Can't vouch for your 95 but on our 93 pop the cap out of the center of the handle. There in all it's glory is a small bolt - undo that and the handle slides off.
The 95 has a clip behind the cranks, If you push the panel in just bit, you will be able to see it. A tool like this is nice to have but it can be removed with a screw driver too. Be ready to catch the clip http://www.latemodelrestoration.com/item/CTP-TX137
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