EXHIBIT 3
Comptroller of the Currency
Administrator of National Banks

Washington, D.C.  20219

                         Certificate of Fiduciary Powers

I, John D. Hawke, Jr., Comptroller of the Currency, do hereby certify that:

1.    The Comptroller of the Currency, pursuant to Revised Statutes 324, et
seq., as amended, 12 U.S.C. 1, et seq., as amended, has possession, custody and
control of all records pertaining to the chartering of all National Banking
Associations.

2.    "Bankers Trust Company of California, National Association," Los Angeles,
California, (Charter No. 18608), was granted, under the hand and seal of the
Comptroller, the right to act in all fiduciary capacities authorized under the
provisions of the Act of Congress approved September 28, 1962, 76 Stat. 668, 12
U.S.C. 92a, and that the authority so granted remains in full force and effect
on the date of this Certificate.



            IN TESTIMONY WHEREOF, I have hereunto subscribed my
            name and caused my seal of office to be affixed to
            these presents at the Treasury Department in the City
            of Washington and District of Columbia, this Monday,
            January 28, 2002.

                                          /s/ John D. Hawke, Jr.
                                          Comptroller of the Currency