Exhibit A-2 FORM OF COMMERCIAL PAPER NOTE

                                                               Exhibit A-2







                          FORM OF COMMERCIAL PAPER NOTE

                                (Name of Company)

$_________________________                           No.________________

On _______________________ for value received we promise to pay to the order of

bearer the sum of ____________________________ DOLLARS payable at the principal

office of ________________________ New York, N.Y.


Date Issued_________________________

Countersigned                                            (Name of Company)

as agent

By____________________                                   By___________________
               (Title)                                                 (Title)


                                                           --------------------
                                                                       (Title)