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under any such committed lines of credit shall be subject to the limitation on
borrowings set forth in subparagraph (b) of this paragraph 1, but the unused
amounts of credit under such lines shall not be deemed a borrowing subject to
such limitation;

(d)  Travelers cheques, official checks and money orders
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     in addition to and independent of the borrowing authorized in subparagraph
     (b) of this paragraph 1 and commercial paper issuance authorized in
     subparagraph (c) of this paragraph 1, to issue travelers cheques, official
     checks and money orders, offered to the public as instruments of funds
     transmission and not bearing interest, subject to compliance with all
     applicable laws and regulations of governmental agencies and, without
     limiting the generality of the foregoing authorization, to enter into
     agreements or arrangements with BA Cheque Corporation and any other
     entities providing for the offering, delivery and servicing of BAC's
     travelers cheques, official checks and money orders;

(e)  Extending credit
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     to extend credit to subsidiaries and, to the extent permitted to BAC under
applicable laws, to affiliates of BAC in amounts and on terms deemed desirable
by any Officer;

(f)  Powers of attorney
     ------------------

     to grant such powers of attorney, proxies, and other agency powers to such
persons and on such terms as are deemed desirable by any Officer for carrying on
the business and affairs of BAC, including, without limiting the generality of
the foregoing authorization, all contracts and documents of any sort relating
to:  applications to and negotiations with any and all governmental entities and
agencies in the United States and abroad for the purpose of obtaining the
necessary permits or approvals for operations of BAC anywhere in the world; the
commencement and prosecution or defense of proceedings on behalf of and against
BAC before courts, administrative tribunals, boards of arbitrators, and similar
entities, and the compromise or settlement of the same; the voting of voting
securities and other voting interests which may be held in corporations and
other entities by BAC; and applications for letters patent, trademarks,
copyrights, service marks, and similar matters on behalf of BAC;

(g)  Service agreements
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     to enter into service agreements, on terms deemed desirable by any Officer,
with its direct or indirect subsidiaries, including Bank of America NT&SA, any
other banks, persons, firms, corporations and other entities whereunder
personnel and facilities

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