TERMS AND CONDITIONS

CompuServeCD(TM) is part of the CompuServe Information Service (the "Service")
and as such a current Member's use of this CD-ROM and its contents is subject
to the terms and conditions of the Service Agreement Terms to which Members
have agreed.

 If you are not currently a Member, by opening this package you accept all
 terms and conditions of the followingagreement. Using any CompuServeCD(TM)
 indicates your acceptance of these terms and conditions:

 1. The CompuServe Information Service (the "Service") consists of computing
    and information services and software, information and other content
    provided by CompuServe Incorporated ("CompuServe"). In addition, third
    parties provide information, software, and other content (collectively,
    "Third Party Content") which may be accessed over the Service. These terms
    and any Operating Rules published over the Service constitute the entire
    and only agreement (collectively, the "Agreement") between CompuServe and
    member (including its designated users) with respect to the Service and
    supersede all other communications and agreements with regard to the
    subject matter hereof.

 2. Upon notice published over the Service, CompuServe may modify this
    agreement, the Operating Rules or prices, and may discontinue or revise
    any or all other aspects of the Service at its sole discretion and without
    prior notice.

 3. Unless otherwise agreed, member's right to use the Service or to designate
    users is not transferable and is subject to any limits established by
    CompuServe, or by member's credit card company if billing is through a
    credit card.

 4. Member agrees to indemnify CompuServe against liability for any and all
    use of member's account.

 5. Member is responsible for and must provide all telephone and other
    equipment and services necessary to access the Service.