GENERAL ACCOUNT AGREEMENT



To:      Kemper Securities, Inc.

         in account with Kemper Clearing Corp.



Gentlemen:



In consideration of your accepting one or more accounts of the undersigned, it

is agreed as follows:



         1. All transactions under this Agreement shall be subject to the

constitution, rules, regulations, customs, usages, rulings and interpretations

of the exchange or market and its clearing house, if any, where executed, and to

all governmental acts and statutes and to rules and regulations made thereunder

insofar as applicable. Whenever any act or statute shall be enacted, or any

regulation shall be made under any act or statute or any rule or regulation

shall be made by any exchange or market of which you are a member, which shall

be applicable to and affect in any manner or be inconsistent with any of the

provisions hereof, the provisions of this Agreement so affected shall be deemed

modified or superseded, as the case may be, by such act, statute, rule or

regulation and all other provisions of this Agreement and the provisions as so

modified shall in all respects continue and be in full force and effect.



         2. All orders for the purchase or sale of any property are given by the

undersigned and executed with the express understanding that an actual purchase

or sale is intended and that it is the undersigned's intention and obligation in

every case to deliver certificates or commodities to cover any and all of the

undersigned's sales and in the case of purchases to receive and pay for

certificates or commodities and that the undersigned will do so in compliance

with all applicable regulations.



         3. Except as herein otherwise expressly provided, no provision of this

Agreement may be waived, altered, modified, or amended unless such waiver,

alteration, modification or amendment is in writing and signed by a duly

authorized officer of your corporation.



         4. All monies, securities, commodities or other property which you may

at any time be carrying for the undersigned or which may at any time be in your

possession for any purpose, including safekeeping, shall be held by you as

security for the payment of any liability of the undersigned to you,

irrespective of whether or not you have made advances in connection with such

securities, commodities or other property, and irrespective of the number of

accounts the undersigned may have with you.



         5. All securities and commodities or any other property, now or

hereafter held by you, or carried by you for the undersigned (either

individually or jointly with others) or deposited to secure the same, may be

held in your name or that of any nominee, and may from time to time and without

notice to the undersigned, be carried in your general loans and may be pledged,

re- pledged, hypothecated, or re-hypothecated, or loaned by you to either

yourselves as brokers or to others, separately or in common with other

securities and commodities or any other property, for the sum due to you from

the undersigned or for a greater sum and without retaining in your possession

and control for delivery a like amount of similar securities, commodities, or

other property.

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