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Section 38. Interest of Third Parties. The Loan Agreement is not for the
benefit of third parties, including the holders from time to time of any of the
Bonds, and the Government shall be under no obligation to any such parties,
whether or not indirectly interested in said Agreement, to pay any charges
or expenses incident to compliance by the Borrower with any of its duties or
obligations thereunder.

Section 39. Interest of Members of or Delegates to Congress. No member of
or delegate to the Congress of the United States shall be admitted to any share
or part of this Agreement or to any benefit arising therefrom.

Section 40. Bonus or Commission. By execution of the Loan Agreement the
Borrower represents that it has not paid and, also, agrees not to pay, any
bonus, commission, or fee for the purpose of obtaining an approval of its
application for the loan hereunder.

TERMS AND CONDITIONS SUPPLEMENT ONE

The Terms and Conditions, Form CFA-520 (4-63) are hereby modified as
follows:

Section 12 is hereby revised to read as follows:

Section 12. Construction Account.

The Borrower shall set up in a bank or banks which are members
of the Federal Deposit Insurance Corporation, or with the fiscal agency of
the Borrower fixed by law, a separate account or accounts (herein
collectively called the "Construction Account") into which shall be deposited
and temporary loans, Government advances, and proceeds from the sale of
the Bonds (except accrued interest payments), and the additional funds, if
any, required by the provisions of the Loan Agreement to be furnished by
the Borrower in order to assure the payment of all Project Costs. Moneys
in the Construction Account shall be expended only for such purposes as
shall have been previously specified in the project cost estimates approved
by the Government.

Where the moneys on deposit in the Construction Account exceed the
estimated disbursements on account of the Project for the next 90 days, the
Borrower may deposit such excess funds in time deposits in banks that are
members of the Federal Deposit Insurance Corporation or may invest such
excess funds in direct obligations of, or obligations the principal of and
interest on which are guaranteed by, the United States Government, which
shall mature not later than 18 months after the date of such investment and
which shall be subject to redemption at any time by the holder thereof. The
earnings from any such deposits or investments shall be deposited in the
Construction Account by the Borrower.

Any moneys remaining in the Construction Account after all costs of
the Project have been paid shall be promtly used to the extent possible for
the redemption of Bonds, and any residue shall be deposited in the Bond
and Interest Sinking Fund provided for in the Loan Agreement, Provided,
however, the Borrower shall have the right to withdraw any such moneys
representing additional funds deposited into the Construction Account
pursuant to Section 13 hereto, to finance the total project cost, which are
found to be unnecessary for such purpose.

Section 20 is hereby revised to read as follows:

Section 20. Insurance During Construction.

The Borrower shall require that each of its contractors and all sub-
contractors shall maintain during the life of his contract Workmen's
Compensation Insurance, Public Liability, Property Damage, and Vehicle
Liability Insurance, in amounts and on terms satisfactory by the Govern-
ment. Until the project is completed and accepted by the Borrower, the
Borrower is required to maintain Builders Risk Insurance (fire and
extended coverage) on a 100 percent basis (completed value form) on the
insurable portion of the project for the benefit of the Borrower, the prime
contractor, and all subcontractors, as their interests may appear.