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<HEAD><TITLE>Terms and conditions for use of IFS</TITLE></HEAD>
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<BODY BACKGROUND="PICS/tile-blue.gif">
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<CENTER><H1>
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ICOT$B%U%j!<%=%U%H%&%'%"$NMxMQ>r7o(B
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</H1>
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</CENTER>
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<HR width=95% align="center" size=7><P>
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<DL>
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<DD>
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<H2>
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<P><BR>
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<HR width=95% align="center" size=7><P>
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<H2>
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</H2><P>
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<H2>
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<P>
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</DL>
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</BODY>
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</HTML>
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