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 CERTIFICATE

     I, CHERYL SOROKIN, the Secretary of BankAmerica Corporation, a Delaware
corporation, having its principal place of business in the City and County of
San Francisco in the State of California, certify that the foregoing is a
correct copy of a resolution adopted by the Board of Directors at a meeting held
in accordance with the bylaws on November 1, 1993.  This resolution is still in
effect.


                                                  /s/ CHERYL SONOKIN
                                          --------------------------------------
                                                       Secretary
                                               BANKAMERICA CORPORATION


Dated:   January 19, 1994
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