SUMMARY OF COMPUTER SERVICES OUTSOURCING AGREEMENT

SUMMARY OF COMPUTER SERVICES OUTSOURCING AGREEMENT                    EXHIBIT 4.5

     Pursuant to an agreement dated December 23, 2003 between us and NESS A.T.

Ltd. ("NESS"), NESS has undertaken to provide us with IT Outsourcing services,

including ongoing management and operation of our Information Systems,

maintenance and operation of hardware, computers, peripheral equipment,

communications and software infrastructure (i.e. Databases, Operations Systems,

etc.), application operation and maintenance, modification and adaptation of our

applica