AGREEMENT FOR IBM GLOBAL NETWORK ACCESS TO INTERNET SERVICES

This IBM Internet Connection Service ("Service") is being provided to
you by your IBM Global Network local Service provider ("We" or "Us").
Depending upon your location, the terms and conditions written below may
be supplemented or amended by the materials accompanying your OS/2
software package; this is the entire agreement ("Agreement").  Please
consult these materials before proceeding, and read all pages of this
Agreement.  You are authorized to access and use this Service when you
have completely filled in all the required registration information and
indicated your concurrence with terms of this Service as described in
the registration instructions.

YOUR ACTION IS REQUIRED TO CANCEL THE SERVICE, WHETHER
WITHIN THE FREE TRIAL ACCESS PERIOD, OR NOT.  CANCELS MAY
BE PROCESSED BY LOGON TO THE REGISTRATION SERVICE, BY WWW
PAGE, OR BY PHONING THE HELPDESK FOR YOUR COUNTRY.

This Agreement and your registration information are the complete
agreement between you and your IBM Global Network local Service provider
regarding this Service and replace any prior oral or other
communications between us.

1. Charges

   You will incur the charges when using this Service as specified in
   the Fee Schedule for IBM Global Network Access to Internet Services.
   We provide you the Fee Schedule upon your initial use during the
   Trial Access Period.  During the Trial Access Period there will be no
   charges (except for "800" Number Dial Access surcharges) for the IBM
   Global Network Access to Internet Services.  The Trial Access Period
   provides for 3 hours of dial connect time to the Service or 30 days
   whichever occurs first.

   We may, at our option, elect to accept your credit card for payment
   and acknowledgement that you wish to continue the Service after the
   Trial Access Period, in which case all charges that you incur for the
   use of the Service will be debited to the credit card number you
   provide to Us.  Should this credit card number expire or should We
   otherwise be unable to debit valid charges to this credit card
   number, We may immediately and without notice withdraw your access to
   the Service.

2. Description

   Overview

   Under this Agreement We provide you dial access to and use of the
   "Service" for the specific purpose of enabling you to access the
   Internet and services available on the Internet.

   Dial Access

   Dial access is via telephone number(s) which We provide to you.  When
   you use dial access you will incur a dial access charge.  This charge
   is computed using a 36 second minimum and 36 second minimum
   increments for each dial access.

   Access to Internet Service Description

   We provide only access to Internet.  Each Internet provider owns,
   maintains, and supports its service.  Availability of an Internet
   service is the responsibility of the Internet provider.  We do not
   own or control all of the various facilities and communication lines
   through which access may be provided.  Accordingly, We shall not be
   responsible for user/access security.  However, We will assist in
   network security breach detection and identification and in
   establishing limited access when requested.

   Certain Internet services may contain language or pictures which some
   individuals may find offensive, inflammatory, or of an adult nature.
   Such contents are the sole responsibility of the Internet service
   provider. We do not endorse such materials and disclaim any and all
   liability for their contents.

   With regard to Internet services, you are responsible for:

     A. determining what services are available via the Internet;
     B. determining if an Internet service meets your requirements;
     C. obtaining from any Internet service provider user IDs in order
        to access their service;
     D. contacting any Internet service provider directly if you have
        problems with their service;
     E. having invoiced directly to you and paying Internet provider
        charges if any, associated with your usage of their service;
     F. abiding by the National Science Foundation network (NSFnet)
        Acceptable Use Policy and the Internet Acceptable Use Policy
        when accessing the NFSnet portion of the Internet; and
     G. obtaining and adhering to all other terms associated with
        usage of Internet or a specific Internet service or an
        intermediate provider's service which we use for access
        to the Internet.

3. Electronic Communications

   Each of us may communicate with the other by electronic means as
   described in this Agreement and its registration information.  Each
   of us agrees to the following for all electronic communications:

   1.  a User Identification, contained in an electronic document, is
       legally sufficient to verify the sender's identity and the
       document's authenticity;
   2.  an electronic document that contains a User Identification, is a
       signed writing; and
   3.  an electronic document, or any computer printout of it, is an
       original when maintained in the normal course of business.

4. General Terms

   Each of us agrees that:

   1.  all information exchanged by both of us is nonconfidential.
       Section 9 of this Agreement describes our responsibilities for
       handling data and information you transmit over our network using
       the Service;
   2.  either party may terminate this Agreement, with or without cause,
       by giving notice to the other, in such case the Agreement will
       terminate at the end of the month;
   3.  any terms varying from this Agreement in any order, written or
       electronic communication from you are void;
   4.  neither of us grants the other any licenses under this Agreement;
   5.  neither party will bring a legal action more than two years after
       the cause of action arose;
   6.  if any provision of this Agreement is determined to be invalid,
       all other provisions shall remain in force;
   7.  all your rights and all our obligations are valid only in the
       country of your IBM Global Network local Service provider; and
   8.  the laws of the country in which your IBM Global Network local
       Service provider is located govern the Agreement.

5. Our Responsibilities

   We will:

   1.  provide you facilities for you to enter and maintain your
       registration information;
   2.  provide you a User Identification code to enable access to the
       Service;
   3.  send any electronic notice to you at the User Identification code
       We provide you;
   4.  provide you with a telephone number to enable you to connect to
       the Service;
   5.  provide you electronic or written notice if We change or
       terminate this Agreement, substantially alter the Service from
       its current description, increase Service charges, or change
       invoicing procedures. Such changes shall be effective
       immediately; and
   6.  provide access to the current Agreement and any succeeding
       Agreement, if applicable so that you may retrieve it or view it
       online.

6. Your Responsibilities

   You agree:

   1.  to keep current all registration information, using the
       facilities We provide, including your address and credit
       information;
   2.  that We may use your name, user identification and other
       identifying information in our service directory;
   3.  not to assign, or otherwise transfer, this Agreement or your
       rights under it, delegate your obligations, or resell the
       Service.  Any attempt to do so is void;
   4.  that you are responsible for the results obtained from the use of
       the Service;
   5.  to obtain, install, and maintain suitable equipment and software
       as necessary to access the Service;
   6.  to obtain all required permissions if you use the Service to
       receive, download, display, distribute, or execute programs or
       perform other works;
   7.  to comply with all applicable laws, regulations, or conventions
       including those related to data privacy, international
       communications, and exportation of technical or personal data;
   8.  to give all required notices under this Agreement by calling
       1-800-727-2222 anywhere in Canada and the U.S., see "Internet
       Access Support" for other countries;
   9.  to pay charges for all Service usage you incur by any means.
       Failure to promptly pay may result in withdrawal of your access
       to the Service; and
   10. to provide Us with the requested identification when requesting
       password reset or in connection with other security related
       matters.

7. Warranty, Limitation of Liability, and Disclaimer

   We warrant that the Service that We provide under this Agreement
   conforms to its current description in this Agreement.  If, at any
   time, you have any questions about or problems with the Service,
   please contact Customer Assistance.  See "Internet Access Support"
   for the phone number in your country.  If the Service is inoperable,
   We will attempt to fix the Service.  For any claims whatsoever that
   you may have in connection with this Agreement, your sole and
   exclusive remedy against Us is to cancel the Service and We will
   refund any prepaid amounts for the Service.

   In no event are We liable for:

   1.  special, indirect, or consequential damages even if We have been
       advised of the possibility thereof including, but not limited to,
       lost profits, lost business revenue, or failure to realize
       expected savings, or
   2.  any claims against you by any other party.

   This Section 7 applies to all claims by you irrespective of the cause
   of action underlying your claim including, but not limited to:

   1.  breach of contract, even if in the nature of a breach of
       condition or a fundamental term or a fundamental breach,
                   or
   2.  tort including, but not limited to negligence or
       misrepresentation.

   This paragraph does not apply to claims for personal injury or damage
   to real or tangible personal property caused by our negligence.

   Notwithstanding the foregoing, in no event are We liable for any
   damages arising from your failure to perform your responsibilities in
   connection with this Agreement, or arising from any cause beyond our
   control, including, but not limited to delay in the performance of
   our obligations or misuse of your Userids.

   EXCEPT AS SPECIFICALLY SET FORTH HEREIN, WE MAKE NO
   WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED, INCLUDING
   THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY,
   QUALITY AND FITNESS FOR A PARTICULAR PURPOSE RELATING
   TO OUR SERVICE OR THE SERVICE OF ANY OTHER SERVICE
   PROVIDER.  FURTHER WE DISCLAIM ANY LIABILITY OR
   RESPONSIBILITY ARISING FROM ANY CLAIM THAT YOUR ACCESS
   OR USE OF THE SERVICE OR ANY OTHER PROVIDER'S SERVICE
   OR PRODUCTS INFRINGES ANY THIRD PARTY'S INTELLECTUAL
   PROPERTY RIGHTS.

8. Your Additional Rights

   You may have additional rights under certain laws (such as consumer
   laws) which do not allow the exclusion of implied warranties, or the
   exclusion or limitation of certain damages.  If these laws apply, our
   exclusions or limitations may not apply to you.

9. Customer Transmitted Data

   We agree to respect the nature of your confidential information,
   including programs and data, transmitted electronically over our
   network while using the Service.  However, We have no obligation of
   confidentiality relating to your information, including programs and
   data, which is not confidential.  Information that is not
   confidential includes information which is:

   1.  either currently publicly available or becomes publicly available
       in the future;
   2.  rightfully received by either of us from a third party without
       any obligation of confidentiality;
   3.  already in our possession without an obligation of
       confidentiality;
   4.  independently developed by Us;
   5.  approved for disclosure by you; or
   6.  treated by you as nonconfidential.
   7.  in addition, any idea, concept, know-how, or technique which is
       developed or provided by either of us or jointly by both of us
       may (subject to applicable patents and copyrights) be freely used
       by either of us in any way we deem appropriate.

   We also have no liability for any disclosure of information that
   occurs as a result of our delivery of your information, at your
   direction and to a recipient you designate, when the delivery is made
   in the normal course of Service provision (for example, to an
   incorrect delivery address provided by you to Us).  We may disclose
   information to the extent required by law.

   HANDLING OF YOUR INFORMATION

   You are responsible for selection and use of the security facilities
   and options that We provide.

   You are responsible to develop and maintain procedures (apart from
   the Service) to protect your information.  You are responsible for
   backup and restoration of your information.

   For the purposes of operation and maintenance We may use, copy,
   display, store, and distribute internally your information.  We agree
   not to reverse assemble or reverse compile your information.  We do
   not guarantee that these procedures will prevent the loss of,
   alteration of, or improper access to, your information.  You agree
   that access to your information will not prohibit or prevent Us from
   developing or marketing any service or product.

   For transmission carried over interexchange carriers' and local
   exchange carriers' facilities, We are not responsible for
   transmission errors, or corruption or security of data.

10. Service Availability and Access

   This Service is generally available daily, seven days a week, except
   for maintenance.  Service maintenance generally takes place from 3
   a.m. until 5 a.m. Eastern time in the U.S. on Sunday.  In addition,
   the registration facilities are generally not available from 9 p.m.
   Saturday until 5 a.m. Eastern time in the U.S. on Sunday.  However,
   We may at anytime without notice or liability restrict the use of the
   Service or limit its time of availability in order to perform
   maintenance activities.

   We also reserve the right to immediately withdraw the Service from
   you if, in our opinion, your use of the Service is disruptive, causes
   a malfunction of the Service, violates the terms of this Agreement or
   if we receive information that the Service or your use of the Service
   (or any part thereof) may violate any copyrights or other
   intellectual property rights of ours or of any third party.


   If you connect to the Service automatically, without manually
   entering your User Identification code, you must understand that
   anyone who has access to your computer can also gain access to the
   Service and could abuse your personal registration information.

11. Country Unique Terms

   The following terms are country amendments to the 'Agreement for IBM
   Global Network Access to Internet Services'.  All terms not
   specifically modified or deleted by these amendments remain in
   effect.

11.1 United States Unique Terms

   These amendments apply for any use of the Service in the United
   States.

    Nonrecourse

   Notwithstanding anything to the contrary in this Agreement, you agree
   that recourse by you for satisfaction of claims of any nature against
   Advantis or any partner in Advantis arising in connection with the
   performance of this Agreement shall be limited solely to the property
   of Advantis and not to the nonpartnership property of any of the
   partners in Advantis or the partners' direct and indirect beneficial
   owners.

    Governing Law

   For all United States customers, the laws of the State of New York
   govern this Agreement.

11.2 Canadian Unique Terms:

   These amendments apply for any use of the Service in Canada.

     Governing Law

   For all Canadian customers, the laws of the Province of Ontario
   govern this Agreement.

11.3 Australian Unique Terms:

   These amendments apply for any use of the Service in Australia.

     Your Responsibilities - Notification

   You agree to give all required notices under this Agreement by
   writing to: The Manager; IBM Information Network; IBM Australia
   Limited; GPO Box 3318; Sydney, 2001.

     Service Availability and Access

   As noted in Section 10 there is a weekly maintenance period in which
   the Service will be unavailable (5 p.m. until 7 p.m. Sunday, Sydney
   time). Further, the Australian  component of the IBM Global Network
   is generally unavailable between 1 a.m. and 5 a.m. Wednesday, Sydney
   time for local maintenance and thus the Service may be unavailable
   during these times.

11.4 New Zealand Unique Terms:

   These amendments apply for any use of the Service in New Zealand.

   The Consumer Guarantees Act 1993 will not apply in respect of any
   goods or services which we provide, if you require them for the
   purposes of a business as defined in that Act.

11.5 Germany Unique Terms:

   These amendments apply for any use of the Service in Germany.

     Your Additional Rights

   Instead of Section `Your Additional Rights` the following applies:
   IBM is liable without limitation for damages caused by its willful
   conduct or gross negligence or by the absence of warranted
   characteristics.

11.6 Finland Unique Terms:

   These amendments apply for any use of the Service in Finland.

     Governing Law

   For all customers in Finland, the laws of Finland govern this
   Agreement.

11.7 Japan Unique Provisions:

   In addition to the aforementioned terms of this Agreement, in the
   event that you execute this Agreement with IBM Japan Ltd. in Japan,
   the following provisions shall apply:

     Governing Law and Forum

   All disputes with respect to this Agreement shall be determined by
   Tokyo District Court, Japan.

     Service Availability and Access

   As noted in Section 10 there is a weekly maintenance period in
   which the Service will be unavailable ( 5 p.m. until 7 p.m. Sunday,
   Japan time. advance 1 hour on the summer time) Further, the Japan
   component of the IBM Global Network is generally unavailable between
   10 p.m. Sunday and 6 a.m. Monday, Japan time for local maintenance
   and thus the Service may be unavailable during these times.

   "800" Number Dial Access Surcharge

   Japan does not apply the above-mentioned charge. This is for the
   carrier access in Japan.

11.8 Italy Unique Provisions:

   CONTRACTUAL TEXT SHOWN ONLY FOR ACKNOWLEDGEMENT.  SERVICE DELIVERY IN
   ITALY IS ONLY PROVIDED AFTER THE RECEIPT OF THE CONTRACT SIGNED TWICE
   (AS REQUESTED BY ITALIAN LAW).
   UNTIL THEN, YOUR USERID IS STILL REGISTERED BUT CANNOT BE USED.
   PLEASE SEND THE SIGNED CONTRACT TO THE ITALIAN SERVICE PROVIDER:  INTESA
   SPA, AMM. VENDITE, VIA SERVAIS 125, 10146 TORINO Tel.  (011) 70901
