(19)

(11)

EP 0 820 327 A1

(12)

(43) Date of publication: 28.01.1998 Bulletin 1998/05 (21) Application number: 96908401.0 (22) Date of filing: 25.03.1996

(51) International Patent Classification (IPC):  A62C 99/ 00( . ) (86) International application number: PCT/NO1996/000066 (87) International publication number: WO 1996/029117 (26.09.1996 Gazette 1996/43)

(84) Designated Contracting States: BE DE DK FI GB IE NL SE (30) Priority: 23.03.1995 NO 19950001105 (71) Applicant: Fokus Bank ASA 4001 Stavanger (NO)	(72) Inventors: VRETVEIT, S ren N-4300 Sandnes (NO) BRAUT, Ottar N-4300 Sandnes (NO) (74) Representative: Lucas, Brian Ronald, et al  Lucas & Co. 135 Westhall Road Warlingham Surrey CR6 9HJ Warlingham Surrey CR6 9HJ (GB)