Norwest Corporation and Subsidiaries, Successor in Interest to United Banks of Colorado, Inc., and Subsidiaries, et al. - Page 24

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          and is connected to 1UBC by the Skyway.  There are pedestrian               
          entrances to the Atrium in 2UBC, 3UBC, and the Skyway, and on               
          Broadway, Lincoln Street, and 17th Avenue.                                  
               The Atrium shares its mechanical systems with 2UBC; those              
          systems are located below ground within 2UBC.  The basement area            
          of the Atrium is used for storage and houses a backup power                 
          generator.  The Atrium contains space for one restaurant and                
          retail space for one tenant.                                                
               Beginning about 1988, UBD owned and operated The Atrium                
          Cafe, which seated approximately 135 people, and UBD paid a fee             
          to a contractor to manage the restaurant's operations.  Beginning           
          in 1994, UBD discontinued operating The Atrium Cafe and leased              
          the space for the operation of another restaurant.  UBD also                
          leased space for the operation of “expresso carts”.                         
               Beginning on October 12, 1987, for a 10-year term, the                 
          retail space in the Atrium had been leased for the operation of a           
          Russell's convenience store (the Russell's lease).                          
               From the time of the Atrium's opening in 1986, the only                
          operating revenues generated by the Atrium have been derived from           
          the Russell's lease and from the operations of The Atrium Cafe              
          and other food operations.  Those operating revenues have been              
          less than overhead expenses (maintenance, utilities, taxes,                 
          etc.), resulting in net operating losses during the period 1989             
          through 1995, as follows:                                                   






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