter due the Contractor are not sufficient
to cover such amounts, the Contractor shall pay the difference to the Owner.

2.5      EXTENT OF OWNER RIGHTS

2.5.1    The rights stated in this Article 2 and elsewhere in the Contract
Documents are cumulative and not in limitation of any rights of the Owner (1)
granted in the Contract Documents, (2) at law or (3) in equity.

2.5.2    In no event shall the Owner have control over, charge of, or any
responsibility for construction means, methods, techniques, sequences or
procedures or for safety precautions and programs in connection with the Work,
notwithstanding any of the rights and authority granted the Owner in the
Contract Documents.

                                   ARTICLE 3
                                  CONTRACTOR

3.1      DEFINITION

3.1.1    The Contractor is the person or entity identified as such in the
Agreement and is referred to throughout the Contract Documents as if singular in
number.  The term "Contractor" means the Contractor or the Contractor's 
authorized representative. 

3.2      REVIEW OF CONTRACT DOCUMENTS AND FIELD CONDITIONS BY CONTRACTOR

3.2.1    The Contractor shall carefully study and compare the Contract
Documents with each other and with information furnished by the Owner pursuant
to Subparagraph 2.2.2 and shall at once report to the Architect errors,
inconsistencies or omissions discovered.  The Contractor shall not be liable to
the Owner or Architect for damage resulting from errors, inconsistencies or
omissions in the Contract Documents unless the Contractor recognized such error,
consistency or omission and knowingly failed to report it to the Architect.  If
the Contractor performs any construction activity knowing it involves a
recognized error, inconsistency or omission in the Contract Documents without
such notice to the Architect, the Contractor shall assume


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appropriate responsibility for such performance and shall bear an appropriate 
amount of the attributable costs for correction.

3.2.2    The Contractor shall take field measurements and verify field
conditions and shall carefully compare such field measurements and conditions
and other information known to the Contractor with the Contract Documents before
commencing activities.  Errors, inconsistencies or omissions discovered shall be
reported to the Architect at once.

3.2.3    The Contractor shall perform the Work in accordance with the Contract
Documents and submittals approved pursuant to Paragraph 3.12.

3.3      SUPERVISION AND CONSTRUCTION PROCEDURES

3.3.1    The Contractor shall supervise and direct the Work, using the
Contractor's best skill and attention.  The Contractor shall be solely
responsible for and have control over construction means, methods, techniques,
sequences and procedures and for coordinating all portions of the Work under the
Contract, unless Contract Documents give other specific instructions concerning
these matters.

3.3.2    The Contractor shall be responsible to the Owner for acts and
omissions of the Contractor's employees, Subcontractors and their agents and
employees, and any entity or other persons performing portions of the Work.

3.3.3    The Contractor shall not be relieved of obligations to perform the
Work in accordance with the Contract Documents either by activities or duties of
the Architect in the Architect's administration of the Contract, or by tests,
inspections or approvals required or performed by persons other than the
Contractor.

3.3.4    The Contractor shall be responsible for inspection of portions of Work
already performed under this Contract to determine that such portions are in
proper condition to receive subsequent Work.

3.4      LABOR AND MATERIALS

3.4.1    Unless otherwise provided in the Contract Documents, the Contractor
shall provide and pay for labor, materials, equipment, tools, construction
equipment and machinery, water, heat, utilities, transportation, and other
facilities and services necessary for proper execution and completion of the
Work, whether temporary or permanent and whether or not incorporated or to be
incorporated in the Work.  

3.4.2    The Contractor shall enforce strict discipline and good order among
the Contractor's employees and other persons carrying out the Contract.  The
Contractor shall not permit employment of unfit persons not skilled in tasks
assigned to them.

3.5      WARRANTY

3.5.1    The Contractor warrants to the Owner and Architect that materials and
equipment furnished under the Contract will be of good quality and new unless
otherwise required or permitted by the Contract Documents, that the Work will be
free from defects not inherent in the quality required or permitted, and that
the Work will conform with the requirements of the Contract Documents.  Work not
conforming to these requirements, including substitutions not properly approved
and authorized, may be considered defective.  The Contractor's warranty excludes
remedy for damage or defect caused by abuse, modifications not executed by the


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Contractor, improper or insufficient maintenance, improper operation, or normal
wear and tear under normal usage.  If required by the Architect, the Contractor
shall furnish satisfactory evidence as to the kind and quality of material and
equipment.

3.5.2    The Contractor agrees to assign to the Owner at the time of final
completion of the Work, any and all manufacturer's warranties relating to
materials and labor used in the Work and further agrees to perform the Work in
such manner so as to preserve any and all such manufacturer's warranties.

3.6      TAXES

3.6.1    The Contractor shall pay sales, consumer, use and similar taxes for
the Work or portions thereof provided by the Contractor which are legally
enacted when bids are received or negotiations concluded, whether or not yet
effective or merely scheduled to go into effect.

3.7      PERMITS, FEES AND NOTICES

3.7.1    Unless otherwise provided in the Contract Documents, the Contractor
shall secure and pay for the building permit and other permits and governmental
fees, licenses and inspections necessary for proper execution and completion of
the Work which are customarily secured after execution of the Contract and which
are legally required when bids are received or negotiations concluded.

3.7.2    The Contractor shall comply with and give notices required by laws,
ordinances, rules, regulations and lawful orders of public authorities bearing
on performance of the Work.

3.7.3    It is not the Contractor's responsibility to ascertain that the
Contract Documents are in accordance with applicable laws, statutes, ordinances,
building codes, and rules and regulations.  However, if the Contractor observes
that portions of the Contract Documents are at variance therewith, the
Contractor shall promptly notify the Architect and Owner in writing, and
necessary changes shall be accomplished by appropriate Modification.

3.7.4    If the Contractor performs Work knowing it to be contrary to laws,
statutes, ordinances, building codes, and rules and regulations without such
notice to the Architect and Owner, the Contractor shall assume full
responsibility for such Work and shall bear the attributable costs.

3.8      ALLOWANCES

3.8.1    The Contractor shall include in the Contract Sum all allowances stated
in the Contract Documents.  Items covered by allowances shall be supplied for
such amounts and by such persons or entities as the Owner may direct, but the
Contractor shall not be required to employ persons or entities against which the
Contractor makes reasonable objection.

3.8.2    Unless otherwise provided in the Contract Documents:

         .1   materials and equipment under an allowance shall be selected 
              promptly by the Owner to avoid delay in the Work;

         .2   allowances shall cover the cost to the Contractor of materials 
              and equipment delivered at the site and all required taxes, 
              less applicable trade discounts;


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         .3   Contractor's costs for unloading and handling at the site, 
              labor, installation costs, overhead, profit and other expenses 
              contemplated for stated allowance amounts shall be included in 
              the Contract Sum and not in the allowances;

         .4   whenever costs are more than or less than allowances, the 
              Contract Sum shall be adjusted accordingly by Change Order.  
              The amount of the Change Order shall reflect (1) the difference 
              between actual costs and the allowances under Clause 3.8.2.2 
              and (2) changes in Contractor's costs under Clause 3.8.2.3.

3.9      SUPERINTENDENT

3.9.1    The Contractor shall employ a competent superintendent and necessary
assistants who shall be in attendance at the Project site during performance of
the Work.  The superintendent shall represent the Contractor, and communications
given to the superintendent shall be as binding as if given to the Contractor. 
Important communications shall be confirmed in writing.  Other communications
shall be similarly confirmed on written request in each case.

3.10     CONTRACTOR'S CONSTRUCTION SCHEDULES

3.10.1   The Contractor, promptly after being awarded the Contract, shall
prepare and submit for the Owner's and Architect's information a Contractor's
construction schedule for the Work.  The schedule shall not exceed time limits
current under the Contract Documents, shall be revised at appropriate intervals
as required by the conditions of the Work and Project, shall be related to the
entire Project to the extent required by the Contract Documents, and shall
provide for expeditious and practicable execution of the Work.

3.10.2   The Contractor shall prepare and keep current, for the Architect's
approval, a schedule of submittals which is coordinated with the Contractor's
construction schedule and allows the Architect reasonable time to review
submittals.

3.10.3   The Contractor shall conform to the most recent schedules.

3.11     DOCUMENTS AND SAMPLES AT THE SITE

3.11.1   The Contractor shall maintain at the site for the Owner one record
copy of the Drawings, Specifications, addenda, Change Orders and other
Modifications, in good order and marked currently to record changes and
selections made during construction, and in addition approved Shop Drawings,
Product Data, Samples and similar required submittals.  These shall be available
to the Architect and shall be delivered to the Architect for submittal to the
Owner upon completion of the Work.

3.12     SHOP DRAWINGS, PRODUCT DATA AND SAMPLES

3.12.1   Shop Drawings are drawings, diagrams, schedules and other data 
specially prepared for the Work by the Contractor or a Subcontractor, 
Sub-subcontractor, manufacturer, supplier or distributor to illustrate some 
portion of the Work.

3.12.2   Product Data are illustrations, standard schedules, performance
charts, instructions, brochures, diagrams and other information furnished by the
Contractor to illustrate materials or equipment for some portion of the
Work.


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3.12.3   Samples are physical examples which illustrate materials,
equipment or workmanship and establish standards by which the Work will be
judged.

3.12.4   Shop Drawings, Product Data, Samples and similar submittals are not
Contract Documents.  The purpose of their submittal is to demonstrate for those
portions of the Work for which submittals are required the way the Contractor
proposes to conform to the information given and the design concept expressed in
the Contract Documents.  Review by the Architect is subject to the limitations
of Subparagraph 4.2.7.

3.12.5   The Contractor shall review, approve and submit to the Architect Shop
Drawings, Product Data, Samples and similar submittals required by the Contract
Documents with reasonable promptness and in such sequence as to cause no delay
in the Work or in the activities of the Owner or of separate contractors. 
Submittals made by the Contractor which are not required by the Contract
Documents may be returned without action.

3.12.6   The Contractor shall perform no portion of the Work requiring
submittal and review of Shop Drawings, Product Data, Samples or similar
submittals until the respective submittal has been approved by the Architect. 
Such Work shall be in accordance with approved submittals.

3.12.7   By approving and submitting Shop Drawings, Product Data, Samples and
similar submittals, the Contractor represents that the Contractor has determined
and verified materials, field measurements and field construction criteria
related thereto, or will do so, and has checked and coordinated the information
contained within such submittals with the requirements of the Work and of the
Contract Documents.

3.12.8   The Contractor shall not be relieved of responsibility for deviations
from requirements of the Contract Documents by the Architect's approval of Shop
Drawings, Product Data, Samples or similar submittals unless the Contractor has
specifically informed the Architect in writing of such deviation at the time of
submittal and the Architect has given written approval to the specific
deviation.  The Contractor shall not be relieved of responsibility for errors or
omissions in Shop Drawings, Product Data, Samples or similar submittals by the
Architect's approval thereof.

3.12.9   The Contractor shall direct specific attention, in writing or on
resubmitted Shop Drawings, Product Data, Samples or similar submittals, to
revisions other than those requested by the Architect on previous submittals.

3.12.10  Informational submittals upon which the Architect is not expected to
take responsive action may be so identified in the Contract Documents.

3.12.11  When professional certification of performance criteria of materials,
systems or equipment is required by the Contract Documents, the Architect shall
be entitled to rely upon the accuracy and completeness of such calculations and
certifications.

3.13     USE OF SITE

3.13.1   The Contractor shall confine operations at the site to areas permitted
by law, ordinances, permits and the Contract Documents and shall not
unreasonably encumber the site with materials or equipment.

3.14     CUTTING AND PATCHING


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3.14.1   The Contractor shall be responsible for the cutting, fitting or
patching required to complete the Work or to make its parts fit together
properly.

3.14.2   The Contractor shall not damage or endanger a portion of the Work or
fully or partially completed construction of the Owner or separate contractors
by cutting, patching, or otherwise altering such construction or by excavation. 
The Contractor shall not cut or otherwise alter such construction by the Owner
or a separate Contractor except with written consent of the Owner and of such
separate contractor; such consent shall not be unreasonably withheld.  The
Contractor shall not unreasonably withhold from the Owner or a separate
contractor the Contractor's consent to cutting or otherwise altering the Work.

3.15     CLEANING UP

3.15.1   The Contractor shall keep the premises and surrounding area free from
accumulation of waste materials or rubbish caused by operations under the
Contract.  At completion of the Work the Contractor shall remove from and about
the Project waste materials, rubbish, the Contractor's tools, construction
equipment, machinery and surplus materials.

3.15.2   If the Contractor fails to clean up as provided in the Contract
Documents, the Owner may do so and the cost thereof shall be charged to the
Contractor.

3.16     ACCESS TO WORK

3.16.1   The Contractor shall provide the Owner and Architect access to the
Work in preparation and progress wherever located.

3.17     ROYALTIES AND PATENTS

3.17.1   The Contractor shall pay all royalties and license fees.  The
Contractor shall defend suits or claims for infringement of patent rights and
shall hold the Owner and Architect harmless from loss on account thereof, but
shall not be responsible for such defense or loss when a particular design,
process or product of a particular manufacturer or manufacturers is required by
the Contract Documents.  However, if the Contractor has reason to believe that
the required design, process or product is an infringement of a patent, the
Contractor shall be responsible for such loss unless such information is
promptly furnished to the Architect

3.18     INDEMNIFICATION

3.18.1   To the fullest extent permitted by law, the Contractor shall indemnify
and hold harmless the Owner, Architect, Architect's consultants, and agents and
employees of any of them from and against claims, damages, losses and expenses,
including but not limited to attorneys' fees, arising out of or resulting from
performance of the Work, provided that such claim, damage, loss or expense is
attributable to bodily injury, sickness, disease or death, or to injury to or
destruction of tangible property (other than the Work itself) including loss of
use resulting therefrom, caused in whole or in part by negligent acts or
omissions of the Contractor, a Subcontractor, anyone directly or indirectly
employed by them or anyone for whose acts they may be liable, regardless of
whether or not such claim, damage, loss or expense is caused in part by a party
indemnified hereunder.  Such obligation shall not be construed to negate,
abridge, or reduce other rights or obligations of indemnity which would
otherwise exist as to a party or person described in this Paragraph 3.18.


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3.18.2   In claims against any person or entity indemnified under this
Paragraph 3.18 by an employee of the Contractor, a Subcontractor, anyone
directly or indirectly employed by them or anyone for whose acts they may be
liable, the indemnification obligation under this Paragraph 3.18 shall not be
limited by a limitation on amount or type of damages, compensation or benefits
payable by or for the Contractor or a Subcontractor under workers' compensation
acts, disability benefit acts or other employee benefit acts.

3.18.3   Contractor shall procure, maintain and pay for such general liability,
contractual liability and employer's liability insurances (including
endorsements) as will insure the provisions of this Paragraph 3.18 and any other
contractual indemnities assumed by Contractor in the Contract Documents, to the
fullest extent insurable, but not less than the coverages and limits specified
in Article 8 of the Agreement. 

                                   ARTICLE 4
                        ADMINISTRATION OF THE CONTRACT

4.1      ARCHITECT

4.1.1    The Architect is the person lawfully licensed to practice architecture
or an entity lawfully practicing architecture identified as such in the
Agreement and is referred to throughout the Contract Documents as if singular in
number.  The term "Architect" means the Architect or the Architect's authorized
representative.

4.1.2    Duties, responsibilities and limitations of authority of the Architect
as set forth in the Contract Documents shall not be restricted, modified or
extended without written consent of the Owner, Contractor and Architect. 
Consent shall not be unreasonably withheld.

4.1.3    In case of termination of employment of the Architect, the Owner shall
appoint an architect against whom the Contractor makes no reasonable objection
and whose status under the Contract Documents shall be that of the former
architect.

4.1.4    Disputes arising under Subparagraphs 4.1.2 and 4.1.3 shall be subject
to arbitration.

4.2      ARCHITECT'S ADMINISTRATION OF THE CONTRACT

4.2.1    The Architect will provide administration of the Contract as described
in the Contract Documents, and will be the Owner's representative (1) during
construction, (2) until final payment is due and (3) with the Owner's
concurrence, from time to time during the correction period described in
Paragraph 12.2.  The Architect will advise and consult with the Owner.  The
Architect will have authority to act on behalf of the Owner only to the extent
provided in the Contract Documents, unless otherwise modified by written
instrument in accordance with other provisions of the Contract.

4.2.2    The Architect will visit the site at intervals appropriate to the
stage of construction to become generally familiar with the progress and quality
of the completed Work and to determine in general if the Work is being performed
in a manner indicating that the Work, when completed, will be in accordance with
the Contract Documents.  However, the Architect will not be required to make
exhaustive or continuous on-site inspections to check quality or quantity of the
Work.  On the basis of on-site observations as an architect, the Architect will
keep the Owner informed of progress of the Work, and will endeavor to guard the
Owner against defects and deficiencies in the Work.


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4.2.3    The Architect will not have control over or charge of and will not be
responsible for construction means, methods, techniques, sequences or
procedures, or for safety precautions and programs in connection with the Work,
since these are solely the Contractor's responsibility as provided in Paragraph
3.3.  The Architect will not be responsible for the Contractor's failure to
carry out the Work in accordance with the Contract Documents.  The Architect
will not have control over or charge of and will not be responsible for acts or
omissions of the Contractor, Subcontractors, or their agents or employees, or of
any other persons performing portions of the Work.

4.2.4    Communications Facilitating Contract Administration.  Except as
otherwise provided in the Contract Documents or when direct communications have
been specially authorized, the Owner and Contractor shall endeavor to
communicate through the Architect.  Communications by and with the Architect's
consultants shall be through the Architect.  Communications by and with
Subcontractors and material suppliers shall be through the Contractor. 
Communications by and with separate contractors shall be through the Owner.

4.2.5    Based on the Architect's observations and evaluations of the
Contractor's Applications for Payment, the Architect will review and certify the
amounts due the Contractor and will issue Certificates for Payment in such
amounts.

4.2.6    The Architect will have authority to reject Work which does not
conform to the Contract Documents.  Whenever the Architect considers it
necessary or advisable for implementation of the intent of the Contract
Documents, the Architect will have authority to require additional inspection or
testing of the Work in accordance with Subparagraphs 13.5.2 and 13.5.3, whether
or not such Work is fabricated, installed or completed.  However, neither this
authority of the Architect nor a decision made in good faith either to exercise
or not to exercise such authority shall give rise to a duty or responsibility of
the Architect to the Contractor, Subcontractors, material and equipment
suppliers, their agents or employees, or other persons performing portions of
the Work.

4.2.7    The Architect will review and approve or take other appropriate action
upon the Contractor's submittals such as Shop Drawings, Product Data and
Samples, but only for the limited purpose of checking for conformance with
information given and the design concept expressed in the Contract Documents. 
The Architect's action will be taken with such reasonable promptness as to cause
no delay in the Work or in the activities of the Owner, Contractor or separate
contractors.   Review of such submittals is not conducted for the purpose of
determining the accuracy and completeness of other details such as dimensions
and quantities, or for substantiating instructions for installation or
performance of equipment or systems, all of which remain the responsibility of
the Contractor as required by the Contract Documents.  The Architect's review of
the Contractor's submittals shall not relieve the Contractor of the obligations
under Paragraphs 3.3, 3.5, and 3.12.  The Architect's review shall not
constitute approval of safety precautions or, unless otherwise specifically
stated by the Architect, of any construction means, methods, techniques,
sequences or procedures.  The Architect's approval of a specific item shall not
indicate approval of an assembly of which the item is a component.

4.2.8    The Architect will prepare Change Orders and Construction Change
Directives, and may authorize minor changes in the Work as provided in Paragraph
7.4. 

4.2.9    The Architect will conduct inspections to determine the date or dates
of Substantial Completion and the date of final completion, will receive and
forward to the Owner for the Owner's review and records written warranties and
related documents required by the Contract and assembled by the Contractor, and
will issue a final Certificate for Payment upon compliance with the requirements
of the Contract Documents.


                                       11
<PAGE>

4.2.10   If the Owner and Architect agree, the Architect will provide one or 
more project representatives to assist in carrying out the Architect's 
responsibilities at the site.  The duties, responsibilities and limitations 
of Authority of such project representatives shall be as set forth in an 
exhibit to be incorporated in the Contract Documents.

4.2.11   The Architect will interpret and decide matters concerning performance
under and requirements of the Contract Documents on written request of either
the Owner or Contractor.  The Architect's response to such requests will be made
with reasonable promptness and within any time limits agreed upon.  If no
agreement is made concerning the time within which interpretations required of
the Architect shall be furnished in compliance with this Paragraph 4.2, then
delay shall not be recognized on account of failure by the Architect to furnish
such interpretations until 15 days after written request is made for them.

4.2.12   Interpretations and decisions of the Architect will be consistent with
the intent of and reasonably inferable from the Contract Documents and will be
in writing or in the form of drawings.  When making such interpretations and
decisions, the Architect will endeavor to secure faithful performance by both
Owner and Contractor will not show partiality to either and will not be liable
for results of interpretations or decisions so rendered in good faith.

4.2.13   The Architect's decisions on matters relating to aesthetic effect will
be final if consistent with the intent expressed in the Contract Documents.

4.3      CLAIMS AND DISPUTES

4.3.1    Definition.  A Claim is a demand or assertion by one of the parties
seeking, as a matter of right, adjustment or interpretation of Contract terms,
payment of money, extension of time or other relief with respect to the terms of
the Contract.  The term "Claim" also includes other disputes and matters in
question between the Owner and Contractor arising out of or relating to the
Contract.  Claims must be made by written notice.  The responsibility to
substantiate Claims shall rest with the party making the Claim.  

4.3.2    DECISION OF ARCHITECT.  Claims, including those alleging an error or
omission by the Architect, shall be referred initially to the Architect for
action as provided in Paragraph 4.4.  A decision by the Architect, as provided
in Subparagraph 4.4., shall be required as a condition precedent to arbitration
or litigation of a Claim between the Contractor and Owner as to all such matters
arising prior to the date final payment is due, regardless of (1) whether such
matters relate to execution and progress of the Work or (2) the extent to which
the Work has been completed.  The decision by the Architect in response to a
Claim shall not be a condition precedent to arbitration or litigation in the
event (1) the position of Architect is vacant, (2) the Architect has not
received evidence or has failed to render a decision within agreed time limits,
(3) the Architect has failed to take action required under Subparagraph 4.4.4
within 30 days after the Claim is made, (4) 45 days have passed after the Claim
has been referred to the Architect or (5) the Claim relates to a mechanic's
lien.

4.3.3    TIME LIMITS ON CLAIMS.  Claims by either party must be made within 21
days after occurrence of the event giving rise to such Claim or within 21 days
after the claimant first recognizes the condition giving rise to the Claim,
whichever is later.  Claims must be made by written notice.  An additional Claim
made after the initial Claim has been implemented by Change Order will not be
considered unless submitted in a timely manner.  


                                       12
<PAGE>

4.3.4    CONTINUING CONTRACT PERFORMANCE.  Pending final resolution of a Claim
including arbitration, unless otherwise agreed in writing the Contractor shall
proceed diligently with performance of the Contract and the Owner shall continue
to make payments in accordance with the Contract Documents.

4.3.5    WAIVER OF CLAIMS: FINAL PAYMENT.  The making of final payment shall
constitute a waiver of Claims by the Owner except those arising from:

         .1   liens, Claims, security interests or encumbrances arising out 
              of the Contract and unsettled; 

         .2   failure of the Work to comply with the requirements of the 
              Contract Documents; or

         .3   terms of special warranties required by the Contract Documents.

4.3.6    CLAIMS FOR CONCEALED OR UNKNOWN CONDITIONS.  If conditions are
encountered at the site which are (1) subsurface or otherwise concealed physical
conditions which differ materially from those indicated in the Contract
Documents or (2) unknown physical conditions of an unusual nature, which differ
materially from those ordinarily found to exist and generally recognized as
inherent in construction activities of the character provided for in the
Contract Documents, then notice by the observing party shall be given to the
other party promptly before conditions are disturbed and in no event later than
21 days after first observance of the conditions.  The Architect will promptly
investigate such conditions and, if they differ materially and cause an increase
or decrease in the Contractor's cost of, or time required for, performance of
any part of the Work, will recommend an equitable adjustment in the Contract Sum
or Contract Time, or both.  If the Architect determines that the conditions at
the site are not materially different from those indicated in the Contract
Documents and that no change in the terms of the Contract is justified, the
Architect shall so notify the Owner and Contractor in writing, stating the
reasons.  If the Owner and Contractor cannot agree on an adjustment in the
Contract Sum or Contract Time, the adjustment shall be referred to the Architect
for initial determination, subject to further proceedings pursuant to Paragraph
4.4.

4.3.7    CLAIMS FOR ADDITIONAL COST.  If the Contractor wishes to make Claim
for an increase in the Contract Sum, written notice as provided herein shall be
given before proceeding to execute the Work.  Prior notice is not required for
Claims relating to an emergency endangering life or property arising under
Paragraph 10.3.  If the Contractor believes additional cost is involved for
reasons including but not limited to (1) a written interpretation from the
Architect, (2) an order by the Owner to stop the Work where the Contractor was
not at fault, (3) a written order for a minor change in the Work issued by the
Architect, (4) failure of payment by the Owner, (5) termination of the Contract
by the Owner, (6) Owner's suspension or (7) other reasonable grounds, Claim
shall be filed in accordance with the procedures established herein.

4.3.8    CLAIMS FOR ADDITIONAL TIME

4.3.8.1  If the Contractor wishes to make Claim for an increase in the Contract
Time, written notice as provided herein shall be given.  The Contractor's Claim
shall include an estimate of cost and of probable effect of delay on progress of
the Work.  In the case of a continuing delay only one Claim is necessary.

4.3.8.2  If adverse weather conditions are the basis for a Claim for additional
time, such Claim shall be documented by data substantiating that weather
conditions were abnormal for the period of time and could not have been
reasonably anticipated, and that weather conditions had an adverse effect on the
scheduled construction.


                                       13
<PAGE>

4.3.9    INJURY OR DAMAGE TO PERSON OR PROPERTY.  If either party to the 
Contract suffers injury or damage to person or property because of an act or 
omission of the other party, or any of the other party's employees or agents, 
or of others for whose acts such party is legally liable, written notice of 
such injury or damage, whether or not insured, shall be given to the other 
party within a reasonable time not exceeding 21 days after first observance. 
The notice shall provide sufficient detail to enable the other party to 
investigate the matter.  If a Claim for additional cost or time related to 
this Claim is to be asserted, it shall be filed as provided in Subparagraphs 
4.3.7 or 4.3.8.

4.4      RESOLUTION OF CLAIMS AND DISPUTES

4.4.1    The Architect will review Claims and take one or more of the following
preliminary actions within ten days of receipt of a Claim: (I) request
additional supporting data from the claimant, (2) submit a schedule to the
parties indicating when the Architect expects to take action, (3) reject the
Claim in whole or in part, stating reasons for rejection, (4) recommend approval
of the Claim by the other party or (5) suggest a compromise.  The Architect may
also, but is not obligated to, notify the surety, if any, of the nature and
amount of the Claim.

4.4.2    If a Claim has been resolved, the Architect will prepare or obtain
appropriate documentation.

4.4.3    If a Claim has not been resolved, the party making the Claim shall,
within a reasonable time after receipt of the Architect's preliminary response,
take one or more of the following actions: (1) submit additional supporting data
requested by the Architect, (2) modify the initial Claim or (3) notify the
Architect that the initial Claim stands.

4.4.4    If a Claim has not been resolved after consideration of the 
foregoing and of further evidence presented by the parties or requested by 
the Architect, the Architect will notify the parties in writing that the 
Architect's decision will be made within seven days, which decision shall be 
final and binding on the parties but subject to arbitration.  Upon expiration 
of such time period, the Architect will render to the parties the Architect's 
written decision relative to the Claim, including any change in the Contract 
Sum or Contract Time or both. If there is a surety and there appears to be a 
possibility of a Contractor's default, the Architect may, but is not 
obligated to notify the surety and request the surety's assistance in 
resolving the controversy.

4.5      ARBITRATION

4.5.1    CONTROVERSIES AND CLAIMS SUBJECT TO ARBITRATION.  Any controversy or
Claim arising out of or related to the Contract, or the breach thereof, shall be
settled by arbitration in accordance with the Construction Industry Arbitration
Rules of the American Arbitration Association, and judgment upon the award
rendered by the arbitrator or arbitrators may be entered in any court having
jurisdiction thereof, except controversies or claims relating to aesthetic
effect and except those waived as provided for in Subparagraph 4.3.5.  Such
controversies or claims upon which the Architect has given notice and rendered a
decision as provided in Subparagraph 4.4.4 shall be subject to arbitration upon
written demand of either party.  Arbitration may be commenced when 45 days have
passed after a claim has been referred to the Architect as provided in Paragraph
4.3 and no decision has been rendered.

4.5.2    RULES AND NOTICES FOR ARBITRATION.  Claims between the Owner and
Contractor not resolved under Paragraph 4.4 shall, if subject to arbitration
under Subparagraph 4.5.1, be decided by arbitration in accordance with the
Construction Industry Arbitration Rules of the American Arbitration Association
currently in effect, unless the parties mutually agree otherwise.  Notice of
demand for arbitration shall be filed in writing with the


                                       14
<PAGE>

other party to the Agreement between the Owner and Contractor and with the 
American Arbitration Association, and a copy shall be filed with the 
Architect.

4.5.3    CONTRACT PERFORMANCE DURING ARBITRATION.  During arbitration
proceedings, the Owner and Contractor shall comply with Subparagraph 4.3.4.

4.5.4    WHEN ARBITRATION MAY BE DEMANDED.  Demand for arbitration of any Claim
may not be made until the earlier of (1) the date on which the Architect has
rendered a final written decision on the Claim, (2) the tenth day after the
parties have presented evidence to the Architect or have been given reasonable
opportunity to do so, if the Architect has not rendered a final written decision
by that date, or (3) any of the five events described in Subparagraph 4.3.2.

4.5.4.1  When a written decision of the Architect states that (1) the decision
is final but subject to arbitration and (2) a demand for arbitration of a Claim
covered by such decision must be made within 30 days after the date on which the
party making the demand receives the final written decision, then failure to
demand arbitration within said 30 days' period shall result in the Architect's
decision becoming final and binding upon the Owner and Contractor. If the
Architect renders a decision after arbitration proceedings have been initiated,
such decision may be entered as evidence, but shall not supersede arbitration
proceedings unless the decision is acceptable to all parties concerned.

4.5.4.2  A demand for arbitration shall be made within the time limits
specified in Subparagraphs 4.5.1 and 4.5.4 in no event shall it be made after
the date when institution of legal or equitable proceedings based on such Claim
would be barred by the applicable statute of limitations as determined pursuant
to Paragraph 13.7.

4.5.5    (INTENTIONALLY OMITTED)

4.5.6    CLAIMS AND TIMELY ASSERTION OF CLAIMS.  A party who files a notice of
demand for arbitration must assert in the demand all Claims then known to that
party on which arbitration is permitted to be demanded.  When a party fails to
include a Claim through oversight, inadvertence or excusable neglect or when a
Claim has matured or been acquired subsequently, the arbitrator or arbitrators
may permit amendment.

4.5.7    JUDGMENT ON FINAL AWARD.  The award rendered by the arbitrator or
arbitrators shall be final, and judgment may be entered upon it in accordance
with applicable law in any court having jurisdiction thereof.

                                   ARTICLE 5
                                SUBCONTRACTORS

5.1      DEFINITIONS

5.1.1    A Subcontractor is a person or entity who has a direct contract with
the Contractor to perform a portion of the Work at the site.  The term
"Subcontractor" is referred to throughout the Contract Documents as if singular 
in number and means a Subcontractor or an authorized representative of the
Subcontractor.  The term "Subcontractor" does not include a separate contractor 
or subcontractors of a separate contractor.

5.1.2    A Sub-subcontractor is a person or entity who has a direct or indirect
contract with a Subcontractor to perform a portion of the Work at the site.  The
term "Sub-subcontractor" is referred to throughout the


                                       15
<PAGE>

Contract Documents as if singular in number and means a Sub-subcontractor or 
an authorized representative of the Sub-subcontractor.

5.2      AWARD OF SUBCONTRACTS AND OTHER CONTRACTS FOR PORTIONS OF THE WORK

5.2.1    Unless otherwise stated in the Contract Documents or the bidding
requirements, the Contractor, as soon as practicable after award of the
Contract, shall furnish in writing to the Owner through the Architect the names
of persons or entities (including those who are to furnish materials or
equipment fabricated to a special design) proposed for each principal portion of
the Work.  The Architect will promptly reply to the Contractor in writing
stating whether or not the Owner or the Architect, after due investigation, has
reasonable objection to any such proposed person or entity. Failure of the Owner
or Architect to reply promptly shall constitute notice of  no reasonable
objection.

5.2.2    The Contractor shall not contract with a proposed person or entity to
whom the Owner or Architect has made reasonable and timely objection.  The
Contractor shall not be required to contract with anyone to whom the Contractor
has made reasonable objection.

5.2.3    If the Owner or Architect has reasonable objection to a person or
entity proposed by the contractor, the Contractor shall propose another to whom
the Owner or Architect has no reasonable objection. The Contract Sum shall be
increased or decreased by the difference in cost occasioned by such change and
an appropriate Change Order shall be issued.  However, no increase in the
Contract Sum shall be allowed for  such change unless the Contractor has acted
promptly and responsively in submitting names as required.

5.2.4    The Contractor shall not change a Subcontractor, person or entity
previously selected if the Owner or Architect makes reasonable objection to such
change.

5.3      SUBCONTRACTUAL RELATIONS

5.3.1    By appropriate agreement, written where legally required for validity,
the Contractor shall require each Subcontractor, to the extent of the Work to be
performed by the Subcontractor, to be bound to the Contractor by terms of the
Contract Documents, and to assume toward the Contractor all the obligations and
responsibilities which the Contractor, by these Documents, assumes toward the
Owner and Architect.  Each subcontract agreement shall preserve and protect the
rights of the Owner and Architect under the Contract Documents with respect to
the Work to be performed by the Subcontractor so that subcontracting thereof
will not prejudice such rights, remedies, and redress against the Contractor
that the Contractor, by the Contract Documents, has against the Owner.  Where
appropriate, the Contractor shall require each Subcontractor to enter into
similar agreements with Sub-subcontractors.  The Contractor shall make available
to each proposed Subcontractor, prior to the execution of the subcontract
agreement, copies of the Contract Documents to which the Subcontractor will be
bound, and, upon written request of the Subcontractor, identify to the
Subcontractor terms and conditions of the proposed subcontract agreement which
may be at variance with the Contract Documents.  Subcontractors shall similarly
make copies of applicable portions of such documents available to their
respective proposed Sub-subcontractors.

5.4      SUSPENSION OF WORK

5.4.1    If the Work has been suspended for more than 30 days, the
Subcontractor's compensation shall be equitably adjusted.


                                       16
<PAGE>

                                   ARTICLE 6
              CONSTRUCTION BY OWNER OR BY SEPARATE CONTRACTORS

6.1      OWNER'S RIGHT TO PERFORM CONSTRUCTION AND TO AWARD SEPARATE CONTRACTS

6.1.1    The Owner reserves the right to perform construction or operations
related to the Project with the Owner's own forces, and to award separate
contracts in connection with other portions of the Project or other construction
or operations on the site under Conditions of the Contract identical or
substantially similar to these including those portions related to insurance and
waiver of subrogation.  If the Contractor claims that delay or additional cost
is involved because of such action by the Owner, the Contractor shall make such
Claim as provided elsewhere in the Contract Documents.  

6.1.2    When separate contracts are awarded for different portions of the
Project or other construction or operations on the site, the term "Contractor" 
in the Contract Documents in each case shall mean the Contractor who executes 
each separate Owner-Contractor Agreement.

6.1.3    The Owner shall provide for coordination of the activities of the
owner's own forces and of each separate contractor with the Work of the
Contractor, who shall cooperate with them.  The Contractor shall participate
with other separate contractors and the Owner in reviewing their construction
schedules when directed to do so.  The Contractor shall make any revisions to
the construction schedule and Contract Sum deemed necessary after a joint review
and mutual agreement.  The construction schedules shall then constitute the
schedules to be used by the Contractor, separate contractors and the Owner until
subsequently revised.

6.1.4    Unless otherwise provided in the Contract Documents, when the Owner
performs construction or operations related to the Project with the Owner's own
forces, the Owner shall be deemed to be subject to the same obligations and to
have the same rights which apply to the Contractor under the Conditions of that
Contract, including, without excluding others, those stated in Article 3, this
Article 6 and Articles 10, 11 and 12.

6.2      MUTUAL RESPONSIBILITY

6.2.1    The Contractor shall afford the Owner and separate contractors
reasonable opportunity for introduction and storage of their materials and
equipment and performance of their activities and shall connect and coordinate
the Contractor's construction and operations with theirs as required by the
Contract Documents.

6.2.2    If part of the Contractor's Work depends for proper execution or
results upon construction or operations by the Owner or a separate contractor,
the Contractor shall, prior to proceeding with that portion of the Work,
promptly report to the Architect apparent discrepancies or defects in such other
construction that would render it unsuitable for such proper execution and
results.  Failure of the Contractor so to report shall constitute an
acknowledgment that the Owner's or separate contractors' completed or partially
completed construction is fit and proper to receive the Contractor's Work,
except as to defects not then reasonably discoverable.

6.2.3    Costs caused by delays or by improperly timed activities or defective
construction shall be borne by the party responsible therefor.


                                       17
<PAGE>

6.2.4    The Contractor shall promptly remedy damage wrongfully caused by the
Contractor to completed or partially completed construction or to property of
the Owner or separate contractors as provided in Subparagraph 10.2.5.

6.2.5    Claims and other disputes and matters in question between the
Contractor and a separate contractor shall be subject to the provisions of
Paragraph 4.3 provided the separate contractor has reciprocal obligations.

6.2.6    The Owner and each separate contractor shall have the same
responsibilities for cutting and patching as are described for the Contractor in
Paragraph 3.14.

6.3      OWNER'S RIGHT TO CLEAN UP

6.3.1    If a dispute arises among the Contractor, separate contractors and the
Owner as to the responsibility under their respective contracts for maintaining
the premises and surrounding area free from waste materials and rubbish as
described in Paragraph 3.15, the Owner may clean up and allocate the cost among
those responsible as the Architect determines to be just.

                                   ARTICLE 7
                             CHANGES IN THE WORK

7.1      CHANGES

7.1.1    Changes in the Work may be accomplished after execution of the
Contract, and without invalidating the Contract, by Change Order, Construction
Change Directive or order for a minor change in the Work, subject to the
limitations stated in this Article 7 and elsewhere in the Contract Documents.

7.1.2    A Change Order shall be based upon agreement among the Owner,
Contractor and Architect; a Construction Change Directive requires agreement by
the Owner and Architect and may or may not be agreed to by the Contractor; an
order for a minor change in the Work may be issued by the Architect alone.  

7.1.3    Changes in the Work shall be performed under applicable provisions of
the Contract Documents, and the Contractor shall proceed promptly, unless
otherwise provided in the Change Order, Construction Change Directive or order
for a minor change in the Work.

7.1.4    If unit prices are stated in the Contract Documents or subsequently
agreed upon, and if quantities originally contemplated are so changed in a
proposed Change Order or Construction Change Directive that application of such
unit prices to quantities of Work proposed will cause substantial inequity to
the Owner or Contractor, the applicable unit prices shall be equitably adjusted.

7.2      CHANGE ORDERS

7.2.1    A Change Order is a written instrument prepared by the Architect and
signed by the Owner, Contractor, and Architect stating their agreement upon all
of the following:

         .1   a change in the Work;

         .2   the amount of the adjustment in the Contract Sum, if any; and


                                       18
<PAGE>

         .3   the extent of the adjustment in the Contract Time, if any. 

7.2.2    Methods used in determining adjustments to the Contract Sum may
include those listed in Subparagraph 7.3.3.

7.3      CONSTRUCTION CHANGE DIRECTIVES

7.3.1    A Construction Change Directive is a written order prepared by the
Architect and signed by the Owner and Architect, directing a change in the Work
and stating a proposed basis for adjustment, if any, in the Contract Sum or
Contract Time, or both.  The Owner may by Construction Change Directive, without
invalidating the Contract, order changes in the Work within the general scope of
the Contract consisting of additions, deletions, or other revisions, the
Contract Sum and Contract Time being adjusted accordingly.

7.3.2    A Construction Change Directive shall be used in the absence of total
agreement on the terms of a Change Order.

7.3.3    If the Construction Change Directive provides for an adjustment to the
Contract sum, the adjustment shall be based on one of the following methods:

         .1   mutual acceptance of a lump sum properly itemized and supported 
              by sufficient substantiating data to permit evaluation;

         .2   unit prices stated in the Contract Documents or subsequently 
              agreed upon;

         .3   cost to be determined in a manner agreed upon by the parties 
              and a mutually acceptable fixed or percentage fee; or

         .4   as provided in Subparagraph 7.3.6.

7.3.4    Upon receipt of a Construction Change Directive, the Contractor shall
promptly proceed with the change in the Work involved and advise the Architect
of the Contractor's agreement or disagreement with the method, if any, provided
in the Construction Change Directive for determining the proposed adjustment in
the Contract Sum or Contract Time.

7.3.5    A Construction Change Directive signed by the Contractor indicates the
agreement of the Contractor therewith, including adjustment in Contract Sum and
Contract Time or the method for determining them.  Such agreement shall be
effective immediately and shall recorded as a Change Order.

7.3.6    If the Contractor does not respond promptly or disagrees with the
method for adjustment in the Contract Sum, the method and the adjustment shall
be determined by the Architect on the basis of reasonable expenditures and
savings of those performing the Work attributable to the change, including, in
case of an increase in the Contract Sum, a reasonable allowance for overhead and
profit.  In such case, and also under Clause 7.3.3.3, the Contractor shall keep
and present, in such form as the Architect may prescribe, an itemized accounting
together with appropriate supporting data.  Unless otherwise provided in the
Contract Documents, costs for the purposes of this Subparagraph 7.3.6 shall be
limited to the following:


                                       19
<PAGE>

         .1   costs of labor, including social security, old age and 
              unemployment insurance, fringe benefits required by agreement 
              or custom, and workers' or workmen's compensation insurance;

         .2   costs of materials, supplies and equipment, including cost of 
              transportation, whether incorporated or consumed;

         .3   rental costs of machinery and equipment, exclusive of hand 
              tools, whether rented from the Contractor or others;

         .4   costs of premiums for all bonds and insurance, permit fees, and 
              sales, use or similar taxes related to the Work; and

         .5   additional costs of supervision and field office personnel 
              directly attributable to the change.

7.3.7    Pending final determination of cost to the Owner, amounts not in
dispute shall be included in Applications for Payment.  The amount of credit to
be allowed by the Contractor to the Owner for a deletion or change which results
in a net decrease in the Contract Sum shall be actual net cost as confirmed by
the Architect.  When both additions and credits covering related Work or
substitutions are involved in a change, the allowance for overhead and profit
shall be figured on the basis of net increase, if any, with respect to that
change.

7.3.8    If the Owner and Contractor do not agree with the adjustment in
Contract Time or the method for determining it, the adjustment in Contract Time
or the method for determining it, the adjustment or the method shall be referred
to the Architect for determination.

7.3.9    When the Owner and Contractor agree with the determination made by the
Architect concerning the adjustments in the Contract Sum and Contract time, or
otherwise reach agreement upon the adjustments, such agreement shall be
effective immediately and shall be recorded by preparation and execution of an
appropriate Change Order.

7.4      MINOR CHANGES IN THE WORK

7.4.1    The Architect will have authority to order minor changes in the Work
not involving adjustment in the Contract Sum or extension of the Contract Time
and not inconsistent with the intent of the Contract Documents.  Such changes
shall be effected by written order and shall be binding on the Owner and
Contractor.  The Contractor shall carry out such written orders promptly.

                                   ARTICLE 8
                                     TIME

8.1      DEFINITIONS

8.1.1    Unless otherwise provided, Contract Time is the period of time,
including authorized adjustments, allotted in the Contract Documents for
Substantial Completion of the Work.


                                       20
<PAGE>

8.1.2    The date of commencement of the Work is the date established in the
Agreement. The date shall not be postponed by the failure to act of the
Contractor or of persons or entities for whom the Contractor is responsible.

8.1.3    The date of Substantial Completion is the date certified by the
Architect in accordance with Paragraph 9.8.

8.1.4    The term "day" as used in the Contract Documents shall mean calendar 
day unless otherwise specifically defined.

8.2      PROGRESS AND COMPLETION

8.2.1    Time limits stated in the Contract Documents are of the essence of the
Contract.  By executing the Agreement the Contractor confirms that the Contract
Time is a reasonable period for performing the Work.

8.2.2    The Contractor shall not knowingly, except by agreement or instruction
of the Owner in writing, prematurely commence operations on the site or
elsewhere prior to the effective date of insurance required by Article 11 to be
furnished by the Contractor.  The date of commencement of the Work shall not be
changed by the effective date of such insurance.  Unless the date of
commencement is established by a notice to proceed given by the Owner, the
Contractor shall notify the Owner in writing not less than five days or other
agreed period before commencing the Work to permit the timely filing of
mortgages, mechanic's liens, and other security interests.

8.2.3    The Contractor shall proceed expeditiously with adequate forces and
shall achieve Substantial Completion within the Contract time.

8.3      DELAYS AND EXTENSIONS OF TIME

8.3.1    If the Contractor is delayed at any time in progress of the Work by an
act or neglect of the Owner or Architect, or of an employee of either, or of a
separate contractor employed by the Owner, or by changes ordered in the Work, or
by labor disputes, fire, unusual delay in deliveries, unavoidable casualties or
other causes beyond the Contractor's control, or by delay authorized by the
Owner pending arbitration, or by other causes which the Architect determines may
justify delay, then the Contract Time shall be extended by Change Order for such
reasonable time as the Architect may determine.

8.3.2    Claims relating to time shall be made in accordance with applicable
provisions of Paragraph 4.3.

8.3.3    This Paragraph 8.3 does not preclude recovery of damages for delay by
either party under other provisions of the Contract Documents.

                                   ARTICLE 9
                           PAYMENTS AND COMPLETION

9.1      CONTRACT SUM

9.1.1    The Contract Sum is stated in the Agreement and, including authorized
adjustments, is the total amount payable by the Owner to the Contractor for
performance of the Work under the Contract Documents.


                                       21
<PAGE>

9.2      SCHEDULE OF VALUES

9.2.1    Before the first Application for Payment, the Contractor shall submit
to the Architect a schedule of values allocated to various portions of the Work,
prepared in such form and supported by such data to substantiate its accuracy as
the Architect may require.  This schedule, unless objected to by the Architect,
shall be used as a basis for reviewing the Contractor's Applications for
Payment.

9.3      APPLICATIONS FOR PAYMENT

9.3.1    At least ten days before the date established for each progress
payment, the Contractor shall submit to the Architect an itemized Application
for Payment for operations completed in accordance with the schedule of values. 
Such application shall be notarized, if required, and supported by such data
substantiating the Contractor's right to payment as the Owner or Architect may
require, such as copies of requisitions from Subcontractors and material
suppliers, and reflecting retainage if provided for elsewhere in the Contract
Documents.

9.3.1.1  Such applications may include requests for payment on account of
changes in the Work which have been properly authorized by Construction Change
Directives but not yet included in Change Orders.

9.3.2    Unless otherwise provided in the Contract Documents, payments shall be
made on account of materials and equipment delivered and suitably stored at the
site for subsequent incorporation in the work.  If approved in advance by the
Owner, payment may similarly be made for materials and equipment suitably stored
off the site at a location agreed upon in writing.  Payment for materials and
equipment stored on or off the site shall be conditioned upon compliance by the
Contractor with procedures satisfactory to the Owner to establish the Owner's
title to such materials and equipment or otherwise protect the Owner's interest,
and shall include applicable insurance, storage and transportation to the site
for such materials and equipment stored off the site.

9.3.3    The Contractor warrants that title to all Work covered by an 
Application for Payment will pass to the Owner no later than the time of 
payment.  The Contractor further warrants that upon submittal of an 
Application for Payment all Work for which Certificates for Payment have been 
previously issued and payments received from the Owner shall, to the best of 
the Contractor's knowledge, information, and belief, be free and clear of 
liens, claims, security interests or encumbrances in favor of the Contractor, 
Subcontractors, material suppliers, or other persons or entities making a 
claim by reason of having provided labor materials and equipment relating to 
the Work. 

9.4      CERTIFICATES FOR PAYMENT

9.4.1    The Architect will, within seven days after receipt of the
Contractor's Application for Payment, either issue to the Owner a Certificate
for Payment, with a copy to the Contractor, for such amount as the Architect
determines is properly due, or notify the Contractor and Owner in writing of the
Architect's reasons for withholding certification in whole or in part as
provided in Subparagraph 9.5.1.

9.4.2    The issuance of a Certificate for Payment will constitute a
representation by the Architect to the Owner, based on the Architect's
observations at the site and the data comprising the Application for Payment,
that the Work has progressed to the point indicated and that, to the best of the
Architect's knowledge, information and belief, quality of the Work is in
accordance with the Contract Documents.  The foregoing representations are
subject to an evaluation of the Work for conformance with the Contract Documents
upon


                                       22
<PAGE>

Substantial Completion, to results of subsequent tests and inspections, to
minor deviations from the Contract Documents correctable prior to completion and
to specific qualifications expressed by the Architect.  The issuance of a
Certificate for Payment will further constitute a representation that the
Contractor is entitled to payment in the amount certified.  However, the
issuance of a Certificate for Payment will not be a representation that the
Architect has (1) made exhaustive or continuous on-site inspections to check the
quality or quantity of the Work, (2) reviewed construction means, methods,
techniques, sequences or procedures, (3) reviewed copies of requisitions
received from Subcontractors and material suppliers and other data requested by
the Owner to substantiate the Contractor's right to payment or (4) made
examination to ascertain how or for what purpose the Contractor has used money
previously paid on account of the Contract Sum.

9.5      DECISIONS TO WITHHOLD CERTIFICATION

9.5.1    The Architect may decide not to certify payment and may withhold a
Certificate for Payment in whole or in part, to the extent reasonably necessary
to protect the Owner, if in the Architect's opinion the representations to the
Owner required by Subparagraph 9.4.2 cannot be made.  If the Architect is unable
to certify payment in the amount of the Application, the Architect will notify
the Contractor and Owner as provided in Subparagraph 9.4.1.  If the Contractor
and Architect cannot agree on a revised amount, the Architect will promptly
issue a Certificate for Payment for the amount for which the Architect is able
to make such representations to the Owner.  The Architect may also decide not to
certify payment or, because of subsequently discovered evidence or subsequent
observations, may nullify the whole or a part of a Certificate for Payment
previously issued, to such extent as may be necessary in the Architect's opinion
to protect the Owner from loss because of:

         .1   defective Work not remedied;

         .2   third party claims filed or reasonable evidence indicating 
              probable filing of such claims;

         .3   failure of the Contractor to make payments properly to 
              Subcontractors or for labor, materials, or equipment;

         .4   reasonable evidence that the Work cannot be completed for the 
              unpaid balance of the Contract Sum;

         .5   damage to the Owner or another contractor;

         .6   reasonable evidence that the Work will not be completed within 
              the Contract Time, and that the unpaid balance would not be 
              adequate to cover actual or liquidated damages for the 
              anticipated delay; or 

         .7   persistent failure to carry out the Work in accordance with the 
              Contract Documents.

9.5.2    When the above reason for withholding certification are removed,
certification will be made for amounts previously withheld.

9.6      PROGRESS PAYMENTS


                                       23
<PAGE>

9.6.1    After the Architect has issued a Certificate for Payment, the Owner
shall make payment in the manner and within the time provided in the Contract
Documents, and shall so notify the Architect.

9.6.2    The Contractor shall promptly pay each Subcontractor, upon receipt of
payment from the Owner, out of the amount paid to the Contractor on account of
such Subcontractor's portion of the Work, the amount to which said Subcontractor
is entitled, reflecting percentages actually retained from payments to the
Contractor on account of such Subcontractor's portion of the Work.  The
Contractor shall, by appropriate agreement with each Subcontractor, require each
Subcontractor to make payments to Sub-subcontractors in similar manner.

9.6.3    The Architect will, on request, furnish to a Subcontractor, if
practicable, information regarding percentages of completion or amounts applied
for by the Contractor and action taken thereon by the Architect and Owner on
account of portions of the Work done by such Subcontractor.

9.6.4    Neither the Owner nor Architect shall have an obligation to pay or to
see to the payment of money to a Subcontractor except as may otherwise be
required by law.

9.6.5    Payment to material suppliers shall be treated in a manner similar to
that provided in Subparagraphs 9.6.2, 9.6.3 and 9.6.4.

9.6.6    A Certificate for Payment, a progress payment, or partial or entire
use or occupancy of the Project by the Owner shall not constitute acceptance of
Work not in accordance with the Contract Documents.

9.7      FAILURE OF PAYMENT

9.7.1    If the Architect does not issue a Certificate for Payment, through no
fault of the Contractor, within seven days after receipt of the Contractor's
Application for Payment, or if the Owner does not pay the Contractor within
seven days after the date established in the Contract Documents the amount
certified by the Architect or awarded by arbitration, then the Contractor may,
upon seven additional days' written notice to the Owner and Architect, stop the
Work until payment of the amount owing has been received.  The Contract Time
shall be extended appropriately and the Contract Sum shall be increased by the
amount of the Contractor's reasonable costs of shut-down, delay and start-up,
which shall be accomplished as provided in Article 7.

9.8      SUBSTANTIAL COMPLETION

9.8.1    Substantial Completion is the stage in the progress of the Work when
the Work or designated portion thereof is sufficiently complete in accordance
with the Contract Documents so the Owner can occupy or utilize the Work for its
intended use.

9.8.2    When the Contractor considers that the Work, or a portion thereof
which the Owner agrees to accept separately, is substantially complete, the
Contractor shall prepare and submit to the Architect a comprehensive list of
items to be completed or corrected.  The Contractor shall proceed promptly to
complete and correct items on the list.  Failure to include an item on such list
does not alter the responsibility of the Contractor to complete all Work in
accordance with the Contract Documents.  Upon receipt of the Contractor's list,
the Architect will make an inspection to determine whether the Work or
designated portion thereof is substantially complete.  If the Architect's
inspection discloses any item, whether or not included on the Contractor's list,
which is not in accordance with the requirements of the Contract Documents, the
Contractor shall, before issuance of the Certificate of Substantial Completion,
complete or correct such item upon notification by the


                                       24
<PAGE>

Architect.  The Contractor shall then submit a request for another inspection 
by the Architect to determine Substantial completion.  When the Work or 
designated portion thereof is substantially complete, the Architect will 
prepare a Certificate of Substantial Completion which shall establish the 
date of Substantial Completion, shall establish responsibilities of the Owner 
and Contractor for security, maintenance, heat, utilities, damage to the Work 
and insurance, and shall fix the time within which the Contractor shall 
finish all items on the list accompanying the Certificate.  Warranties 
required by the Contract Documents shall commence on the date of Substantial 
Completion of the Work or designated portion thereof unless otherwise 
provided in the Certificate of Substantial Completion.  The Certificate of 
Substantial Completion shall be submitted to the Owner and Contractor for 
their written acceptance of responsibilities assigned to them in such 
Certificate.

9.8.3    Upon Substantial Completion of the Work or designated portion thereof
and upon application by the Contractor and certification by the Architect, the
Owner shall make payment, reflecting adjustment in retainage, if any, for such
Work or portion thereof as provided in the Contract Documents.

9.9      PARTIAL OCCUPANCY OR USE

9.9.1    The Owner may occupy or use any completed or partially completed
portion of the Work at any stage when such portion is designated by separate
agreement with the Contractor, provided such occupancy or use is consented to by
the insurer as required under Subparagraph 11.3.11 and authorized by public
authorities having jurisdiction over the Work.  Such partial occupancy or use
may commence whether or not the portion is substantially complete, provided the
Owner and Contractor have accepted in writing the responsibilities assigned to
each of them for payments, retainage, if any, security, maintenance, heat,
utilities, damage to the Work and insurance, and have agreed in writing
concerning the period for correction of the Work and commencement of warranties
required by the Contract Documents.  When the Contractor considers a portion
substantially complete, the Contractor shall prepare and submit a list to the
Architect as provided under Subparagraph 9.8.2.  Consent of the Contractor to
partial occupancy or use shall not be unreasonably withheld.  The stage of the
progress of the Work shall be determined by written agreement between the Owner
and Contractor or, if no agreement is reached, by decision of the Architect.

9.9.2    Immediately prior to such partial occupancy or use, the Owner,
Contractor, and Architect shall jointly inspect the area to be occupied or
portion of the Work to be used in order to determine and record the condition of
the Work.

9.9.3    Unless otherwise agreed upon, partial occupancy or use of a portion or
portions of the Work shall not constitute acceptance of the Work not complying
with the requirements of the Contract Documents.

9.10     FINAL COMPLETION AND FINAL PAYMENT

9.10.1   Upon receipt of written notice that the Work is ready for final
inspection and acceptance and upon receipt of a final Application for Payment,
the Architect will promptly make such inspection and, when the Architect finds
the Work acceptable under the Contract Documents and the Contract fully
performed, the Architect will promptly issue a final Certificate for Payment
stating that to the best of the Architect's knowledge, information and belief,
and on the basis of the Architect's observations and inspections, the Work has
been completed in accordance with terms and conditions of the Contract Documents
and that the entire balance found to be due the Contractor and noted in said
final Certificate is due and payable.  The Architect's final Certificate for
Payment will constitute a further representation that conditions listed in
Subparagraph 9.10.2 as precedent to the Contractor's being entitled to final
payment have been fulfilled.


                                       25
<PAGE>

9.10.2   Neither final payment nor any remaining retained percentage shall
become due until the Contractor submits to the Architect (1) an affidavit that
payrolls, bills for materials and equipment, and other indebtedness connected
with the Work for which the Owner or the Owner's property might be responsible
or encumbered (less amounts withheld by Owner) have been paid or otherwise
satisfied, (2) a certificate evidencing that insurance required by the Contract
Documents to remain in force after final payment is currently in effect and will
not be canceled or allowed to expire until at least 30 days' prior written
notice has been given to the Owner, (3) a written statement that the Contractor
knows of no substantial reason that the insurance will not be renewable to cover
the period required by the Contract Documents, (4) final lien waivers from all
Subcontractors and suppliers in a form satisfactory to Owner, (5) consent of
surety, if any, to final payment and (6), if required by the Owner, other data
establishing payment or satisfaction of obligations, such as receipts, releases
and waivers of liens, claims, security interests or encumbrances arising out of
the Contract, to the extent and in such form as may be designated by the Owner. 
If a Subcontractor refuses to furnish a release or waiver required by the Owner,
the Contractor may furnish a bond satisfactory to the Owner to indemnify the
Owner against such lien.  If such lien remains unsatisfied after payments are
made, the Contractor shall refund to the Owner all money that the Owner may be
compelled to pay in discharging such lien, including all costs and reasonable
attorneys' fees.

9.10.3   If, after Substantial Completion of the Work, final completion thereof
is materially delayed through no fault of the Contractor or by issuance of
Change Orders affecting final completion, and the Owner so confirms, the Owner
shall, upon application by the Contractor and certification by the Architect,
and without terminating the Contract, make payment of the balance due for that
portion of the Work fully completed and accepted.  If the remaining balance of
the Work not fully completed or corrected is less than retainage stipulated in
the Contract Documents, and if bonds have been furnished, the written consent of
surety to payment of the balance due for that portion of the Work fully
completed and accepted shall be submitted by the Contractor to the Architect
prior to certification of such payment.  Such payment shall be made under terms
and conditions governing final payment, except that it shall not constitute a
waiver of claims.  The making of final payment shall constitute a waiver of
claims by the Owner as provided in Subparagraph 4.3.5.

9.10.4   Acceptance of final payment by the Contractor, a Subcontractor or
material supplier shall constitute a waiver of claims by that payee except those
previously made in writing and identified by that payee as unsettled at the time
of final Application for Payment.  Such waivers shall be in addition to the
waiver described in Subparagraph 4.3.5.

                                   ARTICLE 10
                        PROTECTION OF PERSONS AND PROPERTY

10.1     SAFETY PRECAUTIONS AND PROGRAMS

10.1.1   The Contractor shall be responsible for initiating, maintaining and
supervising all safety precautions and programs in connection with the
performance of the Contract.

10.1.2   In the event the Contractor encounters on the site material reasonably
believed to be asbestos or polychlorinated biphenyl (PCB) which has not been
rendered harmless, the Contractor shall immediately stop work in the area
affected and report the condition to the Owner and Architect in writing.  The
Work in the affected area shall not thereafter be resumed except by written
agreement of the Owner and Contractor if in fact the material is asbestos or
polychlorinated biphenyl (PCB) and has not been rendered harmless.  The Work in
the affected area shall be resumed in the absence of asbestos or polychlorinated
biphenyl (PCB), or when it has been rendered harmless, by written agreement of
the Owner and Contractor, or in accordance with final


                                       26
<PAGE>

determination by the Architect on which arbitration has not been demanded, or 
by arbitration under Article 4.  The term "rendered harmless" shall be 
interpreted to mean that levels of asbestos and polychlorinated biphenyls are 
less than any applicable exposure standards set forth in OSHA regulations.  
In no event, however, shall the Owner have any responsibility for any 
substance or material that is brought to the Project site by the Contractor, 
any Subcontractor, any materialman or supplier or any entity for whom any of 
them is responsible.  The Contractor agrees not to use any fill or other 
materials to be incorporated into the Work which are hazardous, toxic or 
comprised of any items that are hazardous or toxic.

10.1.3   The Contractor shall not be required pursuant to Article 7 to perform
without consent any Work relating to asbestos or polychlorinated biphenyl (PCB).

10.1.4   To the fullest extent permitted by law, the Owner shall indemnify and
hold harmless the Contractor, Architect, Architect's consultants and agents and
employees of any of them from and against claims, damages, losses and expenses,
including but not limited to attorneys' fees, arising out of or resulting from
performance of the Work in the affected area if in fact the material is asbestos
or polychlorinated biphenyl (PCB) and has not been rendered harmless, provided
that such claim, damage, loss or expense is attributable to bodily injury,
sickness, disease or death, or to injury to or destruction of tangible property
(other than the Work itself) including loss of use resulting therefrom, but only
to the extent caused in whole or in part by negligent acts or omissions of the
Owner, anyone directly or indirectly employed by the Owner or anyone for whose
acts the Owner may be liable, regardless of whether or not such claim, damage,
loss or expense is caused in part by a party indemnified hereunder.  Such
obligation shall not be construed to negate, abridge, or reduce other rights or
obligations of indemnity which would otherwise exist as to a party or person
described in this Subparagraph 10.1.4.

10.2     SAFETY OF PERSONS AND PROPERTY

10.2.1   The Contractor shall take reasonable precautions for safety of, and
shall provide reasonable protection to prevent damage, injury, or loss to:

         .1   employees on the Work and other persons who may be affected 
              thereby;

         .2   the Work and materials and equipment to be incorporated 
              therein, whether in storage on or off the site, under care, 
              custody or control of the Contractor or the Contractor's 
              Subcontractors or Sub-subcontractors; and

         .3   other property at the site or adjacent thereto, such as trees, 
              shrubs, lawns, walks, pavements, roadways, structures and 
              utilities not designated for removal, relocation or replacement 
              in the course of construction.

10.2.2   The Contractor shall give notices and comply with applicable laws,
ordinances, rules, regulations and lawful orders of public authorities bearing
on safety of persons or property or their protection from damage, injury, or
loss.

10.2.3   The Contractor shall erect and maintain, as required by existing
conditions and performance of the Contract, reasonable safeguards for safety and
protection, including posting danger signs and other warnings against hazards,
promulgating safety regulations and notifying owners and users of adjacent sites
and utilities.


                                       27
<PAGE>

10.2.4   When use or storage of explosives or other hazardous materials or
equipment or unusual methods are necessary for execution of the Work, the
Contractor shall exercise utmost care and carry on such activities under
supervision of properly qualified personnel.

10.2.5   The Contractor shall promptly remedy damage and loss (other than
damage or loss insured under property insurance required by the Contract
Documents) to property referred to in Clauses 10.2.1.2 and 10.2.1.3 caused in
whole or in part by the Contractor, a Subcontractor, a Sub-subcontractor, or
anyone directly or indirectly employed by any of them, or by anyone for whose
acts they may be liable and for which the Contractor is responsible under
Clauses 10.2.1.2 and 10.2.1.3, except damage or loss attributable to acts or
omissions of the Owner or Architect or anyone directly or indirectly employed by
either of them, or by anyone for whose acts either of them may be liable, and
not attributable to the fault or negligence of the Contractor.  The foregoing
obligations of the Contractor are in addition to the Contractor's obligations
under Paragraph 3.18.

10.2.6   The Contractor shall designate a responsible member of the
Contractor's organization at the site whose duty shall be prevention of
accidents.  This person shall be the Contractor's superintendent unless
otherwise designated by the Contractor in writing to the Owner and Architect.

10.2.7   The Contractor shall not load or permit any part of the construction
or site to be loaded so as to endanger its safety.

10.3     EMERGENCIES

10.3.1   In an emergency affecting safety of persons or property, the
Contractor shall act, at the Contractor's discretion, to prevent threatened
damage, injury or loss.  Additional compensation or extension of time claimed by
the Contractor on account of an emergency shall be determined as provided in
Paragraph 4.3 and Article 7.

                                   ARTICLE 11
                             INSURANCE AND BONDS

11.1     CONTRACTOR'S LIABILITY INSURANCE

11.1.1   The Contractor shall purchase from and maintain in a company or
companies lawfully authorized to do business in the jurisdiction in which the
Project is located such insurance as will protect the Contractor from claims set
forth below which may arise out of or result from the Contractor's operations
under the Contract for which the Contractor may be legally liable, whether such
operations be by the Contractor or by a Subcontractor or by anyone directly or
indirectly employed by any of them, or by anyone for whose acts any of them may
be liable:

         .1   claims under workers' or workmen's compensation, disability 
              benefit and other similar employee benefit acts which are 
              applicable to the Work to be performed;

         .2   claims for damages because of bodily injury, occupational 
              sickness or disease, or death of the Contractor's employees:

         .3   claims for damages because of bodily injury, sickness or 
              disease, or death of any person other than the Contractor's 
              employees:


                                       28
<PAGE>

         .4   claims for damages insured by usual personal injury liability 
              coverage which are sustained by (1) by a person as a result of 
              an offense directly or indirectly related to employment of such 
              person by the Contractor, or (2) by another person;

         .5   claims for damages, other than to the work itself, because of 
              injury to or destruction of tangible property, including loss 
              of use resulting therefrom:

         .6   claims for damages because of bodily injury, death of a person 
              or property damage arising out of ownership, maintenance or use 
              of a motor vehicle; and

         .7   claims involving contractual liability insurance applicable to 
              the Contractor's obligations under Paragraph 3.18.

11.1.2   The insurance required by Subparagraph 11.1.1 shall be written for 
not less than limits of liability specified in the Contract Documents or 
required by law, whichever coverage is greater.  Coverages, whether written 
on an occurrence or claims-made basis, shall be maintained without 
interruption from date of commencement of the work until date of final 
payment and termination of any coverage required to be maintained after final 
payment.

11.1.3   Certificates of Insurance acceptable to the Owner shall be filed 
with the Owner prior to commencement of the Work.  These Certificates and the 
insurance policies required by this Paragraph 11.1 shall contain a provision 
that coverages afforded under the policies will not be canceled or allowed to 
expire until at least 60 days' prior written notice has been given to the 
Owner. If any of the foregoing insurance coverages are required to remain in 
force after final payment and are reasonably available, an additional 
certificate evidencing continuation of such coverage shall be submitted with 
the final Application for Payment as required by Subparagraph 9.10.2.  
Information concerning reduction of coverage shall be furnished by the 
Contractor with reasonable promptness in accordance with the Contractor's 
information and belief.

11.2     OWNER'S LIABILITY INSURANCE

11.2.1   The Owner shall be responsible for purchasing and maintaining the
Owner's usual liability insurance.  Optionally, the Owner may purchase and
maintain other insurance for self-protection against claims which may arise from
operations under the Contract.  The Contractor shall not be responsible for
purchasing and maintaining this optional Owner's liability insurance unless
specifically required by the Contract Documents.

11.3     PROPERTY INSURANCE

11.3.1   The Contractor shall purchase and maintain, in a company or companies
lawfully authorized to do business in the jurisdiction in which the Project is
located, property insurance in the amount of the initial Contract Sum, as well
as subsequent modifications thereto for the entire Work at the site on a
replacement cost basis without voluntary deductibles.  Such property insurance
shall be maintained, unless otherwise provided in the Contract Documents or
otherwise agreed in writing by all persons and entities who are beneficiaries of
such insurance, until final payment has been made as provided in Paragraph 9.10
or until no person or entity other than the Owner has an insurable interest in
the property required by this Paragraph 11.3 to be covered, whichever is
earlier.  This insurance shall include interests of the Owner, the Architect,
the Contractor, Subcontractors and Sub-subcontractors in the Work.


                                       29
<PAGE>

11.3.1.1 Property insurance shall be on an all-risk policy form and shall
insure against the perils of fire and extended coverage and physical loss or
damage, including without duplication of coverage, theft, vandalism, malicious
mischief, collapse, falsework, temporary buildings and debris removal, including
demolition occasioned by enforcement of any applicable legal requirements, and
shall cover reasonable compensation for Architect's services and expenses
required as a result of such insured loss. 

11.3.1.2 If the property insurance requires minimum deductibles the Contractor
shall be reimbursed for  costs not covered because of such deductibles, subject
to the provisions of the Agreement. 

11.3.1.3 This property insurance shall cover portions of the Work stored off
the site after written approval of the Owner at the value established in the
approval, and also portions of the Work in transit.

11.3.2   The Contractor shall purchase and maintain insurance, which shall
specifically cover all systems and equipment which are a part of the Work,
during installation, start-up, hot and cold testing and until final acceptance
by the Owner; this insurance shall include interests of the Owner, Contractor,
Subcontractors and Sub-subcontractors in the Work, and the Owner and Contractor
shall be named insureds.

11.3.3   Before an exposure to loss may occur, the Contractor shall file with
the Owner a copy of each policy that includes insurance coverages required by
this Paragraph 11.3.  Each policy shall contain all generally applicable
conditions, definitions, exclusions and endorsements related to this Project. 
Each policy shall contain a provision that the policy will not be canceled or
allowed to expire until at least 60 days' prior written notice has been given to
the Owner.

11.3.4   Waivers of Subrogation.  The Owner and Contractor waive all rights
against (1) each other and any of their subcontractors, sub-subcontractors,
agents and employees, each of the other, and (2) the Architect, Architect's
consultants, separate contractors described in Article 6, if any, and any of
their subcontractors, sub-subcontractors, agents and employees, for damages
caused by fire or other perils to the extent covered by property insurance
obtained pursuant to this Paragraph 11.3, or other property insurance applicable
to the Work, except such rights as they have to proceeds of such insurance held
by the Owner as fiduciary.  The Owner or Contractor, as appropriate, shall
require of the Architect, Architect's consultants, separate contractors
described in Article 6, if any, and the subcontractors, sub-subcontractors,
agents and employees of any of them, by appropriate agreements, written where
legally required for validity, similar waivers each in favor of other parties
enumerated herein. The policies shall provide such waiver of subrogation by
endorsement or otherwise.  A waiver of subrogation shall be effective as to a
person or entity even though that person or entity would otherwise have a duty
of indemnification, contractual or otherwise, did not pay the insurance premium
directly or indirectly, and whether or not the person or entity had an insurable
interest in the property damaged.

11.3.5   A loss insured under the property insurance shall be adjusted by the
Owner and made payable to the Owner for the insureds, as their interests may
appear, subject to requirements of any applicable mortgagee clause and of
Subparagraph 11.3.10.  The Contractor shall pay Subcontractors their just shares
of insurance proceeds received by the Contractor, and by appropriate agreements,
written where legally required for validity, shall require Subcontractors to
make payments to their Sub-subcontractors in similar manner.



11.3.6   If requested in writing by any party in interest, the Owner shall
deposit in a separate account proceeds so received, which the Owner shall
distribute in accordance with such agreement as the parties in


                                       30
<PAGE>

interest may reach, or in accordance with an arbitration award in which case the
procedure shall be as provided in Paragraph 4.5.  If after such loss no other 
special agreement is made, replacement of damaged property shall be covered by
appropriate Change Order. 

11.3.7   The Owner shall have power to adjust and settle a loss with insurers
unless one of the parties in interest shall object in writing within five days
after occurrence of loss to the Owner's exercise of this power; if such
objection be made, arbitrators shall be chosen as provided in Paragraph 4.5. 
The Owner  shall, in that case, make settlement with insurers in accordance with
directions of such arbitrators.  If distribution of insurance proceeds by
arbitration is required, the arbitrators will direct such distribution.

11.3.8   Partial occupancy or use in accordance with Paragraph 9.9 shall not
commence until the insurance company or companies providing property insurance
have consented to such partial occupancy or use by endorsement or otherwise. 
The Owner and the Contractor shall take reasonable steps to obtain consent of
the insurance company or companies and shall, without mutual written consent,
take no action with respect to partial occupancy or use that would cause
cancellation, lapse or reduction of insurance.  

11.4     PERFORMANCE BOND AND PAYMENT BOND

11.4.1   The Owner shall have the right to require the Contractor to furnish
bonds covering faithful performance of the Contract and payment of obligations
arising thereunder as stipulated in bidding requirements or specifically
required in the Contract Documents on the date of execution of the Contract.

11.4.2   Upon the request of any person or entity appearing to be a potential
beneficiary of bonds covering payment of obligations arising under the Contract,
the Contractor shall promptly furnish a copy of the bonds or shall permit a copy
to be made.

                                   ARTICLE 12
                        UNCOVERING AND CORRECTION OF WORK

12.1     UNCOVERING OF WORK

12.1.1   If a portion of the Work is covered contrary to the Architect's
request or to requirements specifically expressed in the Contract Documents, it
must, if required in writing by the Architect, be uncovered for the Architect's
observation, and be replaced at the Contractor's expense without change in the
Contract Time.

12.1.2   If a portion of the Work has been covered which the Architect has not
specifically requested to observe prior to its being covered, the Architect may
request to see such Work and it shall be uncovered by the Contractor.  If such
Work is in accordance with the Contract Documents, costs of uncovering and
replacement shall, by appropriate Change Order be charged to the Owner.  If such
Work is not in accordance with the Contract Documents, the Contractor shall pay
such costs unless the condition was caused by the Owner or a separate contractor
in which event the Owner shall be responsible for payment of such costs.


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<PAGE>

12.2     CORRECTION OF WORK

12.2.1   The Contractor shall promptly correct Work rejected by the Architect
or failing to conform to the requirements of the Contract Documents, whether
observed before or after Substantial Completion and whether or not fabricated,
installed or completed.  The Contractor shall bear costs of correcting such
rejected Work, including additional testing and inspections and compensation for
the Architect's services and expenses made necessary thereby.

12.2.2   If, within one year after the date of Substantial Completion of the
Work or designated portion thereof, or after the date for commencement of
warranties established under Subparagraph 9.9.1, or by terms of an applicable
special warranty required by the Contract Documents, any of the Work is found to
be not in accordance with the requirements of the Contract Documents, the
Contractor shall correct it promptly after receipt of written notice from the
Owner to do so unless the Owner has previously given the Contractor a written
acceptance of such condition.  This period of one year shall be extended with
respect to portions of Work first performed after Substantial Completion by the
period of time between Substantial Completion and the actual performance of the
Work.  This obligation under this Subparagraph 12.2.2 shall survive acceptance
of the Work under the Contract and termination of the Contract.  The Owner shall
give such notice promptly after discovery of the condition.

12.2.3   The Contractor shall remove from the site portions of the Work which
are not in accordance with the requirements of the Contract Documents and are
neither corrected by the Contractor nor accepted by the Owner.

12.2.4   If the Contractor fails to correct nonconforming Work within a
reasonable time, the Owner may correct it in accordance with Paragraph 2.4.  If
the Contractor does not proceed with correction of such nonconforming Work
within a reasonable time fixed by written notice from the Architect, the Owner
may remove it and store the salvable materials or equipment at the Contractor's
expense.  If the Contractor does not pay costs of such removal and storage
within ten days after written notice, the Owner may upon ten additional days'
written notice sell such materials and equipment at auction or at private sale
and shall account for the proceeds thereof, after deducting costs and damages
that should have been borne by the Contractor, including compensation for the
Architect's services and expenses made necessary thereby.  If such proceeds of
sale do not cover costs which the Contractor should have borne, the Contract Sum
shall be reduced by the deficiency.  If payments then or thereafter due the
Contractor are not sufficient to cover such amount, the Contractor shall pay the
difference to the Owner.

12.2.5   The Contractor shall bear the cost of correcting destroyed or damaged
construction, whether completed or partially completed, of the Owner or separate
contractors caused by the Contractor's correction or removal of Work which is
not in accordance with the requirements of the Contract Documents.

12.2.6   Nothing contained in this Paragraph 12.2 shall be construed to
establish a period of limitation with respect to other obligations which the
Contractor might have under the Contract Documents.  Establishment of the time
period of one year as described in Subparagraph 12.2.2 relates only to the
specific obligation of the Contractor to correct the Work, and has no
relationship to the time within which the obligation to comply with the Contract
Documents may be sought to be enforced, nor the time within which proceedings
may be commenced to establish the Contractor's liability with respect to the
Contractor's obligations other than specifically to correct the Work.

12.3     ACCEPTANCE OF NONCONFORMING WORK


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<PAGE>

12.3.1  If the Owner prefers to accept Work which is not in accordance with the
requirements of the Contract Documents, the Owner may do so instead of requiring
its removal and correction, in which case, the Contract Sum will be reduced as 
appropriate and equitable.  Such adjustment shall be effected whether or not 
final payment has been made.

                                   ARTICLE 13
                           MISCELLANEOUS PROVISIONS

13.1     GOVERNING LAW

13.1.1   The Contract shall be governed by the law of the place where the
Project is located.

13.2     SUCCESSORS AND ASSIGNS

13.2.1   The Owner and Contractor respectively bind themselves, their partners,
successors, assigns and legal representatives to the other party hereto and to
partners, successors, assigns and legal representatives of such other party in
respect to covenants, agreements, and obligations contained in the Contract
Documents.  Neither party to the contract shall assign the Contract as a whole
without written consent of the other.  If either party attempts to make such an
assignment without such consent, that party shall nevertheless remain legally
responsible for all obligations under the Contract.

13.3     WRITTEN NOTICE

13.3.1   Written notice shall be deemed to have been duly served if delivered
in person to the individual or a member of the firm or entity or to an officer
of the corporation for which it was intended, or if delivered at or sent by
registered or certified mail to the last business address known to the party
giving notice.

13.4     RIGHTS AND REMEDIES

13.4.1   Duties and obligations imposed by the Contract Documents and rights
and remedies available thereunder shall be in addition to and not a limitation
of duties, obligations, rights, and remedies otherwise imposed or available by
law.

13.4.2   No action or failure to act by the Owner, Architect or Contractor
shall constitute a waiver of a right or duty afforded them under the Contract,
nor shall such action or failure to act constitute approval of or acquiescence
in a breach thereunder, except as may be specifically agreed in writing.

13.5     TESTS AND INSPECTIONS

13.5.1   Tests, inspections and approvals of portions of the Work required by
the Contract Documents or by laws, ordinances, rules, regulations or orders of
public authorities having jurisdiction shall be made at an appropriate time. 
Unless otherwise provided, the Contractor shall make arrangements for such
tests, inspections, and approvals with an independent testing laboratory or
entity acceptable to the Owner, or with the appropriate public authority, and
shall bear all related costs of tests, inspections, and approvals.  The
Contractor shall give the Architect timely notice of when and where tests and
inspections are to be made so the Architect may observe such procedures.  The
Owner shall bear costs of tests, inspections or approvals which do not become
requirements until after bids are received or negotiations concluded.


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<PAGE>

13.5.2   If the Architect, Owner or public authorities having jurisdiction
determine that portions of the Work require additional testing, inspection or
approval not included under Subparagraph 13.5.1, the Architect will, upon
written authorization from the Owner, instruct the Contractor to make
arrangements for such additional testing, inspection or approval by an entity
acceptable to the Owner, and the Contractor shall give timely notice to the
Architect of when and where tests and inspections are to be made so the
Architect may observe such procedures.  The Owner shall bear such costs except
as provided in Subparagraph 13.5.3.

13.5.3   If such procedures for testing, inspection, or approval under
Subparagraphs 13.5.1 and 13.5.2 reveal failure of the portions of the Work to
comply with requirements established by the Contract documents, the Contractor
shall bear all costs made necessary by such failure including those of repeated
procedures and compensation for the Architect's services and expenses.

13.5.4   Required certificates of testing, inspection or approval shall, unless
otherwise required by the Contract Documents, be secured by the Contractor and
promptly delivered to the Architect.

13.5.5   If the Architect is to observe tests, inspections or approvals
required by the Contract Documents, the Architect will do so promptly and, where
practicable, at the normal place of testing.

13.5.6   Tests or inspections conducted pursuant to the Contract Documents
shall be made promptly to avoid unreasonable delay in the Work.

13.6     INTEREST

13.6.1   Payments due and unpaid under the Contract Documents shall bear
interest from the date payment is due at such rate as the parties agree upon
writing or, in the absence thereof, at the legal rate prevailing from time to
time at the place where the Project is located.

                                   ARTICLE 14
                   TERMINATION OR SUSPENSION OF THE CONTRACT

14.1     TERMINATION BY THE CONTRACTOR

14.1.1   The Contractor may terminate the Contract if the Work is stopped for a
period of 30 days through no act or fault of the Contractor or a Subcontractor,
Sub-subcontractor or their agents or employees or any other persons performing
portions of the Work under contract with the Contractor, for any of the
following reasons:

         .1   issuance of an order of a court or other public authority having
              jurisdiction; 

         .2   an act of government, such as a declaration of national 
              emergency, making material unavailable;

         .3   because the Architect has not issued a Certificate for Payment 
              and has not notified the Contractor of the reason for 
              withholding certification as provided in Subparagraph 9.4.1, or 
              because the Owner has not made payment on a Certificate for 
              Payment within the time stated in the Contract Documents;


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<PAGE>

         .4   if repeated suspensions, delays or interruptions by the Owner 
              as described in Paragraph 14.3 constitute in the aggregate more 
              than 100 percent of the total number of days scheduled for 
              completion, or 60 days in any 365-day period, whichever is 
              less; or

         .5   the Owner has failed to furnish to the Contractor promptly, 
              upon the Contractor's request, reasonable evidence as required 
              by Subparagraph 2.2.1.

14.1.2   If one of the above reasons exists, the Contractor may, upon seven
additional days' written notice to the Owner and Architect, terminate the
Contract and recover from the Owner payment for Work executed and for proven
loss with respect to materials, equipment, tools, and construction equipment and
machinery, including reasonable overhead, profit and damages.

14.1.3   If the Work is stopped for a period of 60 days through no act or fault
of the Contractor or a Subcontractor or their agents or employees or any other
persons performing portions of the Work under contract with the Contractor
because the owner has persistently failed to fulfill the Owner's obligations
under the Contract Documents with respect to matters important to the progress
of the Work, the Contractor may, upon seven additional days' written notice to
the Owner and the Architect, terminate the Contract and recover from the Owner
as provided in Subparagraph 14.1.2.

14.2     TERMINATION BY THE OWNER FOR CAUSE

14.2.1   The Owner may terminate the Contract if the Contractor:

         .1   persistently or repeatedly refuses or fails to supply enough 
              properly skilled workers or proper materials;

         .2   fails to make payment to Subcontractors for materials or labor 
              in accordance with the respective agreements between the 
              Contractor and the Subcontractors;

         .3   persistently disregards laws, ordinances, or rules, regulations 
              or orders of a public authority having jurisdiction; or

         .4   otherwise is guilty of substantial breach of a provision of the 
              Contract Documents.

14.2.2   When any of the above reasons exist, the Owner, upon certification by
the Architect that sufficient cause exists to justify such action, may without
prejudice to any other rights or remedies of the Owner and after giving the
Contractor and the Contractor's surety, if any, seven days' written notice,
terminate employment of the Contractor and may, subject to any prior rights of
the surety:

         .1   take possession of the site and of all materials, equipment, 
              tools, and construction equipment and machinery thereon owned 
              by the Contractor;

         .2   accept assignment of subcontracts pursuant to Paragraph 5.4; and

         .3   finish the Work by whatever reasonable method the Owner may deem 
              expedient.

14.2.3   When the Owner terminates the Contract for one of the reasons stated
in Subparagraph 14.2.1, the Contractor shall not be entitled to receive further
payment until the Work is finished.



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<PAGE>

14.2.4   If the unpaid balance of the Contract Sum exceeds costs of finishing 
the Work, including compensation for the Architect's services and expenses 
made necessary thereby, such excess shall be paid to the Contractor.  If such 
costs exceed the unpaid balance, the Contractor shall pay the difference to 
the Owner. The amount to be paid to the Contractor or Owner, as the case may 
be, shall be certified by the Architect, upon application, and this 
obligation for payment shall survive termination of the Contract.

14.3     SUSPENSION BY THE OWNER FOR CONVENIENCE

14.3.1   The Owner may, without cause, order the Contractor in writing to
suspend, delay or interrupt the Work in whole or in part for such period of time
as the Owner may determine.

14.3.2   An adjustment shall be made for increases in the cost of performance
of the Contract, including profit on the increased cost of performance, caused
by suspension, delay or interruption.  No adjustment shall be made to the
extent:

         .1   that performance is, was or would have been so suspended, 
              delayed or interrupted by another cause for which the 
              Contractor is responsible; or

         .2   that an equitable adjustment is made or denied under another 
              provision of this Contract.

14.3.3   Adjustments made in the cost of performance may have a mutually agreed
fixed or percentage fee.





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