Norwest Corporation and Subsidiaries - Page 14

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               F.  Contractors and Work Performed                                     
               On August 4, 1987, Norwest Nebraska hired Hawkins Construction         
          Co. (Hawkins), as general contractor, to perform the remodeling             
          work at the Douglas Street building.  On November 30, 1987, Norwest         
          Nebraska hired Waste Environmental Technology (WET) to remove the           
          asbestos-containing materials from the building.  Norwest Nebraska          
          also hired ATC Environmental, Inc., to perform on-site air                  
          monitoring during all asbestos-abatement activities at the                  
          building.                                                                   
               WET declared bankruptcy in 1988 and could not complete the             
          project.  On December 5, 1988, Norwest Nebraska hired Michael T.            
          Robinson Associates, Inc. (Robinson), to replace WET and complete           
          removal of the asbestos-containing materials from the Douglas               
          Street building.  At that time, Norwest Nebraska also replaced ATC          
          Environmental, Inc., with Chart Services, Ltd.                              
               The asbestos removal and remodeling were basically performed           
          in 13 phases; each phase involved a defined area of the Douglas             
          Street building.  For each phase, the asbestos-removal contractor           
          removed the asbestos-containing materials before the general                
          contractor began remodeling.  After setting up a containment area,          
          the asbestos removal contractor physically removed the walls,               
          floors, ceilings, and light fixtures, where necessary, to reach and         
          remove the asbestos-containing materials. Once all the asbestos-            
          containing materials had been removed from an area, the air was             
          tested for airborne-fiber concentration before the containment              




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